2017-2018 Medical Plan Recommendations

2016-2017 Medical Plan Review Continue to align benefits and premiums to meet or exceed those of TRS-Care and remain competitive Zero premium increase for the Basic and High Deductible Plans Premium increase of $30-$50/month and deductible increase from $300 to $750 for the Core Plan only.

2016-2017 Statistics Core Plan expenditures were 89% greater than revenue generated by premiums Basic and High Deductible Plan performed below the revenue generated by premiums Spouse claims increased 50.9% and dependent claims increased 58.2% in 2015-2016. Both continue to increase in current year. For the 2016-2017 plan year, there are 3 participants with claims over $150,000

2017-2018 Recommendations Zero premium increases for Basic and High Deductible Plans Increase the Core premiums by 15% Increase the HDP Plan deductibles: Individual deductible from $2,200 to $2,500 Family deductible to $4,400 to $5,000 Increase out-of-pocket maximums for all plans: Network providers from $6,250 to $7,000 Out-of-network providers from $12,500 to $14,000

2017-2018 Recommendations Implement a $100/month spousal surcharge for spouses who have coverage through their employer but elect to enroll in the district’s insurance Add a telemedicine option for medical plan participants Continue to provide the PHA participation incentive, reducing the premium cost $25 per month for an employee and $50 per month for employee/spouse or employee/family

2017-2018 Recommendations Increase the Dental High Plan premiums by 9% Decrease the Dental Low Plan premiums by 10% Basic Life Insurance paid by the District will increase by $24,500 annually

2017-2018 Proposed Premiums Zero increase to premiums for the Basic Plan and High Deductible Plan

2017-2018 Proposed Premiums Core Plan with PHA 2016-2017 Premium 2016- 2017 Premium with $325 District Contribution and PHA Incentive 2017-2018 Proposed Premium 2017-2018 Proposed Monthly Premium with $325 District Contribution and PHA Incentive 2017-2018 Monthly Increase Employee $ 723.00 $ 373.00 $ 831.00 $ 481.00 $108.00 Employee + Spouse $ 1,519.00 $ 1,144.00 $ 1,747.00 $ 1,372.00 $228.00 Employee + Child(ren) $ 1,265.00 $ 915.00 $ 1,455.00 $ 1,105.00 $190.00 Employee + Family $ 1,803.00 $ 1,428.00 $ 2,073.00 $ 1,698.00 $270.00   Core Plan without PHA 2016- 2017 Premium with $325 District Contribution and PHA Incentive 2017-2018 Proposed Premium with $325 District Contribution and PHA Incentive $ 398.00 $ 506.00 $ 1,194.00 $ 1,422.00 $ 940.00 $ 1,130.00 $ 1,478.00 $ 1,748.00

Surrounding District Contributions   District Plan Year Contribution Active-Care Lewisville ISD – ActiveCare 3 2016-2017 $356.00 Yes Lewisville ISD – ActiveCare 2 $348.00 Northwest ISD $325.00 No Garland ISD Irving ISD Carroll ISD $290.00 Grapevine-Colleyville ISD $285.00 Keller ISD $275.00 Lewisville ISD – ActiveCare 1 $266.00 Carrollton-Farmers Branch $262.00 Birdville $260.00 Denton Plano $259.00 Lewisville ISD – ActiveCare 1HD $245.00 Eagle Mountain Saginaw $225.00 HEB ISD

What’s on the horizon with TRS-Active Care? Legislature considering all school districts with 1,000 or more employees will be required to exit TRS-Active Care Joint committee recommendation to only offer the High Deductible Plan Surrounding districts on Active Care waiting to determine district contributions and if they will need to seek out medical providers