Establishing the 2023, 2024, 2025, and 2026 Health Insurance Program for Sauk County

Committee Status: 
Approved
Budget Status: 
Budgeted
Decision Impact: 
Major
FTE Impact: 
No
Funding Source: 
Combination

Purpose

Establishing the 2023, 2024, 2025, and 2026 Health Insurance Program for Sauk County.

Background

The employee health insurance program currently consists of three plan design options which 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.

 

 The County Administrator and Human Resources Director reviewed proposals submitted for 2023 and determined transitioning to Dean would be in the best interests of the county as they proposed the most cost-effective proposal for our service area and demographics while maintaining adequate coverage.   

 

The proposal from Dean drops the plan design to two options, a tiered copay plan and a point of service plan.  It also includes renewal guarantees into 2026 as follows: 2024 – not to exceed 6.5%, 2025 – not to exceed 7.9%, and 2026 – not to exceed 9.9%.

Resolution Files: 
PDF icon dean_health_insurance_resolution.pdf
Budget Status (Other/External Sources): 

Budgeted

Resolution Body

THEREFORE, BE IT RESOLVED, by the Sauk County Board of Supervisors, met in regular session, to establish the health insurance program for Sauk County, offering rates as follows:

 

2023 DEAN INSURANCE RATES (-1.6% decrease of $143,772 from 2022)

 

DEAN Tiered Copay:  In network maximum out of pocket $1,750 (single) or $3,500 (family); $0 office visit copay for Tier 1 (Dean owned facility) $20 office visit co-pay for Tier 2 (Dean covered but not owned facility); $10/$25/$50/30% (generic/brand name) drug copay; $50 urgent care copay for Tier 1 and $100 urgent care copay for Tier 2; $200 emergency room copay (Tier 1 or 2); deductibles of $500 (single) and $1,000 (family):

 

      Single..........................$   715.05                  

      Family.........................$1,844.82                   

       

 

DEAN Point of Service (POS): In network out of pocket maximum $4,600 (single) or $9,200 (family); out of network out of pocket maximum is $10,000 (single) or $20,000 (family); Plan Providers $15 co-pay, $10/$25/$50/$50 (generic/brand name) drug copay, 20% coinsurance; deductibles of $500 (single) or $1,000 (family) for in network; deductibles of $750 (single) or $1,500 (family) for out of network;

 

      Single..........................$ 816.68                    

            Family.........................$2,107.04       

Requested Board Review Date: 
Tuesday, September 20, 2022
Committee Review 1: 
Pending
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