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HomeMy WebLinkAbout2010-2011 Employee BenefitsSubject: Employee Group Health, Dental, Vision, Life Long Term Disability and Employee Assistance Program Contracts Approve. for Submittal by: City Manager A I i Agenda No. 0 0 Department Origin: Administrative Finance Director City Attorney: Administrative Services Services L .O `NT City Clerk: Date Submitted: June 15, 2010 For Agenda of: June 23, 2010 A New f er, City Manager Exhibits: RFP Analysis of Proposed Recommendations Request for Proposal Analysis by Gehring Group EXPENDITURE REQUIRED: N/A AMOUNT BUDGETED: Included in 2010 -2011 Proposed Annual Budget APPROPRIATION REQUIRED: N/A The recommendations are as follows: CTY Of HOME OF PELICAN ISLAND CITY OF SEBASTIAN AGENDA TRANSMITTAL SUMMARY The current employee group insurance coverage's are effective until September 30, 2010. In an effort to take advantage of the favorable loss ratio we have been experiencing since October 2008, we decided it would be a good time to go to the market and request proposals for our group insurance services. In accordance with purchasing procedures, a notice of invitation Request for Proposal (RFP) was distributed to the insurance firms that specialize in providing these services in April 2010. The Gehring Group, our insurance broker of record, handled the process and attached are the results. The proposals were reviewed with staff and the Gehring Group, and our recommendations are based upon the best coverage, with the lease disruption rate, while still yielding significant savings to the City's share in the amount of $56,141 for next fiscal year 2011. Additionally, Blue Cross /Blue Shield and Humana have agreed to a 14 month agreement, thereby yielding the City a $9,357 savings for August and September of the current fiscal year 2010. Health Insurance Alternate #3, Blue Options 5760, annual City share savings $48,370, with a contract term of 14 months. Current coverage is with Blue Options 1749. Dental Insurance Renew with Florida Combined Life, annual City share savings $6,523, with a rate guarantee for 26 months. Vision Insurance Renew with Humana, premium remains the same with a contract term of 14 months. Life and Long Term Disability Renew with Florida Combined Life, annual City savings $1,248, with a contract term of 14 months. Employee Assistance Program Renew with MH Net, premiums remain the same with a contract term of 14 months. Page 2 Agenda Transmittal Group Health Insurance The reasoning behind the recommendation to renew with Florida Combined Life on several of the coverage's, even though they were not the low bidder are as follows: 1. Florida Combined Life is a subsidiary of Blue Cross Blue Shield, keeping administration duties to a minimum. 2. By renewing with BCBS and renewing all the ancillary benefits with Florida Combined Life we were given an additional 2% reduction on our total health insurance premium. Our experiences with Blue Cross/Blue Shield, Florida Combined Life and Humana continue to be positive, and there are many physicians already participating in their plans within the area. The Gehring Group will be presenting this item and along with City staff is available to answer any questions. RECOMMENDED ACTION Move to award the Employee Group Health and Life Insurance to Blue Cross/Blue Shield of Florida, the Group Dental and LTD Insurance to Florida Combined Life, the Group Vision Insurance to Humana and the Group Employee Assistance Program (EAP) to MHNet for Fourteen (14) Months beginning August 1, 2010. 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HOME OF PILE ISLAND Employee Benefits Evaluation of Rates Benefits Health Insurance Dental Insurance Vision Insurance Life Long Term Disability Insurance Employee Assistance Program Analysis by: GEIIIIN I LT 11505 Fairchild Gardens Avenue, Suite 202 Palm Beach Gardens, Florida 33410 (561) 626-6797 (800) 244-3696 (561) 626 -6970 Fax www.gehringgroup.com 23 City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 Current Renewal BlueCross BlueShield Schedule of Benefits Lifetime Maximum Deductible Single Family Out of Pocket Maximum Single Family Coinsurance Office Visits Physician Office Visit Specialist Visit Pre -Natal Physical Exam Benefit Physician Services at Hospital. Mental Health Inpatient Outpatient Prescription Drugs Generic Brand Name Non Preferred Brand Tier 4 Mail Order (90 day supply) Rates: PPO EE Only 69 19 16 14 EE Spouse EE Child(ren) EE Family Monthly Premium Annual Premium Increase Increase BlueOptions PPO 1749 i Out of Network $5 Million None I $500 None i $1,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 $8,000 0% 40% $15 40% after CYD $25 40% after CYD $25 40% after CYD $15/$25 Not Covered Independent Clinical Lab No Charge 40% after CYD Advanced Imaging $75 40% after CYD Physical Therapy $25 40% after CYD $2,500 CY Max $2,500 CY Max Chiropractic $25 40% after CYD $2,500 CY Max $2,500 CY Max Urgent Care Center $25 40% after CYD Hospital Option 1/ Option 2 Inpatient $300/ $600 $900 Outpatient $100/ $200 $300 Emergency Room Visit $100 $200 No Charge 40% after CYD Option 1/ Option 2 $300/ $600 $900 30 day Max 30 day Max $25 40% after CYD 20 day Max 20 day Max $15 $30 $50 N/A 2x Retail Copay PPO $527.91 $1,092.75 $992.44 $1,676.10 $96,532.48 $1,158,389.76 N/A N/A Not Covered BlueCross BlueShield BlueOptions 1749 Out of Network $5 Million None $500 None $1,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 i $8,000 10% 40% $15 40% after CYD $25 40% after CYD $25 40% after CYD $15 or $25 40% after CYD ($250 Max) ($250 Max) No Charge 40% after CYD $75 40% after CYD $15/$25 40% after CYD $2,500 CY Max $2,500 CY Max $25 40% after CYD $25 40% after CYD Option 1/ Option 2 $300/ $600 $900 $100/ $200 $300 $100 $200 No Charge No Charge Option 1/ Option 2 $300/ $600 $900 $25 40% after CYD $10 50% after CYD $30 50% after CYD $50 i 50% after CYD N/A N/A 2.5x Retail Copay 1 N/A PPO $527.91 $1,092.75 $992.44 $1,676.10 $96,532.48 $1,158,389.76 $0.00 0.0% High level benefit summary. Please refer to schedule of benefits for full listing. Rates may be subject to final underwriting. GEIIRING GROUP 050410 City of Sebastian RFP Evaluation (CB).xls City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 Current High level benefit summary. Please refer to schedule of benefits for full listing. Rates may be subject GEARING AGROUP Alternate #1 BlueCross BlueShield Schedule of Benefits BlueOptions PPO 1749 Out of Network Lifetime Maximum $5 Million Deductible Single None $500 Family None i $1,500 Out of Pocket Maximum Includes DED, Coins, and Copays Excl Rx Single $2,000 $4,000 Family $4,000 i $8,000 Coinsurance 0% 40% Office Visits Physician Office Visit $15 40% after CYD Specialist Visit $25 40% after CYD Pre -Natal $25 40% after CYD Physical Exam Benefit $15/$25 Not Covered Independent Clinical Lab No Charge 40% after CYD Advanced Imaging $75 40% after CYD $25 40% after CYD Physical Therapy $2,500 CY Max $2,500 CY Max Chiropractic $25 40% after CYD $2,500 CY Max $2,500 CY Max Urgent Care Center $25 40% after CYD Hospital Option 1/ Option 2 Inpatient $300/ $600 $900 Outpatient $100/ $200 $300 Emergency Room Visit $100 $200 Physician Services at Hospital Mental Health Inpatient Outpatient No Charge 40% after CYD Option 1/ Option 2 $300/ $600 $900 30 day Max 30 day Max $25 40% after CYD 20 day Max 20 day Max Prescription Drugs Generic $15 Brand Name $30 Non Preferred Brand $50 Tier 4 N/A Mail Order (90 day supply) 2x Retail Copay 1 Rates: PPO PPO EE Only 69 $527.91 EE Spouse 19 $1,092.75 EE Child(ren) 16 $992.44 EE Family 14 $1,676.10 Monthly Premium $96,532.48 Annual Premium $1,158,389.76 Increase N/A Increase N/A Not Covered BlueCross BlueShield BlueOptions 5750 Out of Network $5 Million $1,000 $3,000 $3,000 i $6,000 Includes DED, Coins, and Copays Excl Rx $2,500 $5,000 $5,000 $10,000 0% 50% $25 50% after CYD $45 50% after CYD $45 50% after CYD $25 or $45 50% after CYD ($150 Max) No Charge 50% after CYD $200 50% after CYD $45 50% after CYD $2,500 CY Max $2,500 CY Max $45 50% after CYD $2,500 CY Max $2,500 CY Max $50 50% after CYD Option 1/ Option 2 CYD /CYD 50% after CYD $250/ $350 50% after CYD $200 50% after CYD $100 Option 1/ Option 2 CYD /CYD $100 50% after CYD $45 50% after CYD $10 50% after CYD $30 50% after CYD $50 i 50% after CYD N/A N/A 2.5x Retail Copay 1 N/A PPO $496.51 $1,027.78 $933.44 $1,576.42 $90,791.93 $1,089,503.16 $68,886.60 -5.9% 050410 City of Sebastian RFP Evalua City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 Current High level benefit summary. Please refer to schedule of benefits for full listing. Rates may be subject GEHRING AGROUP Alternate #2 BlueCross BlueShield Schedule of Benefits Lifetime Maximum Deductible Single Family Out of Pocket Maximum Single Family Coinsurance Office Visits Physician Office Visit Specialist Visit Pre -Natal Physical Exam Benefit Independent Clinical Lab Advanced Imaging Physical Therapy Chiropractic Urgent Care Center Hospital Inpatient Outpatient Emergency Room Visit Physician Services at Hospital Mental Health Inpatient Outpatient Prescription Drugs Generic Brand Name Non Preferred Brand Tier 4 Mail Order (90 day supply) Rates: EE Only EE Spouse EE Child(ren) EE Family Monthly Premium Annual Premium Increase Increase PPO 69 19 16 14 BlueOptions PPO 1749 Out of Network $5 Million None $500 None $1,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 i $8,000 0% 40% $15 $25 $25 $15/$25 No Charge $75 $25 $2,500 CY Max $25 $2,500 CY Max $25 Option 1/ Option 2 $300/ $600 $100/ $200 $100 No Charge Option 1/ Option 2 $300/ $600 30 day Max $25 20 day Max $15 $30 $50 N/A 2x Retail Copay PPO $527.91 $1,092.75 $992.44 51,676.10 596,532.48 $1,158,389.76 N/A N/A 40% after CYD 40% after CYD 40% after CYD Not Covered 40% after CYD 40% after CYD 40% after CYD $2,500 CY Max 40% after CYD $2,500 CY Max 40% after CYD $900 $300 $200 40% after CYD $900 30 day Max 40% after CYD 20 day Max Not Covered CIGNA OAP Plan E Out of Network $5 Million $500 $1,000 51,000 i $2,000 Inc! Coins, Excl DED $1,500 1 $4,000 $3,000 i $8,000 10% 50% $20 $40 $20 or $40 (initial visit) then CYD $20 or $40 No Charge $250 $20 or $40 (20 visits per year) $20 or $40 (20 visits per year) $50 10% after CYD 10% after CYD $150 10% after CYD 10% after CYD 10% after CYD $15 $30 $50 20% ($250 max) 2.5x Retail Copay POS $498.49 $1,031.87 $937.16 51,580.21 $91,118.62 $1,093,423.45 $64,966.31 -5.6% 50% after CYD 50% after CYD 50% after CYD Not Covered 50% after CYD $500 50% after CYD (20 visits per year) 50% after CYD (20 visits per year) $50 (50% after CYD if not True Emergency) $500 then 50% after CYD $500 then 50% after CYD $150 (50% after CYD if not True Emergency) 50% after CYD $500 per admission then 50% after CYD $500 per admission then 50% after CYD Not Covered 050410 City of Sebastian RFP Evaluation (CB).xls City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 Schedule of Benefits Lifetime Maximum Deductible Single Family Out of Pocket Maximum Single Family Coinsurance Office Visits Physician Office Visit Specialist Visit Pre -Natal Physical Exam Benefit Independent Clinical Lab Advanced Imaging Physical Therapy Chiropractic Urgent Care Center Hospital Inpatient Outpatient Emergency Room Visit Physician Services at Hospital Mental Health Inpatient Outpatient Current BlueCross BlueShield BlueOptions PPO 1749 i Out of Network $5 Million None i $500 None 1 $1,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 $8,000 0% 40% $15 40% after CYD $25 40% after CYD $25 40% after CYD $15/$25 Not Covered No Charge 40% after CYD $75 40% after CYD $25 40% after CYD $2,500 CY Max $2,500 CY Max $25 40% after CYD $2,500 CY Max $2,500 CY Max $25 40% after CYD Option 1/ Option 2 $300/ $600 $900 $100/ $200 $300 $100 $200 No Charge 40% after CYD Option 1/ Option 2 $300/ $600 $900 30 day Max 30 day Max $25 40% after CYD 20 day Max 20 day Max Prescription Drugs Generic $15 Brand Name $30 Non Preferred Brand $50 Tier 4 N/A Mail Order (90 day supply) 2x Retail Copay Rates: PPO PPO EE Only 69 $527.91 EE Spouse 19 $1,092.75 EE Child(ren) 16 $992.44 EE Family 14 $1,676.10 Monthly Premium $96,532.48 Annual Premium $1,158,389.76 Increase N/A Increase N/A Not Covered High level benefit summary. Please refer to schedule of benefits for full listing. Rates may be subject GEHRING ®GROUP Alternate #3 Bu BlueOptions 5760 Out of Network $5 Million $500 $1,500 $1,500 u $4,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 $8,000 10% 50% $20 50% after CYD $35 50% after CYD $35 50% after CYD $20 or $35 50% after CYD ($150 Max) No Charge 50% after CYD $150 50% after CYD $35 50% after CYD $2,500 CY Max $2,500 CY Max $35 50% after CYD $2,500 CY Max $2,500 CY Max $40 50% after CYD Option 1/ Option 2 $600/ $900 50% after CYD (5 day Max) $250/ $350 50% after CYD $150 50% after CYD $50 $50 Option 1/ Option 2 $600/ $900 (5 day Max) 50% after CYD $35 50% after CYD $10 50% after CYD $30 50% after CYD $50 1 50% after CYD N/A N/A 2.5x Retail Copay 1 N/A PPO $501.11 $1,037.30 $942.09 $1,591.03 $91,633.44 $1,099,601.28 $58,788.48 -5.1% z3 050410 -City of Sebastian RFP Evaluation (CB .x1s City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 �8 Current GEI Hi vcll�enefit summary. Please refer to schedule of benefits for full listing. Rates may be subject Alternate #4 BlueCross BlueShield Schedule of Benefits Lifetime Maximum Deductible Single Family Out of Pocket Maximum Single Family Coinsurance Office Visits Physician Office Visit Specialist Visit Pre -Natal Physical Exam Benefit Independent Clinical Lab Advanced Imaging Physical Therapy Chiropractic Urgent Care Center Hospital Inpatient Outpatient Emergency Room Visit Physician Services at Hospital Mental Health Inpatient Outpatient Prescription Drugs Generic Brand Name Non Preferred Brand Tier 4 Mail Order (90 day supply) Rates: EE Only EE Spouse EE Child(ren) EE Family Monthly Premium Annual Premium Increase Increase PPO 69 19 16 14 BlueOptions PPO 1749 i Out of Network $5 Million None $500 None i $1,500 Includes DED, Coins, and Copays Excl Rx $2,000 $4,000 $4,000 $8,000 0% 40% $15 $25 $25 $15/$25 No Charge $75 $25 $2,500 CY Max $25 $2,500 CY Max $25 Option 1/ Option 2 $300/ $600 $100/ $200 $100 No Charge Option 1/ Option 2 $300/ $600 30 day Max $25 20 day Max $15 $30 $50 N/A 2x Retail Copay PPO $527.91 $1,092.75 $992.44 $1,676.10 $96,532.48 $1,158,389.76 N/A N/A 40% after CYD 40% after CYD 40% after CYD Not Covered 40% after CYD 40% after CYD 40% after CYD $2,500 CY Max 40% after CYD $2,500 CY Max 40% after CYD $900 $300 $200 40% after CYD $900 30 day Max 40% after CYD 20 day Max Not Covered Florida Municipal Insurance Trust CIGNA OpenAccess Plus Out of Network $5 Million None $500 None i $1,500 Includes DED, Coins, and Copays Excl Rx $1,500 $3,000 0% $10 $25 $10/$25 $10/$25 No Charge $125 $25 20 Days Max $10 $30 $250 $750 then 40% after CYD i $150 I $300 then 40% after CYD $100 $100 No Charge $15 $30 $45 N/A 2.5x Retail Copay PPO $516.01 $970.07 $1,068.12 $1,638.32 $94,062.42 $1,128,749.04 $29,640.72 -2.6% $3,000 $6,000 40% 40% after CYD 40% after CYD 40% after CYD Not Covered 40% after CYD 40% after CYD 40% after CYD 20 Days Max 40% after CYD $30 (40% after CYD if not True Emergency) 40% after CYD $250 $750 then 40% after CYD $25 40% after CYD Not Covered 050410 City of Sebastian RFP Evaluation (CB).xls City of Sebastian Health Insurance RFP Evaluation Effective Date: July 1, 2010 Current BlueCross BlueShield Schedule of Benefits BlueOptions PPO 1749 Out of Network Lifetime Maximum $5 Million Deductible Single None i $500 Family None 1 $1,500 Out of Pocket Maximum Includes DED, Coins, and Copays Excl Rx Single $2,000 $4,000 Family $4,000 1 $8,000 Coinsurance 0% 40% Office Visits Physician Office Visit $15 40% after CYD Specialist Visit $25 40% after CYD Pre -Natal $25 40% after CYD Physical Exam Benefit $15/$25 Not Covered Independent Clinical Lab No Charge 40% after CYD Advanced Imaging $75 40% after CYD Physical Therapy $25 40% after CYD $2,500 CY Max $2,500 CY Max Chiropractic $25 40% after CYD $2,500 CY Max $2,500 CY Max Urgent Care Center $25 40% after CYD Hospital Option 1/ Option 2 Inpatient $300/ $600 $900 Outpatient $100/ $200 $300 Emergency Room Visit $100 $200 Physician Services at Hospital Mental Health Inpatient Outpatient No Charge 40% after CYD Option 1/ Option 2 $300/ $600 $900 30 day Max 30 day Max $25 40% after CYD 20 day Max 20 day Max Prescription Drugs Generic $15 Brand Name $30 Non Preferred Brand $50 Tier 4 N/A Mail Order (90 day supply) 2x Retail Copay Rates: PPO PPO EE Only 69 $527.91 EE Spouse 19 $1,092.75 EE Child(ren) 16 $992.44 EE Family 14 $1,676.10 Monthly Premium $96,532.48 Annual Premium $1,158,389.76 Increase N/A Increase N/A Not Covered BlueCross BlueShield BlueOptions .5749 Out of Network $5 Million $500 $1,500 $1,500 i $4,500 Includes DED, Coins, and Copays Excl Rx $1,500 $3,000 $3,000 $6,000 0% 50% $20 50% after CYD $35 50% after CYD $35 50% after CYD $20 or $35 50% after CYD ($150 Max) No Charge 50% after CYD $150 50% after CYD $35 50% after CYD $2,500 CY Max $2,500 CY Max $35 50% after CYD $2,500 CY Max $2,500 CY Max $40 50% after CYD Option 1/ Option 2 $300/ $600 50% after CYD (5 day Max) $200/ $300 50% after CYD $150 50% after CYD $50 $50 Option 1/ Option 2 $300/ $600 (5 day Max) 50% after CYD $35 50% after CYD $10 50% after CYD $30 50% after CYD $50 i 50% after CYD N/A N/A 2.5x Retail Copay 1 N/A PPO $519.58 $1,075.53 $976.81 $1,649.66 $95,010.29 $1,140,123.48 $18,266.28 -1.6% High level benefit summary. Please refer to schedule of benefits for full listing. Rates may be subject GEHRING 4GROUP Alternate #5 050410 City of Sebastian RFP Evaluation (C 0 o v v, o o 0 0 o o a a i 0' Q d 0 in $25.46 $51.08 $63.87 $88.76 $5,918.51 $71,022.12 $8,481.72 -10.7% 0 k C In i CD a) o o 0 I I In o $23.16 $50.01 $65.88 $92.72 $5,880.18 $70,562.16 -$8,941.68 -11.2% L O a 1 i in i in N N O O o off a a° o o o $25.05 $50.27 $62.86 $87.35 $5,824.27 $69,891.24 $9,612.60 -12.1% $25.45 $51.06 $63.85 $88.73 $5,916.38 $70,996.56 $8,507.28 -10.7% $28.50 $57.18 $71.50 $99.36 Employee 59 Employee Spouse 26 Employee Child(ren) 15 Family 24 Monthly Premium Annual Premium Increase Increase c 0 W C u- 0 Ce N u e1 c i 3 N i+ c GJ N XI n N Q G o u a 050410 City of Sebastian RF E u 0 7 k 0 0 0 7 m a ƒ cc z a 2 S 31.96 $64.13 $80.18 $111.43 $7,430.04 $89,160.48 $9,656.64 12.1% 2 to E c k 0 S J C 0 n 0 I a 2 a j g 8 2 z 0 VI 00 00 $27.28 $54.73 $68.44 95.10 $6,34150 $76,098.00 $3,405.84 -4.3% 0 1 0 CD 0 #.S L. C k k t/1 ƒ E in. z j 0 et $27.28 $54.52 $68.12 $95.36 $6,337.48 $76,049.76 $3,454.08 -4.3% s- LI OS k 2 o o O. k 0 0 z Z 3 e ƒ 0 9 0 Lc, 0 S G 2 2 2 u o 03 o 0 al f§ j/ f 7 NI $24.58 $55.14 $69.94 $99.36 $6,317.60 $75,811.20 $3,692.64 -4.6% c0 ƒ k i E u CO o A 2 k k g m 2 B I e e 7 2 G o a z 'L.' a a a 2 S cu L. $28.50 $57.18 $71.50 $99.36 $6,625.32 $79,503.84 N/A N/A co D 0 k CO co C E xi 0 k 0 m 2 CU ƒ j cu co c 0 m al u w\ p 0_ a/ t k vs CU sts •Li v i 7 u ƒ c Q a CU I f 0 0 Ki At g m j ƒ 0 7 o 4-, Employee 59 Employee Spouse 26 Employee Child(ren) 15 Family 24 Monthly Premium Annual Premium Increase Increase J CC u PPO Dental Insurance RFP Evaluation Effective Date: July 1, 2010 City of Sebastian 050410 -City of Sebastian RFP Evaluation (CB).xls 'O C I Y 1 u I C CO CU Ce o 3 2 O Z ,--I VI. t y. O 3 2 N L C O E N .--I N L C O E N .--I N L C O E V N Y {r E E a, o w Ls) 0 +n V C i cu iil 4-. 1 O. :3 a 41 0 .n v) .n .A v} 0 E m CC 0 0 .--i 0 IN Lo VI. tn. GO -C 9S'ST$ ZT'S$ $365.32 $4,383.84 $157.80 3.7% o RI C Y H I v C 10 al ec o CU Z c 0 Z Ln N ,-1 Y L O 3 3.. Z 0 o N L C O E N .--I N L C O E N I N L C O E N as E E a, 0 a m N a in 'y e .n .n .n v) -a E 61 N C CU N. 5 E O N •-4 L •n .n .n .n E v CC to <n o of o cv ill Kr If) ,I 111 in. CO 96'bT$ Z6'b$ $351.12 $4,213.44 $12.60 -0.3% C o Ln ut Z V1. V) Z Y u. w3 O o Ln .-4 .--I Z .n V) L Y C O E N L Y C O E N .--1 L Y C O E N w 4- E E ar Ln o o o 0 v 0 7 N v V) O 0 al d c y a o In In LO In v 0. 1 .--I ei .1 '-I e 0 .n .r) .n tn. .n E E d CC 0 O 0 O o us o 69'9T$ 65 $352.17 $4,226.04 $0.00 0.0% 10 I E 3 0 3 Z Z O Ifl Y 3 Z L C E N .-i L C E N 1-1 L C E ct N E E m o ar Ul CD CD CD 3 N N O 3 .A .O N a; cc CC O y E 0 0 In J E v CC o O .A O 0 tn r-i 73 la a. co ea rn OJ x 69'9T$ 6S'b$ $352.17 $4,226.04 N/A N/A In 1-- LL W Z W co O UJ O Q W 1 o RI U Ti O TO C U •L aJ 3 E Y Q X c cu W C LL m O. O U E X W N OJ N a J N E t- LL CU R a N w a, m N y N C a) L, a) I i CU c C J 'n C y v C E al J J tO 10 X J f f6 3 N N V U a, W U O IP N a C C CU 0.1 W N m F- J J Y 0 Ln O U 4.-. U as E Z Y as 0 U CO Y o 2 U N a/ E m LL m CO 3 al o CC 6 Apwej bq. a aAoldw3 Monthly Premium Annual Premium Increase Increase Vision Insurance RFP Evaluation Effective Date: July 1, 2010 City of Sebastian 050410 City of Sebastian RFP Eva i Z Z t O C Z to W 0 3 tu Z L L C C N N 1--1 ri .0 C V N a) et) a 3 V} V? an an. 3 •a V. a an m E 0. 0 t •p or OJ 0 0 0 0 0 0 O 0 IQ Q 1- 4 N N N N e 3 vs. o v V n t 10 E a o 0= tn. as 0£'LT$ 6S'b$ $357.66 $4,291.92 $65.88 1.6% Z CO Z Q E Y 3 Z in- -v). L L C C E E N N 1 .-1 L C E N v E v M N 'V V) 0 00 3 VT V? V? V} U 7 i/F -0 .Q O a) Z CU Z C y a o 0 0 0 0 °O 0. u nin O n o N N CC in in in 96'ST$ 6L'b$ $354.40 $4,252.80 $26.76 0.6% 3 (u Z CO t -0 0 C Z Y H 0 c MI Y C, 2 O Z S N V} VF L L C C O O E E N N e-1 .-1 L C O E C N 4. v N a 0 0 m f•J o m L CO in in v> i i in E E y E 0 O N N N N Q 0 u in v. V► of V? 0 e-1 tn. v CC VI- co IA c73 "ti in CO 88•ST$ bZ'S$ $373.48 $4,481.76 $255.72 6.1% 0 0 Z vs. 0 C Z A 3 O a) Z 0 In t L C C E E L C E a. 0 cu m In 0 0 0 0 0 o i V tOi> V E E W •0) O 0 0 r r-1 ,--1 r nl Q 0 p in in an in V1 3 U •a Fu CC co Lt. co CL LID LU 69'9T$ 6S'b$ $352.17 $4,226.04 N/A N/A LL W Z w m LL 0 J 0 W U in at O. N U CL or, U N E Cr x c� d W G W f6 a U N E H x N W J W 1. E LL IC 5 10 a 4= W W m N 0) N C (0 'n 0) C H c C In J •O c v C OJ J 10 X O1 To U 3 N W U N a0 O O r In C .0 v a a) i W en CO 1— -J J U .W h N C U Y 0 0 C Z U U O 0 2 U Q) E m LL r6 1d w N m d' 6 AIIwej bb aaAoidw3 Monthly Premium Annual Premium Increase Increase Effective Date: July 1, 2010 Vision Insurance RFP Evaluation 050410 City of Sebastian RFP Eva luatio Z Z V 0 A Z O VI. u� VT M w E E 0) 0) .a a t L L 0) 6) C C C E E E N N V C ei I--I N 01 O Q i e e U UT `n an vi. VI. E o) CC O 0 7 LL C a CO 0 0 VT $5.74 $18.26 $416.90 $5,002.80 $776.76 18.4% 4... Z 0 C CO E Y 3 Z UT Ul it a- E E N l co 0 0 0 O) 3 m VNi Cr 0 3 -0 U1 .0 IA IA N E Y Y Y Cc CC C C C E E E N N V 4., e-I r-I N CU a o LO Lfl a. 0 VT VT v> +n E 01 CC O O� to CD O v} u c, m n O CO n o v v O O m 0 LID 0 a) L d w 69'91$ 6S'b$ $352.17 $4,226.04 N/A N/A F LL Z m LL J W o 4 {A Q U E m X W Q LA C 1 co c c N 3 0) L LL a, CO D. a 0 N in 41 y Io C m c X of O) W J LL CO W c a) a) C CU al LL E C al J f0 J J a ea 14 W u V U y a) oa o_ C C N 01 W 00 I— J J U a) LU a) c..-, J Y C 0 0 L cco cn In y a) N N J T Y (0 Y c a) 0 g 0 N a) E Io LL N to 3 l7 a) t}o 0: Employee 44 Family 9 Monthly Premium Annual Premium Increase Increase Effective Date: July 1, 2010 Vision Insurance RFP Evaluation 050410 City of Sebastian RFP Evalu City of Sebastian Alternate It4 cu cu cc q ea c >0 0 cn 2 k u 2 cu Q Q 050410 City of Sebastian RFP Ev Lincoln Financial $0.28 $0.04 0 N j ƒ ti f j 7 N .4 J m r If/ NI k CIGNA $0.24 $0.014 m q% 2 q 2§ CO a CO in m in k m m 0 J 2 k G q q d m V 7 N 0 a ƒ Reliance Standard $0.29 $0.04 7 MI o M e K o 7 NI f k a m Di m o ti, 2+ R K n m k% Z •o q e/ M 7 7 Blu IueShiel FCL $0.26 $0.03 o m f a e a in 2 a 7 u 0 CO CO q o o- at o o o/ m® o V). q a m 4$ 2 f BlueCross BlueShield FCL $0.33 $0.04 0 CS 01 N k a f f 7 z z VI. e w 13 2 2 14 cu m CO R E k d d o in- 00 tn. Lf1 411. MI m S z Basic Life Rate $1,000 AD &D Rate $1,000 cc E j k 9 2 0 2 f E 1-/\ 0 m k E E k i I- 2 c uc 3) 1- 1-/ 0 2 2 I q z e n k k z tX k J 2 cu cu cc q ea c >0 0 cn 2 k u 2 cu Q Q 050410 City of Sebastian RFP Ev City of Sebastian 050410 City of Sebastian RFP Evaluation (CB).xls Guardian $0.42 $0.02 0 O O N d' m N C 0 0 i tn. in a o l0 v, 01) 0o O .4/1. 1+ C E to Q Q Q p p Z Z Z Z Z Z Z C MetLife $0.30 $0.03 0 O 0 Lo NI O O M O p O Ni h M 0 et V? .1 N n 00 o O M n M t/ 11 i N O N pao O J irk TY N M 01 V W O O 0 O O� 'I 0 6 Z N O M l0 M C11 ill iti 00 n m V O M e-1 ti j 6 in an. Humana $0.26 $0.04 0 O m M1 0 O O T in. O M ,-Z N co 0 Tr o 0 all C 0 0 00 .-1 ei N VY O O 000 u1 LID N M C m O O ?2, O E 0 I N N n Vf 00 N .4•• M NI in i/? H tn. in 0 n 0 .-1 N M m Ol tC N t!) i? BlueCross BlueShield FCL $0.33 $0.04 0 O rfl 6 d 'i m 1I IA. N n Z Z N J U U. y 0 CD uD 0 O N 0 0 0 O Co 4.4 2 N N in- M 0 O in v CU 3 m 0 0 a Z Z (xi Basic Life Rate $1,000 AD &D Rate $1,000 y c 01 a E W LLL 0 E a a. a j C co N -0 C C N N 01 c O C f6 To E m m 1- w F 1/ o \o Q N C 2 IX W O 0 0 .-i iA Y E Y v GGGC E a 01 C` 0 c tv E-a C C N N 01 O C c0 to E u c m m 0 W F iA a 5: =1 W cc 0 Z a W W LL 4 in _j W U Z F AA. e City of Sebastian 050410 City of Sebastian RFP Evaluation (CB).xls Lincoln Financial $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'00T$ 000'0£$ papnpui papnpui Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 60% ,Age 75 Benefit reduces by 75% 0 -C Y C 0 E a N CO O 0 4" N 4-1 0 4/ to ri O 4A to N O 4" a-1 O O U1 l0 40 O 4A• N ri N 4/3 4.0 4-I N in O1 an N 4" t0 N O N 00 O N 4" Humana $10,000 to $500,000 $10,000 Increments $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'00T$ 000'0£$ papnpui papnpui Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 50% Age 75 Benefit reduces by 75% N L N C 0 E l0 M 00 O O 4A N ri O 4A Ill O 4" 1f1 N O N N v O 4A t0 t0 O 4^ N 1.0 ri r N 4A 4A ON to N 4" 40 N 47 4A 00 O N 4A CIGNA $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000`00T$ 000`0£$ papnpui papnpui Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 50% N -C 4 0 0 E t0 M 0 CO O O 4A 0 01 O O 4A 0 N N O 4/T CO to N O 44 CO M N O 4" 00 1, m O 4/? h 0 0 O 4" .-1 M at O 4" 0 N M aM ih 0 N N M 4" 0 0 M t• 4A• BlueCross BlueShield /FCL I$10 000 to $500,000 $10,000 Increments, cannot 'exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'00T$ 000'0£$ papnpui papnpui Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 50% Age 75 Benefit reduces by 75% -C Y C 0 E 40 M 00 O O 4? e-4 N O 4? Tr .-4 O 4? N N O 4A N. M O 4A 0 l0 O 1" N 01 O N 01 N .4 4A N r4 N 4" 1A 1A M 4A M N. 0; 1" Florida Combined Life $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'00T$ 000'0£$ papnpui papnpui Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 50% a Z 00 O O an N O 4A to 1-1 O 4A !1 1!1 N O 4A 4-1 O 4A t 0 40 O 4A N N N 4A 40 N N 4A 01 1A N 4" t0 N ei 4/! CO O n 4" Supplemental Life Core Benefit All Eligible Employees All Eligible Spouses Features Guarantee Issue Amount Employee Guarantee Issue Amount Spouse Waiver of Premium Conversion Privilege Age Reduction Schedule O 0 0 a a1 0) C 03 m 0 at 4+ 0 0C o M w 00 a W 0 0 v M 0 41 Q rn M m 0 v a 0 al 01 v al 00 er to 0 LA al 01 an a/ 00 a 1.0 al 00 m 1.0 (N0 al 00 a n 0 a) Q a1 0 a a 13 C 16 N al 050410 City of Sebastian RFP Evaluation Alternate #3 Alternate #2 Alternate #1 Reliance Standard $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000`001$ 000'0E$ papnpui papnpul Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 60% Age 75 Benefit reduces by 80% La -c c 0 E ID M o C 4" O 4" O 1" N C 411 m C 4n ti) O 411. o .4 4n a .-i +n ..-1 1.4 4n 0 a 44 MetLife $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'00T$ 000'0E$ papnpul papnpul auoN 0 t t O 0 E t0 M M 01 0 O 4n t0 "J N O 44 M LID .-I O 1.4 CO -I O 44 1N N O 4" n O 44 .-4 00 O N in 0 .4 4n t0 .-1 N 4n IA 'Cr M 44 Florida Combined Life $10,000 to $500,000 $10,000 Increments, cannot exceed 5x annual earnings $5,000 to $250,000 $5,000 Increments, cannot exceed 50% of primary benefit 000'001$ 000'0£$ papnpul papnpul Age 65 Benefit reduces by 35% Age 70 Benefit reduces by 50% Q Z 00 0 O 4A N N O 4n M N O an 1A N C in .1 a C 4n ID t0 O an N N .N 1.4 ID N .-1 4n 01 IA HI an tO N !f an CO O 1� an Supplemental Life Core Benefit All Eligible Employees All Eligible Spouses Features Guarantee Issue Amount Employee Guarantee Issue Amount Spouse Waiver of Premium Conversion Privilege Age Reduction Schedule 0 0 W 0. W W C 10 O CO M 4 0 1 O C D Cr M co 01 00 4 m on M W OD Q a o a W 00 4 a an et 01 00 4 u1 o M W MO 4 IA ill IA W 0.13 Q ID 0 1.0 W OD 4 IMD IND W 60 4 Cr 0 W 00 4 0 .0 4 C 16 ifx n W OD 4 050410 City of Seba City of Sebastian Supplemental Life Insurance Alternate #5 Alternate #4 Employee Assistance Number of Sessions per EE /Dependent Workplace Posititve Drug Testing: Describe in detail cost /session, follow -up and monitoring Locations List All Manager Supervisor Training Brochures Workplace Posters Frequency of Comprehensive Renortine Initial Orientation Sessions Employee Seminars Critical Incident Debriefing Newsletters Legal /Financial Services Eldercare Childcare Consultation Website tMHNet Up to 6 per year Consultation polic development, drug free workplace training, drup refferal, and case management Nationwide Network Up to 4 hours per year; Addition time $100 /hr Included Quarterly Annual None 4 hours per year on topics selected by City; Additional time $100 /hr Unlimited 1 staff hour on site per incident; Addional time $100 /hr Quarterly Unlimited consultation on separate issues Reliance Standard Up to 5 per Issue Consultation policy development, drug refferal, and case management. Drug Free Workplace trainings available at an additional cost 4nl net- hour Nationwide Network Available at no cost via webinar Included Quarterly Available at additional cost. $400 per Seminar Available at additional cost. $400 per Seminar 1 per calendar year Monthly Unlimited consultation on separate issues Unlimited consultation on separate issues. On -line Yes, Interactive Lincoln Financial Up to 6 per year Consultation policy development, drug free workplace training, drup refferal, and case management Nationwide Network 2 hrs per 250 EE's for onsite services; Additional time $150 /hr $5,000 Annual 2 hrs per 250 EE's for onsite services; Additional time $150 /hr 2 hrs per 250 EE's for onsite services; Additional time $150 /hr 2 hrs per 250 EE's for onsite services; Additional time $150 /hr Quarterly Unlimited consultation on separate issues Unlimited consultation on separate issues Yes, Interactive Per Employee Rate Employees $1.920 129 $1.130 129 $1.320 129 Monthly Premium Annual Premium Increase Increase $247.68 $2,972.16 N/A N/A $145.77 $1,749.24 $1,222.92 -41.1% $170.28 $2,043.36 $928.80 -31.3% City of Sebastian Employee Assistance Effective Date: July 1, 2010 Current Alternate #1 GEHRING,•GROUP Alternate #2 050410 City of Sebastian RFP Evaluation GEHRINqAGROUP Employee Assistance Number of Sessions per EE /Dependent Workplace Posititve Drug Testing: Describe in detail cost /session, follow -up and monitoring Locations List All Manager Supervisor Training Brochures Workplace Posters Frequency of Comprehensive Reoortine Initial Orientation Sessions Employee Seminars Critical Incident Debriefing Newsletters Legal /Financial Services Eldercare Childcare Consultation Website MHNet Reliance Standard Up to 5 per Issue Consultation policy development, drug refferal, and case management. Drug Free Workplace trainings available at an additional cost t Linn nar hniir Nationwide Network Available at no cost via webinar Included Quarterly Available at additional cost. $400 per Seminar Available at additional cost. $400 per Seminar 1 per calendar year Monthly Unlimited consultation on separate issues Unlimited consultation on separate issues. On-line Yes, Interactive Lincoln Financial Up to 6 per year Consultation policy development, drug free workplace training, drup refferal, and case management Nationwide Network 2 hrs per 250 EE's for onsite services; Additional time $150 /hr $5,000 Annual 2 hrs per 250 EE's for onsite services; Additional time $150 /hr 2 hrs per 250 EE's for onsite services; Additional time $150 /hr 2 hrs per 250 EE's for onsite services; Additional time $150 /hr Quarterly Unlimited consultation on separate issues Unlimited consultation on separate issues Yes, Interactive Up to 6 per year Consultation polic development, drug free workplace training, drup refferal, and case management Nationwide Network Up to 4 hours per year; Addition time $100 /hr Included Quarterly Annual None 4 hours per year on topics selected by City; Additional time $100 /hr Unlimited 1 staff hour on site per incident; Addional time $100 /hr Quarterly Unlimited consultation on separate issues Per Employee Rate Employees $1.920 129 $1.130 129 $1.320 129 Monthly Premium Annual Premium Increase Increase $247.68 $2,972.16 N/A N/A $145.77 $1,749.24 $1,222.92 -41.1% $170.28 $2,043.36 $928.80 -31.3% City of Sebastian Employee Assistance Effective Date: July 1, 2010 Current Alternate #1 GEIII:ING Alternate #2 050410 City of Sebastian REP Evaluation (CB).xls