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28 Employee BenefitsCITY COUNCIL AGENDA ITEM BRIEFING SHEET Submittal Date: 2/ 18/09 Originating Departrnent: Presented By: Agenda Item No.: Council Date: 2/23/09 Finance Gene Anderson 28. RECOMMENDED MOTION: POLICY ISSUE(S): Employee Benefits At the January 12t Council meeting, Council requested that TML develop an alternative medical insurance plan for City employees with the goal of structuring a plan that would have lower dependent premiums for employees while maintaining as much coverage as possible. All employees were asked to complete a questionnaire concerning the health insurance plan and 206 responded. The results of that survey were shared with Council, staff, and TML. Representatives from TML will be at the meeting to present the alternative plan. BOARD/COMMISSION RECOMMENDATION: None EXHIBITS: Medical benefit survey summary report ACTION: BUDGET INFO: ❑ Financial Report M Minute Order Expense $NA ❑ Department Report ❑ Resolution Budgeted Amt. $NA ❑ Presentation ❑ Ordinance ❑ P bli H i ❑ O h y'TD Actual $NA u c ear ng t er Acct. Name NA Acct. Number NA FISCAL NOTES: None REVIEWED AND APPROVED BY: N Administration Z Ciry Clerk ❑ Community Development ❑ EMS/IT Z Finance ❑ Fire ❑ Municipal Court ❑ Legal ❑ Library ❑ Police ❑ Eng./Public Works ❑ Utilities City of Paris Revised 2/04/08 . i1(1U15 1) Medical Benefit Survey 1. The current deductible is $500 per individual or $1,000 per family. Would you be willing to pay a higher deductible in order to lower dependent, i.e. spouse and family, premium rates? Yes ~ No Response Response Percent Count 22.3% 45 77.7% 157 answered question 202 skipped question 4 2. If you answered yes to question number 1 and are wiliing to pay a higher deductible, which of the following deductibles do you prefer? Response Response Percent Count 75.3% 137 14.3% 26 7.7% 14 2.7% 5 answered'question 182 skipped question 24 3. If another plan was offered that had an office copay instead of the current 30 percent payment, what office visit copay would you be willing to pay? $30 $35 0 $ao ~ Response Response Percent Count 82.1% 160 11.3% 22 6.7% 13 answered question 195 skipped question 17 - oU0151) 4. The current maximum in-network "out of pockeY" amount for employees is $3,000. Would you be willing to increase the "out of pocket" expense? Yes 0 No - -~t ~ Response Response Percent Count 12.9% 26 87.1% 175 answered question 201 skipped question 5 5. If you answered yes to question 4 and are willing to raise the "out of pockeY" amount, which of the following amounts would you prefer? Response Response NA - I answered no to question 4 - - - $3,500 ~ $4,000 ~ $5,000 0 Percent Count $5.6% 160 10.2% 19 2.7% 5 1.6% 3 answered question 187 skipped question 19 6. Currently the City pays 100 percent of the premium for empioyees. As a means of lowering spouse and dependent premiums (paid 100 percent by the employee), would you be willing to pay for a portion of the employee premium (currently $385 per 'I month)? 'i Response' Response 'i Yes No , Percent ' Count ' I 13.4% 27 86.6°!0 174 answered quesfion- 201 skipped question 5 I - ~►ia~~1~ i 7. If you answered yes to question 6 and are willing to pay for a portion of the employee premium, how much is an acceptable amount each month? Respanse Response NA - I answered no to question 6 $20 0 $25 F] $30 0 $35 $40 Fj Percent Count 85.0% 159 6.4% 12 2.1% 4 3.7% 7 0.0% 0 2.7% 5 answered question 187 skipped question 19 8. Please prioritize, in order of your most preferred to least preferred, how you prefer the potential changes described in the questions above. In other words, if on ly some of the changes can be made, what ones do you think should be made first? Most Least Rating Response Prefered Prefered Average Count Increase the deductible 14.0% (14) 32.0% (32) 31.0% (31) 23.0°/a (23) 2.63 100 Increase the "out of pockeY" total 4.1 %(4) 28.6% (28) 39.8% (39) 27.6% (27) 2.91 98 Have an office copay 77.5% (707) 12.3% (17) 7.2% (10) 2.9% (4) 1.36 138 Have employee contribute to 8.5% (10) 14.4% (17) 15.3% (18) 61.9% (73) 3.31 118 employee premium answered question 146 skipped question 60 f) (115~:. 9. One of the current benefits through TML is the Healthy Initiatives payment of $150. This is paid if the covered person completes a list of preventative measures within the plan year. Did you take advantage of the Healthy Initiatives benefit during the last year? Yes No Response Response Percent Count 20.7% 41 79.3% 157 answered'question 198 skipped question 8 10. If you answered no to question 9, why did you not take advantage of the Healthy Initiatives benefit? Response Response NA - I answered yes to question 9 Do not like going to the doctor ~ Did not understand the program 0 Forgot about it 0 $150 is not enough of an incentive ~ Other (please specify) Percent Count 27.2% 50 9.2% 17 19.6% 36 19.6% 36 10.9°/a 20 32.1 % 59 answered question 184 skipped question 22 P 0 P 1 5.y 11. Until last year the TML insurance plan included a Smart Care benefit through Dr. Richard Bercher. Smart Care allowed employees and covered dependents to see the doctor with no office copay or percentage payment,l5 minute wait time or less, and other benefits. Did you use the Smart Care benefit while it was offered? Y@S - „ No _ Was not an employee at the time ~ Response Response Percent Count 47.7% 95 41.7% 83 10.6% 21 answered question 199 skipped question 7 12. If offered again, how likely would you be to use Smart Gare? Response Response Definitely would use Probably would use ~ Maybe/Maybe not use 0 Probably would not use ~ Definitely would not use ~ Percent' Count 53:5% 108 17.2% 34 14.6% 29 8.1% 16 6.6% 13 answered question 198 skipped question 8 13. Please describe how or if your spouse is covered by medicai insurance. I do not have a spouse My spouse is covered by TML ~ My spouse has medical insurance em. through their employer My spouse has medical insurance through a plan that we pay for or is F-7 provided through another source other than the spouse's employer My spouse does not have insurance Response Response Percent Count 17.3% 34 10.2% 20 51.3% 101 1 4.6% 9 I 16.8% 33 answered question 197 skipped question 9 14. Please describe how or if your dependent children are covered by medical insurance. I do not have dependent children My dependent children are covered E~ by TML My dependent children have medical insurance through my spouse's ~ employer My dependent children have medical insurance through a plan that we pay for or is provided through ~ another source other than my spouse's employer My dependent children do not have F=1 insurance Response Response Percent Count 42.2% 84 19.1% 38 15.6% 31 I 13.1% 26 I 10.1% 20 I answered question 199 skipped question 7 0 1► f 116 . 15. Please describe any additional constructive thoughts you may have on the City's medical insurance benefits and/or the costs. Response Count 105 answered question 105 skipped question 101 0 IJIJ V16u