Welcome Employee Benefits Committee - Clovis Unified ...
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November 13, 2017
Welcome
Employee Benefits
Committee
November 14, 2017
1
Mission of the Employee Benefits Committee
Employees and retirees working to provide
all of our benefitted employees and retirees with:
The Best Possible Benefits
With The Best Possible Service
At The Lowest Possible Cost
2
1November 13, 2017
EBC meetings at New Tech Center 2nd Floor
3:30 to 5:00
EBC Oct 24 New Members SBC ECC
EBC Nov 14 Oct 19 Sep 21
EBC Dec 5 miCare Oct 26
Dec 12 Nov 28
EBC Jan 23 subject to change Jan 11 Dec 7
EBC Feb TBA Health Center Grand Opening Feb 22 Jan 18
March 15 Feb 15
EBC March 8 April 26 Mar 22
EBC April 12 May 17 Apr 19
EBC May 17 June ? May 10
May 24
All dates and locations Attendance is critical.
are subject to change You are the representative
for your site/department.
3
EBC Topics for Today
EBC Member Information Update
Costco Flu Clinics
Clovis Unified Employee Health Center by miCare
2016‐17 Self‐Insurance Fund (SIF) –
Revenues and Expenditures
SBC Proposal for Consideration and Vote
4
2November 13, 2017
EBC Members
119 Members – includes 15 new members
Representing every site, department, & retirees
Non‐Voting Support Team:
Candace Boswell
Dori Cirrincione
Shareen Crosby
Barry Jager
Michael Johnston
Susan Rutledge
Nicky Skelton
Michael Ward
Alan Thaxter ‐ Gallagher Benefit Services
Becky Troncoso – Gallagher Benefit Services
5 Steve Ward
EBC Members – Check Your Information
6
3November 13, 2017
Active Benefitted Employees
by Employee Group
7
District Employee Committees & Responsibilities
Employee Benefits Employee Compensation
Final decisions Advisory/Recommendations
regarding Benefit Plan regarding Total Compensation
(118 members) (37 members)
Standing 3,500 Health Benefitted
1,600 Non-Health Benefitted
Benefits
Study group and
recommendations
(15 members)
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4November 13, 2017
What is the role of each EBC member?
Members understand that his/her role on the
EBC is not to represent herself/himself.
Instead:
Members are on the committee to
represent the employees in his/her
department or school site.
BEYOND THAT, each member considers
globally, what is the best decision for the
majority of CUSD employees.
9
Norms and Expectations
Attendance at all meetings is expected
Share information and gather input and
questions from co‐workers
All factual information and decisions
may be shared with co‐workers or
retirees
All handouts will be available to the
public on the CUSD website
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5November 13, 2017
Why is 31 so important?
Ask your EBC rep today
You must make changes, to your dependents in the event
you have a Change in Life situation such as birth, death,
marriage, divorce or gain/loss of other insurance
coverage, within 31 days of the Change in Life situation.
Proof of a change in life status must be given to the Benefits
Department during the 31 day window to ensure
coverage of your new dependent(s) or to terminate
dependents that are no longer eligible.
EBC meetings: 2/16/12; 11/1/12; 2/21/13; 10/14/14; 12/9/14; 11/17/15; 12/8/15;
11 11/15/16; 12/8/16: 1/19/17; 11/9/17; 10/24/17; 11/14/17
CUSD Website – All Documents Posted
CUSD.com - Employees - Benefits - Employee Benefits Committee
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6November 13, 2017
Summary of Benefits and Coverage
ACA Requirement for All Health Plans
Website: Employees / Benefits / Health Plan
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Flu Immunization Clinics –
Staffed by Pharmacists
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7November 13, 2017
Health Plan Providers for Clovis Unified
Self‐Insurance Plan is at Full Risk for Paying the Total Cost of All Claims
Health Now Administrative Services – Third Party Administrator;
Oversees all medical related claims.
Blue Shield – Self‐Insurance Fund (SIF) pays a fee to “rent” access to
Shield’s Preferred Provider Organization (PPO) network.
CVS/Health – Pharmaceutical Benefits Manager; Oversees and
manages all aspects of member Rx usage.
Delta Dental – Provides access to Delta’s dental plans and network.
VSP – Provides access to VSP’s vision plans and network.
Halcyon – Provides access to Avante’s Behavioral Health network and
operates our Employee Assistance Program.
ChiroMetrics – Provides access to Chirometric’s chiropractor network.
***Voya Employee Benefits – Provides Stop‐Loss insurance that
protects the SIF from large claims >$450k (insurance company at full risk)
15
Clovis Unified
Employee Health Center
by
Sue Wayte, Senior Account Executive
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8November 13, 2017
Health Center Entrance Only –
West side of Profession Learning Center
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9November 13, 2017
Q1: How interested are you in using the Health Center?
(Reminder: There is no copay for utilizing the Health Center’s services)
Answered: 1,828 Skipped: 7
See Survey pdf for all questions
Frequently Asked Questions (FAQs) –
Available after December 5th EBC meeting
20
10November 13, 2017
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11November 13, 2017
Self‐Insurance Fund (SIF)
Revenues
and
Expenditures
23
Compensation - Controlled by New Policies & Economic Forces
Total Compensation
Salary Health
Benefits
Minimum Wage National Annual Average
Mandates Salary Floor Cost Increase
$15 for January 2022 5% to 8%
and CA-CPI beyond
Retirement
STRS/PERS
Mandated Employer Rate
Increases to 19% or more
24
12November 13, 2017
Retiree
Plan
25
Historical Retiree Premiums – 12 monthly payments
26
13November 13, 2017
2017/18 Actual Premium and 11% Annual Trend
$40 per month less than trend or $480 less annually
Trend
Actual
27
Overall Plan Performance
and
Active Employee Plan
28
14November 13, 2017
Total Annual Cost of Clovis USD Health Plan
29
Total Health Plan Cost per Member
+ 4%
- 4%
30
15November 13, 2017
Why were our benefit
expenditures in
2016/17 nearly 10%
less than projected?
31
Components of Cost Savings
Implemented by Employee Benefits Committee
1) First year of new three year agreement with CVS negotiated by the
Standing Benefits Committee. Mitigated cost increase by $3m.
2) Significantly fewer “unpredictable” medical claims, reduced medical
claims by $2million.
3) Identified excessive cost for blood draw claims by a local provider. In
May, EBC recommended that members refrain from using the identified
labs. Potential annual reduction of $500,000.
4) Implemented five Utilization Management protocols to decrease the
usage of high cost Rx . Estimated mitigated cost increase by $400,000
5) Reduction in the ratio of dependents to active employees. The yield ratio
dropped from 2.18 to 2.04, resulting in an estimated 500 fewer
dependents. Estimated mitigated cost increase of $1million.
32
16November 13, 2017
Self-Insurance Fund Rx Cost over Four Years
Total Self-Insurance Fund Rx Cost
33
Rx Employee Copays over Four Years
34
17November 13, 2017
Rx Plan Performance – Four Year Trends
35
Total Cost of Claims Grouped by Size of Individual Claims
Total Cost
of Large
Claims
$2m less
than prior
years
Predictable Claims for Projections Unpredictable ClaimsNovember 13, 2017
Quest
St. Agnes Summer Claims
EBC Alert
May 25
37
New Rx Utilization Management (UM) Protocols
Estimated Increased Cost Mitigation
38
19November 13, 2017
Growth in Active Employees and Dependents
39
Proposal:
Design and Implement
a SIF Reserve
for the
Active Employee Plan
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20November 13, 2017
EBC Action Items
Provide updates to your colleagues
Work with your supervisor to determine a
plan for dispensing information to your
site/department
Kelly Avants will provide talking points
Next EBC Meeting with miCare:
Tuesday, December 5, Tech Center Conference Room
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