Res. No. 135-08-12732RESOLUTION NO.: 135-08-12732
A RESOLUTION OF THE MAYOR AND CITY COMMISSION OF THE
CITY OF SOUTH MIAMI, FLORIDA, AUTHORIZING THE CITY
MANAGER TO RENEW THE CONTRACT WITH AVMED HEALTH
CARE TO PROVIDE GROUP HEALTH INSURANCE FOR CITY OF
SOUTH MIAMI FULL TIME EMPLOYEES; PROVIDING AN
EFFECTIVE DATE.
WHEREAS, the Agent of Record (Employee Benefits Consulting Group) secured 8
bids for the City's Group Health Insurance and recommended AvMed as the lowest responsive
bidder; and
WHEREAS, the City Commission compared the insurance rates, benefit plan designs,
provider network as well as our previous claims experience /ratio; and
WHEREAS, the City Commission wishes to renew Group Health Insurance with
AvMed offering Option I I to all full -time employees; and
WHEREAS, with the selection of AvMed Health Care, the designated Agent of Record
is Employee Benefits Consulting Group until contract expiration or until otherwise determined
by either party.
NOW THEREFORE BE IT RESOLVED BY THE MAYOR AND CITY
COMMISSION OF THE CITY OF SOUTH MIAMI, FLORIDA, THAT;
Section 1. The contract shall be effective October 1, 2008 and shall be renewable on an
annual basis.
Section 2. This engagement is at will and shall continue until either party terminates the
engagement by giving written notice to the other party. The City shall not be charged for agent of
record services; Employee Benefits Consulting Group shall be compensated by the insurer.
Section 3. This resolution shall take effect immediately upon approval.
PASSED AND ADOPTED this,day of _ 4 '2008.
ATTEST:
ITY CLERK
CITY Y
APPROVED:
MAYOR
Commission Vote:
4-0
Mayor Feliu:
Yea
Vice Mayor Beasley:
Yea
Commissioner Wiscombe:
absent
Commissioner Palmer:
Yea
Commissioner Beckman:
Yea
Oil
Subject: Health Insurance Resolution
I U 111
Request: The attached resolution seeks approval from the City Commission for the City Manager to
renew a one-year contract with Av Med Health Care to provide health insurance coverage
for the City of South Miami's full time employees.
Reason/Need: As with our standard policy for securing group health insurance provider, our
Agent of Record recommended that we seek bids from other carriers as well as
..alternative plan designs. Our Agent of Record, solicited bids from eight companies.
,
Bids were received from the following companies:
Following the receipt of the bids, Insurance Plan Review Committee was initiated.
The Committee consisted of representatives from AFSCME, PBA and general
employees. Several factors were determined to conclude that we should renew
with AVIVIED. These factors were: plan design, rates and provider network. Based
on all the information reviewed, the Committee recommended renewing with
AvMed Health Care offering a Triple Option Plan — Option 1, Option 11 and POS
Plan.
During the Insurance Workshop with the City Commission, the City Commission
concluded on AvMed as the proposed provider, but requested to bring forth the
difference in costs between Avmed's — Option I (High HMO) and Option 11 (Low
HMO). Following are the cost differences:
Cost: Option I (High HMO):
Employee Rate: $ 366-89
Total Cost per employee per month (@149 (Full Time Employees) = $54,666.61
Annual Premium $655,999.32
Option 11 (Low HMO):
Employee Rate: $ 357.80
Total Cost per employee per month (@149 (Full Time Employees) = $53,312.20
Annual Premium $639,746.40
The difference between Option I and Option 11 is $16,252.92 annually.
Backup Documentation:
U Agent of Record's analysis of bid packages and options.
KIM
Employee Benefits Consulting Group
July 24, 2008
Ms. Jeanette Navarro
Human Resource Manager
City of South Miami
6130 Sunset Drive
South Miami, Florida 33143
Re: Dental Insurance
Dear Jeanette:
Here are the renewal rates for the dental and vision insurance. CornpBenefits has agreed to a 2
year rate guarantee. The renewal rates will be valid from 10/1/08-9/30/10:
-Dental HMO Renewal I Rates
Employee only $22.46
Employee + child(ren) $45.16
Employee + spouse $45.70
Employee + child(ren) + spouse $74.06
Dental PPO
Employee only
$34.96
Employee + child(ren)
$78.62
Employee + spouse
$70.54
Employee + child(ren) + spouse
$126.02
Vision
Employee only $6.50
Employee + child(ren) $12.36
Employee + spouse $13.00
Employee + child(ren) + spouse $25.58
The City can keep their monthly contribution toward dental coverage @ $11.36/employee. The
vision plan would continue to be 100% employee paid.
12525 Orange Drive, Suite 703 - Davie, Florida 33330
Phone: (954) 473-1034 - Fax: (954) 473-0146 - Web: http://www.ebcg.net
Please call me if you have any questions or concerns. I look forward to discussing this in further
detail.
Sincerely,
Gene Baynon
Principal
GB/jc
,dome" IdOMWAM
Employee Benefits Consulting Group
Off
I. Executive Summary
11. Proposed Medical Rates
III. I-IN40 Benefit Comparison
IV- POS Benefit Comparison
V. AvMed Renewal Alternative
IE9404(:'m`-
Employee Benefits Consulting Group
Attached is our analysis of the medical proposals that we received on behalf of the City
of South Miami. We approached the following vendors in regards to this project:
Aetna Humana
Av Med (incumbent) Neighborhood Health Partnership
Blue Cross/Blue Shield United HealthCare
CIGNA Vista
We have negotiated a 5.5% rate increase with AvMed (without any plan design changes).
From 2/1/07-1/31/08 the City of South Miami had an 84.4% loss ratio with AvMed (i.e.
for every $1.00 of premium AvMed paid $.84 in claims). During this time period the City
had $543,300 in claims vs. $644,013 in premium.
As a renewal alternative the rate increase can be reduced to 29% if the City makes the
following changes to I the prescription drug plan:
Current Copqy Alternative Copay
Generic $15 $20
Brand Formulary $30 $40
Brand Non- Formulary $50 $60
We appreciate the opportunity the City of South Miami has given us in regards to this
project. Employee Benefits Consulting Group is prepared to assist the City of South
Miami in managing healthcare costs while still maintaining the integrity of the benefits
package.
Employee Benefits Consulting Group
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