Birdville ISD Benefits Committee Meeting 2020-2021 Plan Year 1 - - PowerPoint PPT Presentation

Birdville ISD Benefits Committee Meeting

2020-2021 Plan Year

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What is TRS ActiveCare

TRS Medical and Birdville

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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

• f claims directly via premiums paid by participants. If

claims payouts are higher than premium income, TRS assumes that liability.

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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.

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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)

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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
• r 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.

Recent History - TRS Medical and Birdville

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What’s new 2020-2021

Medical Plans Approved by TRS Board – Blue Cross Blue Shield and Scott and White HMO

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What’s New 2020-2021- TRS Medical Plans

TRS AWARDS MEDICAL CONTRACT – Blue Cross Blue Shield and Baylor Scott and White

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What’s New 2020-2021- TRS Medical Plans

TRS AWARDS MEDICAL CONTRACT – Blue Cross Blue Shield and Baylor Scott and White

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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 ActiveCare Primary - New Plan Total Monthly Premiums EE Monthly Premium * Total Monthly Premiums EE Monthly Premium * Difference Per 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 ActiveCare 1HD Total Monthly Premiums EE Monthly Premium * Total Monthly Premiums EE Monthly Premium * Difference Per 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 ActiveCare Primary+ (was Select) Total Monthly Premiums EE Monthly Premium * Total Monthly Premiums EE Monthly Premium * Difference Per 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 ActiveCare 2 Total Monthly Premiums EE Monthly Premium * Total Monthly Premiums EE Monthly Premium * Difference Per 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 HMO Scott & White Total Monthly Premiums EE Monthly Premium * Total Monthly Premiums EE Monthly Premium * Difference Per 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 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 56 Total 1896 * includes $260 district contribution 10

POTENTIAL ANNUAL OUT OF POCKET - assumes all services are in network Closed to New Enrollments Single Coverage AC Primary - New 1HD (PPO) AC Primary+ (formerly 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 Family Coverage AC Primary - New 1HD AC Primary+ (formerly 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.

What’s New 2020-2021- TRS Medical Plans

Note: these are examples for illustration purposes only. They are not a guarantee of benefits or costs.

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POTENTIAL SERVICE OUT OF POCKET - assumes all services are in network

Closed to New Enrollments

Single Coverage AC Primary - New 1HD (PPO) AC Primary+ (formerly 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 Family Coverage AC Primary - New 1HD AC Primary+ (formerly 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.

What’s New 2020-2021- TRS Medical Plans

Note: these are examples for illustration purposes only. They are not a guarantee of benefits or costs.

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Open Enrollment 2020-2021

Timeline and Resources

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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 8th (1 week before OE begins).
• District voice mail of OE will be sent July 15th.
• 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 5th.
• All OE changes (except life insurance undergoing approval) are effective 9/1 for existing employees and

will reflect on employees 1st paycheck of September.

Open Enrollment 2020-2021- Timeline and Resources

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RESOURCES

• One on one consults will be available throughout open enrollment. We are unsure if these will be

in person as we have done in the past, or via virtual appointment. These consults include health benefit consults with FBS and financial (403(b), 457, etc) consults with TCG.

• Assistance will be available in English and Spanish.
• Reminder emails will be sent automatically; however, employees may opt into text reminders as
• well. Instructions will be sent out on this.
• The District is developing an open enrollment page which will be a simplified one stop shop for

all of the changes, information, and resources available during open enrollment. This page will roll out in June and the link will be included in all OE materials.

• New Benefit web pages have been developed to assist during the year. Pages can be viewed on

the Districts For Staff page, Benefits. Your suggestions are welcome, so let us know what you think!

Open Enrollment 2020-2021- Timeline and Resources

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HELPFUL LINKS

• TRS Health Care Benefit Site 2020-2021
• 2020-21 TRS-ActiveCare Plan Highlights
• What’s New and What’s Changing Document
• Birdville ISD Benefits Website – includes pages for open enrollment, the benefits portal (plan

level information), and pages for ongoing employee support.

Open Enrollment 2020-2021- Timeline and Resources

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Discussion and Questions

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