Res. No. 127-04-11906MESOLUTION NO.
Pg. 2 of Res. No. 127-04-11906
� Sa ulb Miami `
CITY OF SOUTH MIAMI
P INTEROFFICE
r �,.
O Honorable r
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r
The attached resolution seeks approval from the City Commission issio for the City Manager to sign a one -year
contract with Avmed HealtliCare to provide health insurance coverage for City of South Miami's full
time employees.
�j
It is estimated that selection of a new carrier will result in projected annual savings of
approximately $52,222 in the next fiscal year's budget, without resulting in reduced benefits for
our employees.
Approval ♦ - •
'i i
City of South MiapW * Rorida 33143
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Signature / Print Name
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City of South Miamd
AvMed
l' e Cross / Blue Shield
NHP
United Health Care
Vista
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Insurance Committee Member
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Health Insurance Selection
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Insurance Committee Member
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Insurance Committee Member
Signature / Print Name
Health Insurance Selection
RITEVERM
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Insurance Committee Member
Signature / Print NWe
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I. Executive Summary
MEND =#a,, 4,11
V. Survey Results
IMAB404cw
Employee Benefits Consulting Group%ai,
Executive Summan
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 Neighborhood Health Partnership
Blue Cross/Blue Shield United HealthCare
CIGNA (incumbent) Vista
CIGNA has proposed a 40% rate increase. The primary factor behind this rate, increase
I
the claims experience. From 10/l/03-3/31/04 the City of South Miami had a 120.8% lo
ratio with CIGNA:
a) Premium from 10/l/03-3/31/04 $322A57
b) Claims paid from 10/l/03-3/31/04 $389,467
c) Loss ratio (b/a) 120 8%
During this time period there was one large individual claim of $120,608. It appears this
claim is no longer on-going.
From an underwriting perspective we feel that CIGNA's renewal is inapprop ere
r 119 employees enrolled in the group medical plan. At this size the claim
experience is not very "credible." In our opinion the City of South Miami should receive
a rate action that is more indicative of CIGNA's entire pool/book of business�
Three other vendors proposed viable alternatives to the City of South Miami (Av Med,
Humana, and Vista). These companies quoted plans that are competitive to the current
rate structure and the proposed benefits are comparable to the CIGNA program.
Here are some of the municipalities/government sector groups that each of these vendors
currently have as clients:
Av Med
Miami Dade County
City of Fort Lauderdale
M
Vista
Miami Dade County
Broward Sheriffs Office
City
• Hallandale
IODB404G�
Employee Benefits Consulting Group
We are also performed a Benefit Survey with other municipalities in Dade County similar
in size to the City of South Miami. This survey can be used to evaluate the current benefit
structure (the results are enclosed). The following municipalities participated in the
MOM
City of North Miami
City of North Miami Beach
Village of Pinecrest
City of Sunny Isles Beach
City
• Sweetwater
We appreciate the opportunity the City of South Miami has given us in regards to this
projecL 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.
2 Employee Benefits Consulting Group
Vendor Name Response
Aetna Submitted a proposal.
AvMed Submitted a proposal.
Wlue Crs lue Shield Submitted a propos
Humana Submitted a proposal.
Vista Submitted a proposal.
IE:IB4C4Vw
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Gross Monthly Premium
HMO
urgent CI NA
Av Mad
Employee only
$325.92
$289.04
Employee + child(ren)
$586.65
504.63
Employee +spouse
$651.83
$560.73
Employee + child(ren) + spouse
$977.74
$841.10
S
$612,938
$537,978
Employee only
$391.12
$355.91
Employee + child(ren)
$704.02
$621.37
Employee + spouse
$782.24
$690.46
Employee + child(ren) +'spouse
$1,173.36
$1,035.68
Monthly Employee Contributions
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Employee only
$0.00
$0.00
Employee + child(ren)
$260.73
$215.59
Employee + spouse
$325.91
$271.69
Employee + child(ren) + spouse
$651.82
$552.06
POS
Employee only
$65.20
$66.87
Employee + child(ren)
$378.10
$332.33
Employee + spouse
$456.32
$401.42
Employee + child(ren) + spouse
$847.44
$746.64
OS
Employee only
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5
Employee + child(ren)
2
2
Employee+ spouse
0
0
Employee + child(ren) + spouse
2
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Gross Annual Premium Costs
$612,938
$537,978
Annual Employee Contributions
110 435
$128,697
) Employer/City's Cos( -)
$461,503
$409,281
Savings City's Annual -• ,) $:
,TOTAL Employee Contribution Savings (AvlVled vs. CIGNA) ugizit
$74,960
Page 3 Employee Beneftts Consulting Group
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