FY 2007 Risk Report - Laserfiche WebLink

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EMPLOYEE BENEFITS Health Insurance ' ~~ ~ The average cost of health insurance per '~ employee rose 6% in FY07 which is the third year in a row that the City has seen moderate health insurance cost increases. :~. ` This reflects a national leveling of health plan costs, although the medical inflation rate is still much higher than the general inflation rate. Overall medical inflation, increasing prescription drug costs, an aging workforce and a large enrollment of retired employees remain key factors in continuing to drive the health plan costs upward. The City now self- insures all health plans offered to City employees, in an effort to reduce costs. ODS Health Plans, Inc. administers the City's self-insured plans. Large Claims: The City self-insures the first $100,000 of each medical claim. The City purchases "stop loss" insurance for claims which exceed $100,000. The City pays all claims, even those over the stop loss amount and is then reimbursed by the insurer. In FY07 the two health plans paid six claims exceeding $100,000, and received $383,986 in stop loss reimbursements for these claims. City of Eugene -Annual Health Plan Cosy" Per Employee $10,000 $s,ooo $6,000 $4,000 $z,ooo $o $8,350 ~ $7s7t $7 45ass t8A38 - I i I - i- - - li ~: __i FY03 FY04 FY05FY06 FY07 `Includes: City Health Plan and City Managed Care Plan claims and administration costs. Does not reflect employee/retiree contributions. Does not include claims cost exceeding the City's $100,000 self insured retention. Wellness: Maintaining or improving the health of plan members is one of the City's key long term strategies to reduce future health care costs. The City's Health and Fitness program contributes to our efforts to control health care costs by offering employees and their dependents health risk appraisals along with a variety of programs that focus on prevention, nutrition, fitness and risk reduction for heart disease, diabetes and cancer. FY07 Wellness Initiative: The Executive Managers authorized the Benefits Study Group to design and implement a Wellness Initiative to enhance wellness services for all those covered under the City's health plans. The Benefits Study group is made up of representatives of all employee groups. The FY07 Wellness Initiative programs included: Monthly Wellness Education Classes -Two classes each month on various health topics, taught by Cascade Health Solutions. Topics included Osteoporosis, Behavioral Change, Depression and Seasonal Affective Disorder, High Blood Pressure, Diabetes and Cholesterol. eDocAmerica and Registered nurse Advice Line -allow members of the City's health plans to email a board certified physician or psychologist or call a registered nurse to receive confidential answers to their healthcare questions. Services include access to a Health Information Library and health risk appraisal. These programs are available on a trial basis through ODS. flew Fitness Equipment in Cify Facilities -Eugene Police Department; LRCS Echo Hollow; PW Engineering; PW Airport. Healthy Mouth, Healthy Body - An ODS program that enhances dental benefits in order to improve overall health. The program includes an additional or early dental cleaning for members with diabetes and pregnant women in their third trimester. In addition, it covers brush biopsies and ViziLite to help identify oral cancer Heel Bone Density Scans - to help identify those at risk for osteoporosis. The scans. were offered in conjunction with the "Osteoporosis and Bone Building Strength" Wellness Education Classes. 18