1. 2016-2017 Proposed Medical Plan Premiums and Benefit Changes

2. 2015-2016 Medical Plan Statistics
Premiums were increased across all plans
Plan adjustments made to align benefits closer to TRS-Care and remain competitive with surrounding school districts
NISD Health and Wellness Center continues to be a recruiting and retention tool
NISD Health and Wellness Center continues to be self-sustaining

3. 2015-2016 Medical Plan Statistics
Currently, claim expenses for the Basic and High Deductible Plans are below the revenue generated by premiums
Claim expenses for the Core Plan are 44% above the revenue generated by premiums
2 claimants with $150,000 in claims for the current plan year
4 claimants with $50,000 in claims for the current plan year
Pharmacy costs account for 20.2% of the total plan expenditures

4. Recommendations
Increase the district contribution $50 per month from $275 to $325
Funding for the additional district contribution will be covered through a budget request and reallocating funds from the monthly Alternate Plan contribution
The reallocation of funds will not impact the Alternate Plan benefits

5. Recommendations
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
Increase in premiums for Core Plan ranging from $30 to $50 per month based on coverage selected
Increase the Core Plan deductible from $300 to $750

6. Recommendations
Increase the out-of-pocket for employee only plans to $6,250 and family coverage to $12,500
Reduce home health and skilled nursing benefits from 100% in-network to applicable deductible and co-insurance on all plans
Increase specialty pharmacy deductibles from $125 to $250
Eliminate over-the-counter drugs provided through the NISD Wellness Center
Increase emergency room co-pay from $200 to $250

7. 2016-2017 Recommendations Eliminate the Always Care Vision Plan
Eliminate the QCD Discount Dental Plan
Add a supplemental Motor Club/Road Side Assistance Program
Add a supplemental Combined Life Insurance Program

8. Proposed Premiums

9. Surrounding District Contributions
Plan Year
Contribution
Active Care
Northwest ISD
$325 NO

10. How does NISD’s Plan Compare to TRS-Care ?
Benefits offered by the District are equal or better to those offered through TRS-Care
Premiums for the three plans remain comparable to TRS-Active Care
In June, TRS-Care will increase premiums and adjust benefits to offset the projected shortfall in the TRS-Care fund