Committee Meeting

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Committee Meeting September 12, 2007

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(No Transcript)
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Carrollton-Farmers Branch ISD Rate History

• Plan Year 2005
• No increase in medical/dental premiums
• Several plan adjustments
• Plan Year 2006
• 1 to 8 premium increase on Plan B, Plan T
  and Core Plan
• 25 increase for Plan H
• Increase in District Contribution to
  262.00
• Minimal Plan Changes
• No increase in dental premiums
• Plan Year 2007
• No increase in medical premiums
• Plan Enhancements
• 10 increase in dental premiums

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2008 Premium Recommendations

• Medical Plan Premiums
• Premiums for the CORE, Plan B and Plan H would be
  increased by 20.00 per month
• Premiums for Plan T would be increased by 15.00
  per month
• Dental Plan Premiums
• There would be no increase in premium or plan
  design for the Dental Plan

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Proposed 2008 Rates
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TRS ActiveCare Considerations

• District is out of the Health Insurance Business
• Loss of flexibility in Plan Design and Rates.
• Insurance Committee input is limited to voluntary
  products only.
• The benefits department will not be able to
  assist employees with claim issues (HIPAA). BCBS
  policy is strict enforcement.

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TRS ActiveCare Considerations (cont.)

• TRS has undergone consistent benefit and or rate
  changes since inception.
• 2007-2008 TRS ActiveCare Benefit changes
• ActiveCare 1 Annual individual deductible rises
  50 (from 1,050 to 1,100)
• ActiveCare 2 Outpatient surgery co-pay of 100
  in addition to the deductible and coinsurance
  Inpatient admissions has a 100 co-pay per day
  with a 500 per admission maximum in addition to
  the 500 deductible and coinsurance
• 7 rate increase for all PPO plans
• Once you are in you are always in you cannot get
  out

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TRS ActiveCare Considerations

• TRS Prescription Drug Benefits
• Prescription Drugs are subject to a formulary
• Generic
• Preferred (Generic is available)
• Non-Preferred (No Generic is available)
• Plan 1 you must meet a 1,100 deductible before
  the plan will reimburse at 80

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(No Transcript)
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(No Transcript)
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(No Transcript)
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Disability Request for Proposal
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Disability

• This summer the District went out for proposals
  for Disability Programs.
• By going out for proposals UNUM has agreed to
  keep the premiums level for the Educator
  Disability Plan.
• No Accidental Death Dismemberment Benefit
• The 0/3 elimination period changes to a 0/7
  elimination period

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Half-Tab Program
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Voluntary Half-Tablet Program
The UHPS Half Tablet is unique in several
ways -It is completely voluntary. -Members
choose to participate. -It respects the
physician/member relationship by requiring
physician involvement in the decision. -Medication
s are reviewed for certain clinical criteria and
must be deemed safe and appropriate for
splitting. -Members save between 150 and 300
annually.
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Member safety is always our first consideration

• Thorough clinical review of medications to
  determine appropriateness for the program
• Members are encouraged to talk to their doctor
  about the program and if it is right for them
• The program is completely voluntary Members make
  the decision to participate
• The program includes convenient access to a pill
  splitter to promote safe pill splitting

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Current Half-Tab Utilization