Ventura County Community College District Board Meeting Benefits - PowerPoint PPT Presentation

Ventura County Community College District Board Meeting – Benefits Committee Update March 19, 2019 1

Agenda Benefits Committee Update 1. Data Corrections 2. Current Plans & Rates 3. School Pools Review 4. CalPERS Analysis 2

Data Corrections: Process RESULTS AFT - 105 Corrections ASCC - 58 Corrections

Data Corrections: Results ASCC # ENROLLED FACULTY # ENROLLED Anthem Blue Cross PPO Anthem Blue Cross PPO Active Admin & Mgmt 47 Active Employees 341 Active Classified 289 Retirees Under Age 65 19 Retirees Under Age 65 60 Retirees Over Age 65 Retirees Over Age 65 With Medicare A&B 161 With Medicare A&B 227 With Medicare A Only 80 With Medicare A Only 58 With No Medicare 53 With No Medicare 14 TOTAL Retirees Over Age 65 TOTAL Retirees Over Age 65 294 299

Current Plans: Anthem Anthem Blue Cross Anthem Blue Cross Faculty ASCC Deductible * In-Network In-Network Individual $200 $200 Family $600 $600 Out of pocket maximum (coinsurance) Individual $1,500 $1,700 Family $4,500 $5,100 Out of pocket maximum (deductibles & copays) Individual N/A N/A Family N/A N/A Coinsurance (plan pays) 80% 80% Office visit copay (PCP / specialist) 80% $20 Hospital coinsurance / copay Inpatient No Charge No Charge Outpatient surgery No Charge No Charge Lab and X-ray No Charge No Charge Emergency services copay No Charge $100 *$ Urgent care copay 80% $20 Durable medical equipment 80% 80% Prescription drugs Brand/Specialty Deductible Brand Name $50/member Brand Name $100/member RX Copay 30 day supply $10/$30 $10/$30/$50 30 day supply of Maintenance Medication af $10/$30 $10/$30/$50 Mail order - 90 day supply $20/$60 $20/$60/$100 RX Out of pocket maximum Individual None $750 Family None $1,500 Home Delivery $500/$1,000 N/A 5 Virt

Current Plans: Kaiser Kaiser Kaiser Current Current Faculty ASCC Deductible Individual none none Family none none Out of pocket maximum Individual $1,500 $1,500 Family $3,000 $3,000 Office visit copay (PCP / specialist) $15 / $15 $20 / $30 Inpatient 100% 100% Outpatient surgery $15 Copay $20 Copay Lab and X-ray 100% 100% Emergency services copay $50 Copay $100 Copay Urgent care copay $15 Copay $20 Copay Durable medical equipment 100% 100% Prescription drugs Formulary traditional traditional Deductible none none Generic $5 $10 Brand name $10 $20 Non formulary N/A N/A Specialty $10 $20 100 Day Supply 30 Day Supply 6

Anthem: VCCCD Historical Renewals 7

School Pools Review: Tenure & Size Pool Name Year Established # of Entities in Pool Types of Entities CalPERS 1962 1200 (154)* Public Agencies, K-12, Community College Districts, Universities SISC 1978 431 K-12 School Districts, Community College Districts CVT 1984 236 K-12 School Districts, Community College Districts ASCIP 1980 61 K-12 School Districts, Community College Districts CSEBA 1986 49 K-12 School Districts, Community College Districts VEBA 1990 65 Public Agencies, K-12 School Districts, Community College Districts State of California K-12 Districts = 1,026 Community Colleges = 114 TOTAL = 1,140 of which 821 are offering health insurance through CalPERS, SISC, and CVT *154 of 1200 CalPERS Health contracts are schools

School Pools Review: Eligibility Rules CalPERS SISC CVT CSEBA VEBA Full-time employees cannot opt out of Dental, Vision, and Life. Medical Full-time employees opt-out is allowable but cannot opt out. Existing Yes, only if plan district assessed a penalty Active Opt Outs? Yes opt-outs may be Yes not covered in equivalent to single grandfathered. Must have full by the district Anchor Bronze rate per union representation. FTE opting out. Existing opt-outs may be grandfathered. CalPERS SISC CVT CSEBA VEBA Required to enroll in Medicare Parts A & B. Required to enroll in Failure to obtain both Required to enroll in Medicare Parts A & B, Medicare Parts A and Retirees & Medicare Parts A & B, Required to enroll in Required to enroll in otherwise pay a B will result in the Medicare unless ineligible for Medicare Parts A & B. Medicare Parts A & B. penalty for non- disqualification from free Part A. enrollment. eligibility to participate in CVT health plans.

School Pools Review: Why review CalPERS? 1. Burnham discussed VCCCD with CalPERS and they agreed to make an exception for those retirees without Part B, allowing them to come onto the active plan until they are enrolled in Part B. CalPERS will allow them to stay on the Active plan for 1 year before they enforce the Part B requirement. 2. Burnham was not able to calculate the expected premium with CalPERS without having completed the data clean-up which required over 150 adjustments to reflect proper enrollment. Without having taken that step, the CalPERS premium calculation would not have been accurate. 3. There is substantial premium savings with CalPERS.

CalPERS: Overview 7 3 6 Largest medical insurance pool in California: 1.4 million individuals currently enrolled in CalPERS medical plans Rating Region: Los Angeles, San Bernardino, Ventura 11

CalPERS: Anthem – Current vs CalPERS Ventura County Community College District CalPERS Medical Renewal - PPO Plans (B) January 1, 2019 Anthem Blue Cross Anthem Blue Cross CalPERS CalPERS CalPERS Faculty ASCC PERS Select PERS Choice PERS Care Deductible * In-Network In-Network In-Network In-Network In-Network Individual $200 $200 *$1,000 1 *$500 *$500 Family $600 $600 *$2,000 1 *$1000 *$1000 Out of pocket maximum (coinsurance) Individual $1,500 $1,700 $3,000 $3,000 $2,000 Family $4,500 $5,100 $6,000 $6,000 $4,000 Out of pocket maximum (deductibles & copays) Individual N/A N/A $2,900 $2,900 $3,900 Family N/A N/A $5,800 $5,800 $7,800 Coinsurance (plan pays) 80% 80% 80% 80% 90% Office visit copay (PCP / specialist) 80% $20 *$35 2 / $35, ded waived *$20 / $35, ded waived *$20 / $35, ded waived Hospital coinsurance / copay Inpatient No Charge No Charge ded, 80% ded, 80% *$250, ded, 90% Outpatient surgery No Charge No Charge ded, 80% ded, 80% ded, 90% Lab and X-ray No Charge No Charge ded, 80% ded, 80% ded, 90% Emergency services copay No Charge $100 *$50, ded, 80% (waived if admitted) $50*, ded, 80% (waived if admitted) *$50*, ded, 90% Urgent care copay 80% $20 *$35, ded waived *$35, ded waived *$35, ded waived Durable medical equipment 80% 80% ded, 80% ded, 80% ded, 90% Prescription drugs Brand/Specialty Deductible Brand Name $50/member Brand Name $100/member none none none RX Copay 30 day supply $10/$30 $10/$30/$50 $5 / $20 / $50 $5 / $20 / $50 $5 / $20 / $50 30 day supply of Maintenance Medication af $10/$30 $10/$30/$50 $10 / $40 / $100 $10 / $40 / $100 $10 / $40 / $100 Mail order - 90 day supply $20/$60 $20/$60/$100 $10 / $40 / $100 $10 / $40 / $100 $10 / $40 / $100 RX Out of pocket maximum Individual None $750 $2,000 $2,000 $2,000 Family None $1,500 $4,000 $4,000 $4,000 Home Delivery $500/$1,000 N/A $1,000 $1,000 $1,000 1 Five credits available to reduce deductible to $500 Individual / $1 ,000 Family (Flu Shot, Biometric Screening, Non-Smoking Certification, Virtual Second Opinion, ConditionCare Certification) 2 Copay reduced to $1 0 if enrolled with PPO Primary Care Physician 12

CalPERS: Kaiser – Current vs CalPERS Kaiser Kaiser Kaiser Current Current CalPERS Faculty ASCC CalPERS Plan Deductible Individual none none none Family none none none Out of pocket maximum Individual $1,500 $1,500 $1,500 Family $3,000 $3,000 $3,000 Office visit copay (PCP / specialist) $15 / $15 $20 / $30 $15 / $15 Inpatient 100% 100% 100% Outpatient surgery $15 Copay $20 Copay $15 Copay Lab and X-ray 100% 100% 100% Emergency services copay $50 Copay $100 Copay $50 Copay Urgent care copay $15 Copay $20 Copay $15 Visit Durable medical equipment 100% 100% 100% Prescription drugs Formulary traditional traditional traditional Deductible none none none Generic $5 $10 $5 Brand name $10 $20 $20 Non formulary N/A N/A N/A Specialty $10 $20 $20 100 Day Supply 30 Day Supply 30 Day Supply 13

CalPERS: Anthem – Current vs CalPERS Ventura County Community College District CalPERS Medical Renewal - PPO Plans (B) January 1, 2019 Anthem Blue Cross Anthem Blue Cross CalPERS CalPERS CalPERS Faculty ASCC PERS Select PERS Choice PERS Care $1,685.82 1 $2,008.74 $1,743.44 Current Rates $840.67 1 $1,307.65 1 Proj. Renewal Rates $2,129.26 2 $1,848.05 2 1 Composite rate generated based on current Anthem enrollment by dependent tier. CalPERS rates are 3-tier n) in actuality. 2 Renewal rate estimated based on 6% anthem renewal increase. Final rates are pending. 14

CalPERS: Kaiser – Current vs CalPERS Kaiser Kaiser Kaiser Current Current CalPERS Faculty ASCC CalPERS Plan Deductible $1,076.75 1 Current Rates Current Rates $1,353.76 $1,277.32 Renewal Rates $1,425.66 $1,345.16 1 Composite rate generated based on current Kaiser enrollment by dependent tier. CalPERS rates are 3-tier in actuality. 15