Establishing the 2021 and 2022 Health Insurance Program for Sauk County, with an Optional Extension into 2023

Committee Status: 
Approved
Budget Status: 
Budgeted
Decision Impact: 
Significant
FTE Impact: 
No
Funding Source: 
Levy

Purpose

Establishing the 2021 and 2022 Health Insurance Program for Sauk County, with an Optional Extension into 2023.

 

Background

The employee health insurance program currently consists of three plan design options that are offered to eligible employees. Pursuant to the Personnel Ordinance, financial responsibility shall be limited to 88 percent of the least expensive plan option for single or family coverage.

As recommended by the health insurance broker, the Personnel and Insurance Committee reviewed proposals submitted for 2021, 2022, and optional third year of 2023 and determined to continue the Quartz health insurance to be in the best interest of Sauk County. Quartz was determined as the most cost-effective proposal for our service area and demographics while maintaining adequate coverage.  

The renewal from Quartz also includes renewal guarantees into future contract years as follows: 2021 - 3.9% increase and 2022 – not to exceed 6.9%. The third-year is optional with a rate guarantee not to exceed 8.9% for 2023.

Resolution Files: 
PDF icon Establishing the 2021 and 2022 Health Insurance Program for Sauk County, with an Optional Extension into 2023.
Budget Status (Other/External Sources): 

Levy

Resolution Body

WHEREAS, the Personnel and Insurance Committee has reviewed the proposals submitted for 2021, 2022, and 2023 coverage years and has selected Quartz to be the health insurance provider, consisting of an HMO ($15 copay), HMO and Point of Service, offering rates as follows:

 

2021 Quartz Insurance Rates:

QUARTZ $15 Office Visit Copay: (3.9% increase over prior year) $10/$25/$50 (generic/brand name) drug copay; $15 office visit co-pay; deductibles of $500 (single) and $1,000 (family):

     Single..........................$   681.18            2 Over 65.............................$1,158.01

     Family.........................$1,757.45              1 Over/1 Under 65...............$1,260.18

     1 Over 65 ...................$   579.00 

 

QUARTZ HMO: with $10/$25/$50 (generic/brand name) drug copay; deductibles of $500 (single) and $1,000 (family):         

     Single..........................$   717.10            2 Over 65............................$1,219.07

     Family.........................$1,850.12              1 Over/1 Under 65..............$1,326.63

     1 over 65.....................$   609.53   

 

QUARTZ POINT OF SERVICE: ($200/$600 coinsurance) Plan Providers $30 co-pay, $10/$25/$50 (generic/brand name), non plan providers 80% after deductible:

     Single..........................$   714.34            2 Over 65..........................$1,214.38

     Family.........................$1,843.00              1  Over/1 Under 65...........$1,321.53

     1 Over 65 ...................$   607.19         

 

2022 UNITY (QUARTZ) Insurance Rates (NOT TO EXCEED 6.9%):

QUARTZ $15 Office Visit Copay:  $10/$25/$50 (generic/brand name) drug copay; $15 office visit co-pay; deductibles of $500 (single) and $1,000 (family):                                                    

     Single..........................$   728.18            2 Over 65.............................$1,237.91

     Family.........................$1,878.72              1 Over/1 Under 65...............$1,347.13

     1 Over 65 ...................$   618.95 

 

QUARTZ HMO: with $10/$25/$50 (generic/brand name) drug copay; deductibles of $500 (single) and $1,000 (family):                 

     Single..........................$   766.58            2 Over 65............................$1,303.19

     Family.........................$1,977.78              1 Over/1 Under 65..............$1,418.17

     1 over 65.....................$   651.59   

 

QUARTZ POINT OF SERVICE: ($200/$600 coinsurance) Plan Providers $30 co-pay, $10/$25/$50 (generic/brand name), non plan providers 80% after deductible:

     Single..........................$   763.62            2 Over 65..........................$1,298.17

     Family.........................$1,970.00              1  Over/1 Under 65...........$1,412.72

     1 Over 65 ...................$   649.09         

 

OPTIONAL 2023 QUARTZ Insurance Rates (NOT TO EXCEED 8.9%):

QUARTZ $15 Office Visit Copay:  $10/$25/$50 (generic/brand name) drug copay; $15 office visit co-pay; deductibles of $500 (single) and $1,000 (family):

     Single..........................$   792.98            2 Over 65.............................$1,348.08

     Family.........................$2,045.92              1 Over/1 Under 65...............$1,467.02

     1 Over 65 ...................$   674.04 

 

QUARTZ HMO: with $10/$25/$50 (generic/brand name) drug copay; deductibles of $500 (single) and $1,000 (family):                            

     Single..........................$   834.80            2 Over 65............................$1,419.17

     Family.........................$2,153.78              1 Over/1 Under 65..............$1,544.39

     1 over 65.....................$   709.58   

 

QUARTZ POINT OF SERVICE: ($200/$600 coinsurance) Plan Providers $30 co-pay, $10/$25/$50 (generic/brand name), non plan providers 80% after deductible:

     Single..........................$   831.58            2 Over 65..........................$1,413.71

     Family.........................$2,145.33         1  Over/1 Under 65...........$1,538.45

     1 Over 65 ...................$   706.86         

Requested Board Review Date: 
Tuesday, June 16, 2020
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