Birdville ISD Benefits Committee Meeting 2020-2021 Plan Year 1
What is TRS ActiveCare TRS Medical and Birdville 2
What is TRS ActiveCare TRS ActiveCare is a self-funded medical plan. This means that TRS assumes the risk for claims; they cover the cost of claims directly via premiums paid by participants. If claims payouts are higher than premium income, TRS assumes that liability. 3
Recent History - TRS Medical and Birdville TRS OFFERS COMPETETIVE PLANS TRS administrative cost holds at 4% • Cost growth of claims has maintained a much lower curve than that of non-TRS plans. • 4
BISD SUMMARY - Comparison to TRS statewide as shown in TRS FY 2018 District Profile • Plan Enrollment - Higher than average enrollment in 1-HD; lower in all other plans (pg. 3) Membership type – same membership demographic as state (ee only, family, etc) (pg. • 3) • Plan pays out more for Birdville claims than the rest of the state (pg. 5) Chronic conditions, such as Hypertension, Diabetes, Lower back pain and Circulatory • disease, account for a large portion of claims. Birdville has on average a lower instance of these diseases, and yet the claims payouts are higher than the state average. (pg. 6) Birdville’s wellness utilization (cancer screenings, wellness visits, etc) is higher than • the state average. (pg. 7) • Inpatient admission and emergency room visits are lower than state average; total surgeries and urgent care are higher; these are cost savings. (pg. 7) 5
Recent History - TRS Medical and Birdville RECOMMENDATIONS TO HELP CONTAIN COSTS Enhanced Urgent Care Directory – TRS expanded the Urgent Care Network or providers • • Walk-in clinics in retailers – Retailers such as CVS offer stand alone walk in clinics available for vaccines and to treat minor illnesses, injuries, physicals, screenings and monitoring for chronic conditions. Walk in clinics are included in all network searches through the plan websites. Shop around with Concierge services and checking your in-network providers– by calling the plan • or providers, you can find the best pricing on the services you need, such as imaging and prescriptions. Don’t forget about TeleMed – either through the district's plan MD Live, or through a medical • plan, telehealth is a convenient, less expensive option for treatment of routine illness. 6
What’s new 2020-2021 Medical Plans Approved by TRS Board – Blue Cross Blue Shield and Scott and White HMO 7
What’s New 2020-2021- TRS Medical Plans TRS AWARDS MEDICAL CONTRACT – Blue Cross Blue Shield and Baylor Scott and White 8
What’s New 2020-2021- TRS Medical Plans TRS AWARDS MEDICAL CONTRACT – Blue Cross Blue Shield and Baylor Scott and White 9
What’s New 2020-2021- TRS Medical Plans TRS ActiveCare Rate Comparison 2019-2020 vs. 2020-2021 Plan Year 2019-2020 Plan Year 2020-2021 Plan Year Change Participation Total Monthly EE Monthly Total Monthly EE Monthly Difference Per ActiveCare Primary - New Plan Premiums Premium * Premiums Premium * Month from HD Participation Employee Only $386.00 $126.00 + $8.00 NA Employee & Spouse $1,089.00 $829.00 + $23.00 NA Employee & Child/ren $695.00 $435.00 - $27.00 NA Employee & Family $1,301.00 $1,041.00 - $114.00 NA Total Monthly EE Monthly Total Monthly EE Monthly Difference Per ActiveCare 1HD Premiums Premium * Premiums Premium * Month Participation Employee Only $378.00 $118.00 $397.00 $137.00 + $19.00 1206 Employee & Spouse $1,066.00 $806.00 $1,120.00 $860.00 + $54.00 55 Employee & Child/ren $722.00 $462.00 $715.00 $455.00 - $7.00 303 Employee & Family $1,415.00 $1,155.00 $1,338.00 $1,078.00 - $77.00 35 1599 Total Monthly EE Monthly Total Monthly EE Monthly Difference Per ActiveCare Primary+ (was Select) Premiums Premium * Premiums Premium * Month Participation Employee $556.00 $296.00 $514.00 $254.00 - $42.00 90 Employee & Spouse $1,367.00 $1,107.00 $1,264.00 $1,004.00 - 103.00 3 Employee & Child/ren $902.00 $642.00 $834.00 $574.00 - 68.00 51 Employee & Family $1,718.00 $1,458.00 $1,588.00 $1,328.00 - $130.00 2 146 Total Monthly EE Monthly Total Monthly EE Monthly Difference Per ActiveCare 2 Premiums Premium * Premiums Premium * Month Participation Employee Only $852.00 $592.00 $937.00 $677.00 + $85.00 57 Employee & Spouse $2,020.00 $1,760.00 $2,222.00 $1,962.00 + $202.00 2 Employee & Child/ren $1,267.00 $1,007.00 $1,393.00 $1,133.00 + $126.00 32 Employee & Family $2,389.00 $2,129.00 $2,627.00 $2,367.00 + $238.00 4 95 Total Monthly EE Monthly Total Monthly EE Monthly Difference Per HMO Scott & White Premiums Premium * Premiums Premium * Month Participation Employee $558.54 $298.54 $551.00 $291.00 - $7.54 32 Employee & Spouse $1,306.58 $1,046.58 $1,382.06 $1,122.06 + $75.48 0 Employee & Child/ren $876.76 $616.76 $883.50 $623.50 + $6.74 14 Employee & Family $1,457.28 $1,197.28 $1,478.56 $1,218.56 + $21.28 10 10 56 Total 1896 * includes $260 district contribution
What’s New 2020-2021- TRS Medical Plans Closed to New POTENTIAL ANNUAL OUT OF POCKET - assumes all services are in network Enrollments AC Primary+ (formerly Single Coverage AC Primary - New 1HD (PPO) Select) SWHMO AC2 (PPO) Annual Premium $1,512.00 $1,644.00 $3,048.00 $3,492.00 $8,124.00 Deductible $2,500.00 $2,800.00 $1,200.00 $950.00 $1,000.00 OPM $8,150.00 $6,900.00 $6,900.00 $7,450.00 $7,900.00 TOTAL COST $9,662.00 $8,544.00 $9,948.00 $10,942.00 $16,024.00 AC Primary+ (formerly Family Coverage AC Primary - New 1HD Select) SWHMO AC2 Annual Premium $12,492.00 $12,936.00 $15,936.00 $14,622.72 $28,404.00 Deductible $5,000.00 $5,600.00 $3,600.00 $2,850.00 $3,000.00 OPM $16,300.00 $13,800.00 $13,800.00 $14,900.00 $15,800.00 TOTAL COST $28,792.00 $26,736.00 $29,736.00 $29,522.72 $44,204.00 Deductible for each family member is at the single level, and will combine up to the family level. Note: these are examples for illustration purposes only. They are not a guarantee of benefits or costs. 11
What’s New 2020-2021- TRS Medical Plans Closed to New POTENTIAL SERVICE OUT OF POCKET - assumes all services are in network Enrollments AC Primary+ (formerly Single Coverage AC Primary - New 1HD (PPO) Select) SWHMO AC2 (PPO) Annual Premium $1,512.00 $1,644.00 $3,048.00 $3,492.00 $8,124.00 Wellness Visit $0.00 $0.00 $0.00 $0.00 $0.00 2 Doctor Visits ($200 ea) $60.00 $400.00 $60.00 $40.00 $400.00 2 preferred prescriptions $200 ea. $400.00 $400.00 $250.00 $225.00 $250.00 TOTAL COST $1,972.00 $2,444.00 $3,358.00 $3,757.00 $8,774.00 AC Primary+ (formerly Family Coverage AC Primary - New 1HD Select) SWHMO AC2 Annual Premium $12,492.00 $12,936.00 $15,936.00 $14,622.72 $28,404.00 4 Wellness Visit $0.00 $0.00 $0.00 $0.00 $0.00 5 Doctor Visits ($200 ea.) $150.00 $1,000.00 $150.00 $100.00 $1,000.00 4 preferred prescriptions $200 ea. $800.00 $800.00 $350.00 $345.00 $350.00 TOTAL COST $13,442.00 $14,736.00 $16,436.00 $15,067.72 $29,754.00 Deductible for each family member is at the single level, and will combine up to the family level. Note: these are examples for illustration purposes only. They are not a guarantee of benefits or costs. 12
Open Enrollment 2020-2021 Timeline and Resources 13
Open Enrollment 2020-2021- Timeline and Resources TIMELINE • Open enrollment is set from July 15 – August 11, 2020. Enrollment is active, but if an employee does not log into the HUB and elect benefits, the benefits they are currently enrolled in will remain the same. The HSA and ID Theft will roll to the new carrier. FSA/DCA must be re-elected, if not, they will discontinue. We encourage everyone to log in and confirm their elections, as well as beneficiaries. • OE presentation will be emailed to all active full time employees in May and be posted to the OE web page. • OE flyers will be mailed to all employees the first week of June; they will also be sent to all facilities to be posted. Email reminder of OE will be sent July 8 th (1 week before OE begins). • • District voice mail of OE will be sent July 15 th . • Additional email reminders will be sent every week to those who have not completed OE. • Final district voice mail of OE ending will go out August 5 th . • All OE changes (except life insurance undergoing approval) are effective 9/1 for existing employees and will reflect on employees 1 st paycheck of September. 14
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