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HomeMy WebLinkAboutJanuary 2007 • CITY OF OAK PARK HEIGHTS C1157 January 1 , 2007 Renewal • 8/8/2006 1:29 PM • South Central Region of the City, County, and Other Governmental Agency Service Cooperative January 1,2007 Renewal TABLE OF CONTENTS 1) Renewal Rates 2) Projected Renewal Year Claims and Renewal Development Summaries 3) Combined Experience Reports for Periods 1, 2, and 3 I 4) High Case Report 5) Component Summary Report 6) Utilization Graph I 7) Population Distribution Graph • 8) Age Distribution Graph 9) Claims Distribution Report 10) Miscellaneous I I 1 1 0 CO N_ CO S r) a i p C) O^ O • c o Eo N r) ° ° to v3,a N 0 N In O In ° CO N CO .O C E NI N ° t ° EOH = U O O a o 0 ,; ri °r• E x a EA o ,7, u C i , u c g z e ,n I 0 o e O w O 6 I N V a Q) Irv) I fic)Ea U• ° O CO N I U I y 1 U F V)LLQ Iis m U 3 0 o C O O 4E2 o ° G W W _ - a. 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Q a 4&0 0 0 0 0 0 0 0 0 O D a u,0 0 0 CI 0 0 0 CI 0 O 0 CC OS 0 0 0 0 0 0 0 0 0 0 O 000000000 0100000000 0 0000000 CD _ _ _ r N 6 o lt) 1t) m O lrj N Ui O t_O O tt') 0 11i N 1C) O 1r) lf)tt) O tt) C-1-1 ER 69 ffl N C7 O f!3 f+9 Ei? N u7 n fA 09 64 N t7 0 n fA Ffl fA 69 fH fH 09090969-0909 09096.9 AfHfH U • 2 a N N CO CO O O N CO ip- y BlueCross BlueShield I^CM V69 BluePlus of Minnesota Small Employer Survey Independent licensees of the Blue Cross and Blue Shield Association ■- 411 Date: Group Number: Group Name: The purpose of this survey is to determine if your business is currently in compliance with the Minnesota Small Employer Health Benefit Act. This law requires that we check an employer's status each year at their renewal. Please answer the questions listed below and follow the instructions at the bottom. If you have any questions,please call your agent or Blue Cross sales representative. Yes No ❑ ❑ 1. Is the headquarters of your business located in Minnesota? ❑ ❑ 2. Are all employees paid wages under your company's Federal Tax ID number? ❑ ❑ 3. Is Blue Cross Blue Shield of Minnesota or Blue Plus your company's only health care plan? ❑ ❑ 4. Our records indicate that your company is not a member of a controlled group. Is this correct?(If you are unsure,consult your accountant.) ❑ ❑ 5. Did you employ an average of 2 to 50 employees(including owners and partners) working 20 or more hours per week during the previous calendar year? • ❑ ❑ 6. Do at least 75% of the employees that your company has defined as eligible for coverage participate in this plan?Please note,to determine your participation level, do not include employees that have waived coverage due to coverage under another group health plan,MCHA, medical assistance(MA), General Assistance Medical Care, or Medicare Plans A and B. ❑ ❑ 7. Do you contribute at least 50% of each employee's(single coverage only) monthly health insurance cost? If you answered YES to all the questions, you need to take no further action.The payment of your premium constitutes no change in your employer status. If you answered NO to any of the questions, please fax the completed survey to (651) 662-7544 or mail it to: Blue Cross Blue Shield of Minnesota Small Group Underwriting, Route M3-40 PO Box 64560 St. Paul,Minnesota 55164-0560 All other questions about this renewal should be referred to your agent or Blue Cross sales representative. compliance A 10/07/02 9 Blue Cross leShl ,,,,,„., of Minnesota Blue Cross Small Group Thank you for renewing your health plan with Blue Cross Blue Shield of Minnesota. Effective with your I 2007 renewal, the following changes will be made to your employee's Summary Plan Description (SPD). Please contact your agent or Blue Cross sales representative if you have any questions regarding these changes. Please share applicable benefit changes with your employees. Legislative Changes and Annual Reminders Following is an annual reminder. • Annual Notification to Employees and Dependents who are Minnesota Comprehensive Health I Association (MCHA) Enrollees — Minnesota law requires employers to notify their employees who are covered by MCHA of their right to enroll in the group plan on the renewal date. The employee can choose to join the group plan or stay with MCHA. Please notify your employees and dependents with MCHA coverage about this option. If they want to apply, ask them to complete a health history application and mail it to Blue Cross immediately. Blue Cross will review the application and reserves the right to adjust your group rates. The applicant's coverage will be effective on your renewal date. Benefit Changes , 1 The following describes the benefit changes made by Blue Cross. These changes represent our commitment to remain competitive in both cost and plan design. ' • Office Visit Copay Increased (Applies to Plans 4 and 113) —The office visit copay will be increased from $15 to $20. I • Change to Aware Gold with Copay (Plan 4) — The in-network out-of-pocket maximum will be reduced from $2,500 to $1,500. In addition, the drug out-of-pocket will change from $500 per person 9 p 9 p p to $500 per person - $1,000 per family. • Lab and X-Ray Expenses Incurred in the Office and/or Hospital Outpatient - Will be reduced 0 80% Plans (Plans from 100/o coverage to 80/o after deductible on the CMM Deductible lans 11 120( 8, 120, 122 and 123). • Deductible and Out-of-Pocket Increases on the High Deductible Health Plans Compatible with HSAs (Plans 170, 172, 174, 176, 178 and 180) —An attractive feature of the HSA product is that the range for deductibles and out-of-pockets increase annually based on the Consumer Price Index (CPI) to keep pace with inflation. Please talk to your agent or sales representative for more information. • New High Deductible Health Plans Compatible with Health Saving Accounts — Now available with an embedded deductible option. The new Plans 175 and 181 will allow an individual deductible within a family deductible. • Prescription Drug Benefit Change (Plans 4, 113, 114, 118, 120, 122 and 123) —We are changing the prescription drug benefit to a three-tier benefit design, $0 Generic Copay/$35 Formulary Brand Copay/$50 NonFormulary Brand Copay with mandatory generic. 0, 41 • Maintenance Medications - For groups with standard 31 day drug supply, mail order allows up to a 90-day supply and copays are: Generics = $0 copay, Formulary Brand = $70 copay, Non Formulary Brand = $125. Maintenance medications can be filled through 90dayRx or by mail order. Please note: All changes identified in this bulletin are subject to regulatory approval.