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Res No 096-21-15716RESOLUTION NO. 096-21 -1571 6 A Resolution authorizing the City Manager to purchase dental and vision insurance benefits from Humana for full-time employees and participating retirees for the 2021-2022 Fiscal Year. WHEREAS, the City, through its Agent of Record, Brown and Brown of Florida, solicited more than three quotes, compared the insurance rates, dental and vision plan design, provider network, as well as the City's previous claims experience/ratio; and WHEREAS, City staff recommend the selection of Humana for the provision of dental and vision insurance benefits for all full-time employees and participating retirees; and WHEREAS, the premium shall be charged to departmental line items in their respective account number. NOW THEREFORE, BE IT RESOLVED BY THE MAYOR AND CITY COMMISSIONERS OF THE CITY OF SOUTH MIAMI, FLORIDA: Section 1. The foregoing recitals are hereby ratified and confirmed as being true and they are incorporated into this resolution by reference as if set forth in full herein. Section 2. The Commission hereby authorized the City Manager to execute the dental and vision insurance renewal policy with Humana for the City of South Miami full time employees and participating retirees for the 2021-2022. Section 3. Corrections. Conforming language or technical scrivener -type corrections may be made by the City Attorney for any conforming amendments to be incorporated into the final resolution for signature. Section 4. Severability. If any section clause, sentence, or phrase of this resolution is for any reason held invalid or unconstitutional by a court of competent jurisdiction, the holding shall not affect the validity of the remaining portions of this resolution. Section 5. Effective Date. This resolution shall become effective immediately upon adoption. PASSED AND ADOPTED this 17a' day of Au ust, 2021. ATTEST: APPROVED: << CITY 13LERK JdAYOR READ AND APPROVED AS TO FORM, LANGUAGE. LEGALITY AND I_1 COMMISSION VOTE: 5-0 Mayor Philips: Yea Commissioner Corey: Yea Commissioner Harris: Yea Commissioner Liebman: Yea Commissioner Gil: Yea Agenda item No:7. City Commission Agenda item Report Meeting Date: August 17, 2021 Submitted by: Samantha Fraga-Lopez Submitting Department: Human Resources Item Type: Resolution Agenda Section: Subject: A Resolution authorizing the City Manager to purchase dental and vision insurance benefits from Humana for full-time employees and participating retirees for Fiscal Year 2021-2022. 3/5 (City Manager) Suggested Action: Attachments: Memo Vision and Dental 21-22.docx Reso Dental and Vision 21-22.doc 21-22 Vision Comparison.pdf 21-22 Dental Comparison.pdf CITY OF SOUTH MIAMI South Miami OFFICE OF THE CITY MANAGER THE CITY OF PLEASANT LIVING INTER -OFFICE MEMORANDUM TO: The Honorable Mayor & Members of the City Commission FROM: Shari Kamali, City Manager VIA: Samantha Fraga-Lopez, Assistant City Manager DATE: August 17, 2021 SUBJECT: A Resolution authorizing the City Manager to purchase dental and vision insurance benefits from Humana for full-time employees and participating retirees for Fiscal Year 2021-2022. BACKGROUND: The City's benefits consultant, Brown and Brown of Florida, Inc., solicited quotes from Humana, MetLife, Aetna, Cigna, Florida Blue, and Guardian for the employee's dental and vision insurance coverages for South Miami full-time employees and retirees for the 2021— 2022 Fiscal Year. Humana, the City's current dental and vision insurance carrier's renewal rate represented a 0% increase from last year's rate for the DHMO dental plan offered by the City. The dental PPO, which can be elected at the employees' expense, was quoted at a $3.31 monthly increase. The City currently contributes $8.49 per eligible employee, per month, toward dental insurance coverage and vision is voluntarily paid by the employee. Humana's vision plan is on a two (2) year rate guarantee, therefore there is no increase for FY 21-22. The Humana plans provide the best coverage including rates, and co -pays. The renewal is appropriately funded in the proposed budget for Fiscal Year 2021-2022. RECOMMENDATION: Based upon the proposals received, Brown and Brown and City Staff recommend the City renew with the current Humana carrier for dental and vision insurances. AMOUNT: The estimated total annual premiums cost for dental benefits paid by the City is about $12,300 based on today's full-time personnel. ACCOUNT: Premium charges for the health will be charged to the designated departmental budget line items as proposed in the Fiscal Year 2021-2022 budget. ATTACHMENTS: Proposed resolution Comparison Vision Comparison Dental 2 October 2021 Vision Comparison for City of South Miami Fcarrier Network Provider Network Status Eye Care Wellness Eye Exam Frequency Lenses Single Vision Bifocals Trifocal Frequency Frames Selected Frames Frequency Contacts Medically Necessary Elective Contacts Contribution Type Part ici ation Requirements Rate Guarantee Employee Employee + Spouse Employee + Child Family Monthly Total Annual Total % Change in Total Annual Premium $ Change in Monthly Premium by Plan $ Change in Total Annual Premium 51 12 14 E eMed In -Network OON $0 Copay up to $30 Every 12 Months Reimbursement $0 Copay up to $25 $0 Copay up to $40 $0 Copay up to $60 Every 12 Months Reimbursement $200 allowance + up to $100 20 /o discount over Every 24 Months Reimbursement 100% up to $210 $200 allowance up to $160 Voluntary Expires 9/30/2022 $7.13 $14.26 $15.27 $23.01 $909.60 $10,915.20 51 12 14 In -Network OON $0 Copay up to $45 Every 12 Months Reimbursement $0 Copay up to $30 $0 Copay up to $50 $0 Copay up to $_65 Every 12 Months Reimbursement $ 200 allowance + up to $70 20 /° discount over Every 24 Months Reimbursement 100% up to $210 $200 allowance up to $105 Contributory 68% 24 Months $9.12 $18.25 $19.54 $29.44 $1,163.76 $13,965.12 27.94% $254.16 $3,049.92 Declined to Quote Rates shown are based on census data provided. Final rates are subject to underwriting and actual enrollment. This comparison is for r ii�ur��ra illustrative purposes only. The full policy and certificate of coverage will supersede any and all materials provided herein. Page t of 5 October 2021 Vision Comparison for City of South Miami Network Provider Network Status Eye Care Wellness Eye Exam Frequency Lenses Single Vision Bifocals Trifocal Frequency Frames Selected Frames Frequency Contacts Medically Necessary Elective Contacts Contribution Type Participation Requirements Rate Guarantee Employee Employee + Spouse Employee + Child Family Monthly Total Annual Total % Change in Total Annual Premium $ Change in Monthly Premium by Plan $ Chan a in Total Annual Premium 51 12 14 E eMed In -Network OON $0 Copay up to $30 Every 12 Months Reimbursement $0 Copay up to $25 $0 Copay up to $40 $0 Copay up to $60 Every 12 Months Reimbursement $2000 allowance + up to $100 20 /o discount over Every 24 Months Reimbursement 100% up to $210 $200 allowance up to $160 Voluntary Expires 9/30/2022 $7.13 $14.26 $15.27 $23.01 $909.60 $10,915.20 l Not Quoted Florida Not Quoted Rates shown are based on census data provided. Final rates are subject to underwriting and actual enrollment. This comparison is for illustrative purposes only. The full policy and certificate of coverage will supersede any and all materials provided herein. Page 2 of 5 October 2021 Vision Comparison for City of South Miami Network Provider Network Status Eye Care Wellness Eye Exam Frequency Lenses Single Vision Bifocals Trifocal Frequency Frames Selected Frames Frequency Contacts Medically Necessary Elective Contacts Contribution Type Partici ation Requirements Rate Guarantee Employee Employee + Spouse Employee + Child Family Monthly Total Annual Total % Change in Total Annual Premium $ Change in Monthly Premium by Plan $ Change in Total Annual Premium 51 14 EyeMed In -Network OON $0 Copay up to $30 Every 12 Months Reimbursement $0 Copay up to $25 $0 Copay up to $40 $0 Copay up to $60 Every 12 Months Reimbursement $ 200 allowance + up to $100 20 /o discount over Every 24 Months Reimbursement 100% up to $210 $200 allowance up to $160 Voluntary Expires 9/30/2022 $7.13 $14.26 $15.27 $23.01 $909.60 $10,915.20 Guardian Not Quoted Declined to Quote Rates shown are based on census data provided. Final rates are subject to underwriting and actual enrollment. This comparison is for In illustrative purposes only. The full policy and certificate of coverage wip supersede any and all materials provided herein. Page 3 of 5 October 2021 Vision Comparison for City of South Miami Network Provider Network Status Eye Care Wellness Eye Exam Frequency Lenses Single Vision Bifocals Trifocal Frequency Frames Selected Frames Frequency Contacts Medically Necessary Elective Contacts Contribution Type Participation Requirements Rate Guarantee Employee Employee + Spouse Employee + Child Family Monthly Total Annual Total % Change In Total Annual Premium $ Change in Monthly Premium by Plan $ Change In Total Annual Premium 51 12 14 EyeMed In -Network OON $0 Copay up to $30 Every 12 Months Reimbursement $0 Copay up to $25 $0 Copay up to $40 $0 Copay j up to $60 Every 12 Months Reimbursement $200 allowance + up to $100 20 /o discount over Every 24 Months Reimbursement 100% up to $210 $200 allowance up to $160 Voluntary Expires 9/30/2022 $7.13 $14.26 $15.27 $23.01 $909.60 $10,915.20 Mutual of Omaha Declined to Quote Standard Declined to Quote IM Rates shown are based on census data provided. Final rates are subject to underwriting and actual enrollment. This comparison is for r c�aaa rwtira illustrative purposes only. The futl policy and certificate of coverage will supersede any and all materials provided herein. page 4 of 5 October 2021 Vision Comparison for City of South Miami Network Provider Network Status Eye Care Wellness Eye Exam Frequency Lenses Single Vision Bifocals Trifocal Frequency Frames Selected Frames Frequency Contacts Medically Necessary Elective Contacts Contribution Type Participation Requirements Rate Guarantee Employee Employee + Spouse Employee + Child Family Monthly Total Annual Total Change in Total Annual Premium $ Change in Monthly Premium by Plan $ Change in Total Annual Premium 51 12 14 EyeMed In -Network OON $0 Copay up to $30 Every 12 Months Reimbursement $0 Copay up to $25 $0 Copay up to $40 $0 Copay up to $60 Every 12 Months Reimbursement $2000 allowance + up to $100 20 /o discount over Every 24 Months Reimbursement 100 % up to $210 $200 allowance up to $160 Voluntary Expires 9/3012022 $7.13 $14.26 $15.27 $23.01 $909.60 $10,915.20 UnitedHealthcare Rates shown are based on census data provided. Final rates are subject to underwriting and actual enrollment. This comparison is for W illustrative purposes only. The full policy and certificate of coverage will supersede any and all materiels provided herein. Page 5 of 9 October 2021 Dental Comparison for City of South Miami Plan Name Provider Acess Benefit Description Preventive (Class 1) Basic (Class II) Major Class III Maximum Annual Benefit Deductible (IndividuallFamily) Deductible Waived - Class I Orthodontia (coverage/lifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning - 1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Requirement Waiting Period Major Services Rate Guarantee Employee Employee + Spouse Employee + Children) Family Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change in Total Annual Premium $ Change in Total Annual Premium 37 6 5 2 Humana Humana DMO HD205 OR PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Expires 9/30/21 Expires 9/30/21 Current Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 $38,609.28 37 6 5 2 Humana Humana DMO HD205 OR PPO In Network Only -Network Out of Network -In n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None 12 Months Renewal 12 Months Renewal $8.49 34 $36.70 $16.98 3 $76.60 $19.11 4 $86.33 $30.74 8 $135.43 $573.04 $2,906.36 $3,479.40 $41,752.80 0.0% 9.9% $0.00 $261.96 $261.96 8.1 % $ 3,143.52 0 Information shown is based on census data provided. For illustrative purposes only. The cer ificale of coverage, final rates, and final enrollment wll supersede any and all materials provided herein. Page 1 10 October 2021 Dental Comparison for City of South Miami Plan Name Provider Acess Benefit Description Preventive (Class I) Basic (Class II) Major Class III Maximum Annual Benefit Deductible (individual/Family) Deductible Waived - Class I Orthodontia (coverage/lifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning - 1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Requirement Waiting Period Major Services Rate Guarantee Employee Employee + Spouse Employee + Child(ren) Family Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change In Total Annual Premium $ Change in Total Annual Premium 37 6 5 2 Humana DMO HD205 OR Humana PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 60% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Expires 9/30/21 Current Expires 9/30/21 Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 $38,609.28 37 6 5 2 DMO MET290 PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited $5.000 $5,000 n/a $50/$150 $50/$150 n/a Yes Yes $2,680 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% $5 100% 100% No Charge 100% 100% $5 80% 80% $265 80% 80% $50 per quad 80% 80% $440 50% 50% $290 50% 50% Contributory Contributory 10 enrolled 5 enrolled None 12 Months 12 Months $11.76 34 $34.43 $20.58 3 $71.88 $24.69 4 $81.00 $34.68 8 $127.07 $751.41 $2,726.82 $3,478.23 $41,738.76 31.1 % 3.1 % $178.37 $82.42 $260.79 8.1 % $3,129.48 Information shown is based on census data provided. For illustrative purposes only. The cerlificate of coverage, final rates, and final enrollment wll supersede any and all materials provided herein. Page 2 11 October 2021 Dental Comparison for City of South Miami Carrier Plan Name Provider Acess Benefit Description Preventive (Class 1) Basic (Class 11) Major Class III Maximum Annual Benefit Deductible (Individual/Family) Deductible Waived - Class I Orthodontia (coverage/lifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning - 1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Re uirement Waiting Period Major Services Rate Guarantee Employee Employee + Spouse Employee + Child(ren) Family Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change In Total Annual Premium $ Change in Total Annual Premium 37 6 5 2 Humana Humana DMO HD205 OR PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Ex ires 9/30/21 Expires 9/30/21 Current Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 _ $38,609.28 Cigna 0 Information shown is based on census data provided. For illustrative purposes only. The certificate of coverage, final rates, and final enrollment wit supersede any and all materials provided herein. Page 312 October 2021 Dental Comparison for City of South Miami Plan Name Provider Acess Benefit Description Preventive (Class 1) Basic (Class II) Major Class III Maximum Annual Benefit Deductible (Individual/Family) Deductible Waived - Class I Orthodontia covers ellifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning - 1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Requirement Waiting Period Major Services Rate Guarantee Employee Employee + Spouse Employee + Child(ren) Family Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change in Total Annual Premium $ Change in Total Annual Premium 37 6 5 2 Humana DMO HD205 OR Humana PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Expires 9/30/21 Expires 9/30/21 Current Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 $38,609.28 Florida Blue MM Guardian VINIA Information shown is based on census data provided. For illustrative purposes only. The cortifikato of coverage, final rates, and final enrollment wll supersede any and all materials provided herein. Page 4 13 October 2021 Dental Comparison for City of South Miami Carrier Plan Name Provider Acess Benefit Description Preventive (Class 1) Basic (Class II) Major Class III Maximum Annual Benefit Deductible (Individual/Family) Deductible Waived - Class I Orthodontia (coverage/lifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning -1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Requirement Waiting Period Major Services Rate Guarantee Employee 37 Employee + Spouse 6 Employee + Child(ren) 5 Family 2 Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change in Total Annual Premium $ Change in Total Annual Premium Humana Humana DMO HD205 OR PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Expires 9/30/21 Expires 9/30/21 Current Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 $38,609.28 Mutual of Omaha Declined Quote 0 Information shown is based on census data provided. For illustrative purposes only. The certificate of coverage, final rates, and final enrollment wll supersede any and all materials provided herein. Page 514 October 2021 Dental Comparison for City of South Miami Carrier Plan Name Provider Acess Benefit Description Preventive (Class 1) Basic (Class II) Major Class III Maximum Annual Benefit Deductible (Individual/Family) Deductible Waived - Class I Orthodontia (coverage/lifetime max Reimbursement Schedule Benefits Routine Exams - 9430 Teeth Cleaning - 1110 Full Mouth/Panoramic X-rays - 0330 Simple Extractions - 7111 Root Canal (Endodontics) - 3330 Perio. Scaling/Root Planning - 4341 Full or Partial Dentures - 5110 Crowns - 6752 Employer Contribution Minimum Participation Requirement Waiting Period Major Services Rate Guarantee Employee Employee + Spouse Employee + Child(ren) Family Monthly Premium By Product Total Monthly Premium Total Annual Premium % Change in Monthly Premium by Plan $ Change in Monthly Premium by Plan $ Change in Total Monthly Premium % Change in Total Annual Premium $ Change in Total Annual Premium 37 6 5 2 Humana Humana DMO HD205 OR PPO In Network Only In -Network Out of Network n/a 100% 100% n/a 80% 80% n/a 50% 50% Unlimited Unlimited Unlimited n/a $50/$150 $50/$150 n/a Yes Yes $2,650 Child & Adult $1,000 Child Only $1,000 Child Only Fee Schedule Fee Schedule MAC No Charge 100% 100% No Charge 100% 100% No Charge 100% 100% No Charge 80% 80% $250 80% 80% $55 per quad 80% 80% $375 50% 50% $270 50% 50% Contributory Contributory None None Expires 9/30/21 Expires 9/30/21 Current Current $8.49 34 $33.39 $16.98 3 $69.70 $19.11 4 $78.55 $30.74 8 $123.23 $573.04 $2,644.40 $3,217.44 $38,609.28 Standard Declined UnitedHealthcare 0 Information shown is based on census data provided. For illustrative purposes only. The certifrcato of coverage, final rates, and final enrollment wit supersede any and all materials provided herein. Page 615