1. 2017-2018 Medical Plan Recommendations

2. Medical Plan Review
Continue to align benefits and premiums to meet or exceed those of TRS-Care and remain competitive
Zero premium increase for the Basic and High Deductible Plans
Premium increase of $30-$50/month and deductible increase from $300 to $750 for the Core Plan only.

3. Statistics
Core Plan expenditures were 89% greater than revenue generated by premiums
Basic and High Deductible Plan performed below the revenue generated by premiums
Spouse claims increased 50.9% and dependent claims increased 58.2% in Both continue to increase in current year.
For the plan year, there are 3 participants with claims over $150,000

4. Recommendations
Zero premium increases for Basic and High Deductible Plans
Increase the Core premiums by 15%
Increase the HDP Plan deductibles:
Individual deductible from $2,200 to $2,500
Family deductible to $4,400 to $5,000
Increase out-of-pocket maximums for all plans:
Network providers from $6,250 to $7,000
Out-of-network providers from $12,500 to $14,000

5. Recommendations
Implement a $100/month spousal surcharge for spouses who have coverage through their employer but elect to enroll in the district’s insurance
Add a telemedicine option for medical plan participants
Continue to provide the PHA participation incentive, reducing the premium cost $25 per month for an employee and $50 per month for employee/spouse or employee/family

6. 2017-2018 Recommendations Increase the Dental High Plan premiums by 9%
Decrease the Dental Low Plan premiums by 10%
Basic Life Insurance paid by the District will increase by $24,500 annually

7. Proposed Premiums
Zero increase to premiums for the Basic Plan and High Deductible Plan

8. 2017-2018 Proposed Premiums Core Plan with PHA 2016-2017 Premium
Premium with $325 District Contribution and PHA Incentive
Proposed Premium
Proposed Monthly Premium with $325 District Contribution and PHA Incentive
Monthly Increase
Employee $ $ $ $
$108.00
Employee + Spouse
$ ,519.00
$ ,144.00
$ ,747.00
$ ,372.00
$228.00
Employee + Child(ren)
$ ,265.00 $
$ ,455.00
$ ,105.00
$190.00
Employee + Family
$ ,803.00
$ ,428.00
$ ,073.00
$ ,698.00
$270.00
Core Plan without PHA
Premium with $325 District Contribution and PHA Incentive
Proposed Premium with $325 District Contribution and PHA Incentive $ $
$ ,194.00
$ ,422.00 $
$ ,130.00
$ ,478.00
$ ,748.00

9. Surrounding District Contributions
District
Plan Year
Contribution
Active-Care
Lewisville ISD – ActiveCare 3
$356.00
Yes
Lewisville ISD – ActiveCare 2
$348.00
Northwest ISD
$325.00 No
Garland ISD
Irving ISD
Carroll ISD
$290.00
Grapevine-Colleyville ISD
$285.00
Keller ISD
$275.00
Lewisville ISD – ActiveCare 1
$266.00
Carrollton-Farmers Branch
$262.00
Birdville
$260.00
Denton
Plano
$259.00
Lewisville ISD – ActiveCare 1HD
$245.00
Eagle Mountain Saginaw
$225.00
HEB ISD

10. What’s on the horizon with TRS-Active Care?
Legislature considering all school districts with 1,000 or more employees will be required to exit TRS-Active Care
Joint committee recommendation to only offer the High Deductible Plan
Surrounding districts on Active Care waiting to determine district contributions and if they will need to seek out medical providers