Cabrillo College
Pre-Renewal Meeting
February 3, 2015
Christine Kerns, Senior Vice President
Eryn Elola, Account Executive
AGENDA

Benefit Strategies

Review of 2014-15 Renewal Action

Goals and Objectives

Next Steps

Exhibits:
 A: 2014-15 Rates and Benefits
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
2
BENEFIT STRATEGIES
10/1/2014 -15 PLAN REVIEW
Coverage
Decision/Outcome
SISC Medical Plans
•
•
•
10/1/2014 Renewal – Increase 6.6% Overall
No Changes
ACA Fees included
Delta Dental (ACSIG)
•
•
10/1/2014 Renewal – Rate pass
No Changes
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
3
BENEFIT STRATEGIES
10/1/2014 -15 FINANCIAL REVIEW
Enrollees
10/1/2013
Current
10/1/2014
$∆
%∆
58
248
65
90
40
31
$1,129,872
$3,921,372
$948,360
$1,474,380
$683,436
$295,692
$1,209,060
$4,202,352
$1,027,800
$1,550,268
$718,920
$313,164
$79,188
$280,980
$79,440
$75,888
$35,484
$17,472
7.0%
7.2%
8.4%
5.1%
5.2%
5.9%
HMO $10-0
HMO $25-500
HMO $30-20%
PPO 80-E
PPO 80-J
PPO HDHP B
COMPANIONCARE (Individual Ret Plan)
CompanionCare
KAISER PERMANENTE (Individual Ret Plan)
6
8
0
34
4
0
$44,496
$44,544
$0
$203,184
$21,744
$0
$48,312
$44,064
$0
$212,160
$22,752
$0
$3,816
-$480
$0
$8,976
$1,008
$0
8.6%
-1.1%
0.0%
4.4%
4.6%
0.0%
7
$31,968
$35,520
$3,552
11.1%
Kaiser Permanente
DELTA DENTAL (ACSIG)
Active
Retirees
2
$7,392
$7,896
$504
6.8%
465
162
$713,577
$181,579
$713,577
$181,579
$0
$0
0.0%
0.0%
$9,701,595
$10,287,423
$585,828
6.0%
Line of Coverage
BLUE SHIELD ACTIVE & EARLY RETIREE
HMO $10-0
HMO $25-500
HMO $30-20%
PPO 80-E
PPO 80-J
PPO HDHP B
BLUE SHIELD RETIREE +65
Total Annual Premium
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
4
BENEFIT STRATEGIES
10/1/2015 RENEWAL SCHEDULE
Renewal Schedule
October 1, 2015 - September 30, 2016
Coverages
Effective Date
Release Date
10/1/2015
Late April 2015
10/1/2015
Early June 2015
Medical
Blue Shield HMO, PPO, H.S.A. (SISC)
Dental
Delta Dental PPO (ACSIG)
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
5
NEXT STEPS
 Committee Meeting Dates – Renewal Meeting
 2nd week of May?
 ACSIG – Delta Dental Renewal
 Board meeting late May
 Expect to have Cabrillo College’s specific Dental renewal early June
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
6
2014/15 FINAL RATES & BENEFITS
BLUE SHIELD PLANS (SISC)
See Attachment
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
7
2014/15 FINAL RATES & BENEFITS
ANTHEM COMPANIONCARE – RETIREE PLAN (SUPPLEMENT PLAN)
Anthem CompanionCare - RETIREE PLAN
Effective October 1, 2014
CompanionCare
Current / Renewal
Pays $1216
Pays $304 a day
Pays $608 a day
Pays 100% for 151st day to 515th day
Pays nothing
Pays $152 a day for 21st to 100th day
Pays nothing after 100th day
Pays $147
20% MA charges including 100% of Medicare Part B deductible
20% MA charges
SERVICES
Inpatient Hospital (Part A)
Skilled Nursing Facilites
(Must be approved by Medicare)
Deductible (Part B)
Basis of Payment (Part B)
Medical Services (Part B)
Doctor, x-ray, appliances, &
ambulance Lab
Physical/Speech Therapy (Part B)
Blood (Part B)
Travel Coverage
(when outside the US for less than 6
consecutive months)
Outpatient Presrciption Drugs
CompanionCare EMPLOYEES
Retiree
Retiree plus 1 dependent
Total Monthly Premium
Total Annual Premium
$ ∆ to Current
% ∆ to Current
Pays nothing
EE
6
1
7
20% MA charges up to the Medicare annual benefit amount.
Pays 1st 3 pints unreplaced blood and 20% MA charges
Pays 80% inpatient hospital, surgery, anestetist and in hospital
visits for medically necessary services for 90 days of treatment per
lifetime
* Generic: $9 co-pay for a 30-day supply at a retail pharmacy or $18
Current
Renewal
$333
$370
$666
$740
$2,664
$2,960
$31,968
$35,520
$3,552
11.1%
* CompanionCare is a Medicare Supplement plan that pays for medically necessary services and procedures that are considered as a
Medicare Approved Expense
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
8
2014/15 FINAL RATES & BENEFITS
KAISER PERMANENTE INDIVIDUAL RETIREE PLAN
SERVICES
Current
Renewal
Hospitalization
* Inpatient
* Emergency Room
$200/Admit
$50 co-pay/waived if admitted
$200/Admit
$50 co-pay/waived if admitted
Skilled Nursing Facility
Covered in full for 100 days per
benefit period
Covered in full for 100 days per
benefit period
$10 co-pay per visit
$10 co-pay per visit
Physician Services/Basic Health Services
* Office visits
* Consultation, diagnosis, and treatment by a
specialist
X-Ray Services
* Includes routine annual mammography
Laboratory Services
Annual Physical Examination
* Includes pap smears
Outpatient Mental Health/20visits
Vision Care
* Examination for eyeglasses
* Glaucoma testing
* Standard frame/lenses every 24 months
No charge
No charge
No charge
No charge
$10 co-pay per visit
$10 co-pay per visit
$10 co-pay per visit; $5 co-pay per
group visit
$10 co-pay per visit; $5 co-pay per
group visit
$10 per visit
$10 per visit
$10 co-pay per visit
$10 co-pay per visit
$150 frame and lens allowance every $150 frame and lens allowance every
24 months
24 months
Not covered
Not covered
$10 co-pay per visit
$10 co-pay per visit
Dental Care (DeltaCare)
Hearing Examination
Immunizations
* Includes flu injections and all Medicare
approved immunizations
Ambulance
No charge
No charge
$50/Trip
$10 co-pay per visit
(subject to medical necessity)
$50/Trip
$10 co-pay per visit
(subject to medical necessity)
Prescription Drugs
$10 co-pay per generic/$20 co-pay
per brand name up to $100 day
supply at Kaiser pharmacies
$10 co-pay per generic/$20 co-pay
per brand name up to $100 day
supply at Kaiser pharmacies
* Prescription drugs related to sexual dysfunction
50% co-insurance;
limited to 27 doses in any 100-day
period
50% co-insurance;
limited to 27 doses in any 100-day
period
Current
$308
$616
Renewal
$329
$658
$7,392
$7,896
Manual Manipulation of the Spine
Retiree Over Age 65
Retiree
2
Total Monthly Premium
Total Annual Premium
$ ∆ to Current
% ∆ to Current
2
$504
6.82%
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
9
2014/15 FINAL RATES & BENEFITS
BLUE SHIELD MEDICARE ADVANTAGE
SERVICES
Ambulance
Annual Physical Examination
• Includes pap smears
Durable Medical Equipment (DME)
Medicare covered services
Current
Renewal
$0 co-pay per trip
$0 co-pay per trip
$0 co-pay*
$10 co-pay per visit
$0 co-pay*
$10 co-pay per visit
$0 co-pay
$0 co-pay
$0 co-pay per admission
$0 co-pay per admission
Hospitalization
• Inpatient
• Outpatient hospital services
• Emergency Room
Immunizations
• Includes flu injections and all Medicare approved immunizations
Laboratory Services
Manual Manipulation of the Spine
Mental Health - Inpatient
Mental Health - Outpatient unlimited visits
$20 co-pay
$20 co-pay
$50 co-pay/waived if admitted within 24 hrs for the same
condition
$50 co-pay/waived if admitted within 24 hrs for the same
condition
$0 co-pay*
$0 co-pay*
No charge
No charge
$10 co-pay per visit (subject to medical necessity)
$10 co-pay per visit (subject to medical necessity)
No charge for day 1-150
Member pays 100% from day 151 and over
No charge for day 1-150
Member pays 100% from day 151 and over
$20 co-pay
$20 co-pay
Physician Services/Basic Health Services
• Office visits
$20 co-pay
$20 co-pay
• Consultation, diagnosis & treatment by a specialist
$20 co-pay
$20 co-pay
Prescription Drugs
30 day supply at Retail and 90 day supply through Mail Order
10/30/50 Three Tiered Plan
10/30/50 Three Tiered Plan
Generic
$10 Retail, $20 Mail order
$10 Retail, $20 Mail order
Preferred Brand
$30 Retail, $60 Mail order
$30 Retail, $60 Mail order
Non-Preferred Brand
$50 Retail, $100 Mail order
$50 Retail, $100 Mail order
Injectables
20% up to $100 per prescription Retail, $300 Mail order
20% up to $100 per prescription Retail, $300 Mail order
Specialty
20% up to $100 per prescription Retail, $300 Mail order
20% up to $100 per prescription Retail, $300 Mail order
Covered in full for 100 days per benefit period
Covered in full for 100 days per benefit period
$0 co-pay*
$0 co-pay*
Current
$406
Renewal
$406
$0
$0
$0
$0
$0
Skilled Nursing Facility
X-Ray Services
• Includes routine annual mammography
Rates
Retiree
Total Monthly Premium
Total Annual Premium
$ ∆ to Current
0
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
10
2014/15 FINAL RATES & BENEFITS
DELTA DENTAL (ACSIG)
ACTIVES
Delta Dental PPO
Dental Benefits
Calendar Year Maximum
Calendar Year Deductible
Individual / Family
Diagnostic and Preventive
Oral Exam & X-Rays
Teeth Cleaning
Fluoride Treatment
Space Maintainers
Bitewings
Basic Services & Crowns
Amalgam/Composite Fillings
Periodontics (Gum disease)
Endodontics (Root Canal)
Extractions & Oral Surgrey
Sealants
Crown Repair
Restorative - Inlays and Crowns
Prosthodontics
Orthodontics
Eligible for Benefit
Lifetime Maximum
Dental Accident
Lifetime Maximum
PPO Premier
PPO Premier
Out-of-Network
PPO Premier
PPO Premier
Out-of-Network
$2,000/Member
$2,000/Member
$2,000/Member
$2,000/Member
None
None
None
None
70-100%
70-100%
70-100%
70-100%
70-100%
70-100%
70-100%
70-100%
50%
60%
50%
60%
Rate Guarantee
Active
Employee Only
Employee + 1 Dependent
Employee + 2 or More Dependents
Total Monthly Premium
Total Annual Premium
EE
199
116
159
474
RETIREES
50%
Child(ren) Only
$1,000
100%
$1,000/Member
100%
$1,000/Member
1 Year
1 Year
10/1/2013
$67.29
$132.73
$196.73
10/1/2014
$67.29
$132.73
$196.73
$60,067
$720,810
$60,067
$720,810
Not Covered
EE
78
73
4
155
10/1/2013
$65.09
$117.88
$169.52
10/1/2014
$65.09
$117.88
$169.52
$14,360
$172,324
$14,360
$172,324
© 2015 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
11
DISCLOSURES
This proposal is for information purposes only and does not amend, extend or alter the policy in any way. Please refer to the policy form for completed
coverage and exclusion information.
Alliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including
the types of income that Alliant may earn on a placement, are available on our website at www.alliantinsurance.com. For a copy of our policy or for
any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliant Insurance Services, Inc., Attention: General
Counsel, 701 B Street, 6th Floor, San Diego, CA 92101.
*Analyzing insurers' over-all performance and financial strength is a task that requires specialized skills and in-depth technical understanding of all
aspects of insurance company finances and operations. Insurance brokerages such as Alliant Insurance typically rely upon rating agencies for this type
of market analysis. Both A.M. Best and Standard and Poor's have been industry leaders in this area for many decades, utilizing a combination of
quantitative and qualitative analysis of the information available in formulating their ratings.
A.M. Best has an extensive database of nearly 6,000 Life/Health, Property Casualty and International companies. You can visit them at
www.ambest.com. For additional information regarding insurer financial strength ratings visit Standard and Poor's website at
www.standardandpoors.com.
To learn more about companies doing business in California, visit the California Department of Insurance website at www.insurance.ca.gov.
NY REGULATION 194 DISCLOSURE
Alliant Insurance Services, Inc. is an insurance producer licensed by the State of New York. Insurance producers are authorized by their license to
confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of
particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically
involves one or more of these activities
Compensation will be paid to the producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s)
the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may
vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors such
as the volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect
compensation.
The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of
insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part on any alternative quotes presented to
the purchaser by the producer, by requesting such information from the producer.
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San Francisco, CA 94111