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Tiered Insurance Discussion Employee Advisory Committee August – September, 2010 Tiered Insurance Discussion Employee Advisory Committee August – September, 2010

Why is EAC requesting feedback on tiers? NAPEBT annually inquires partners about changing medical Why is EAC requesting feedback on tiers? NAPEBT annually inquires partners about changing medical insurance structures. City of Flagstaff Human Resources presented the option to EAC voted to ask employees directly

Definitions Tier: a row, layer, or group; a category or type of family Tiered Definitions Tier: a row, layer, or group; a category or type of family Tiered Medical Insurance: insurance coverage based on family/dependent types Subsidy: City contribution for dependent insurance Deferred Compensation: money distributed to employees who do not insure dependents Proposed Dependent Subsidy: money provided to compensate for an employee covering dependent(s) based on family/dependent type Insurance Premium: cost for insurance coverage Employer Cost: amount paid by employer Employee Cost: amount paid by employee

Employee Survey The anonymous numbered surveys will be sent to employees through EAC Representatives Employee Survey The anonymous numbered surveys will be sent to employees through EAC Representatives Hard copies of the completed surveys should be returned to your EAC representative directly Questions on the survey are the following: • Do you want to modify the existing medical insurance structure? • If modified, which tier structure would you prefer 3 tiers or 4 tiers? • Do you prefer the current subsidy or proposed subsidy?

DISCLAIMER THE COSTS USED IN THIS PRESENTATION ARE ESTIMATES ONLY. DISCLAIMER THE COSTS USED IN THIS PRESENTATION ARE ESTIMATES ONLY.

What are tiers? Tiers are categories of employee family types. Existing 2 Tier Medical What are tiers? Tiers are categories of employee family types. Existing 2 Tier Medical Insurance Structure • Employee only • Employee and Family Possible 3 Tier Medical Insurance Structure • Employee only • Employee plus child or spouse/ domestic partner • Employee and family Possible 4 Tier Medical Insurance Structure • • Employee only Employee plus spouse/ domestic partner Employee plus child or children Employee plus family

Dependent Subsidy $254. 00 per month - amount City of Flagstaff currently contributes to Dependent Subsidy $254. 00 per month - amount City of Flagstaff currently contributes to each employee per month for medical insurance.

Proposed Dependent Subsidy $50 or $314 per month – amount City of Flagstaff may Proposed Dependent Subsidy $50 or $314 per month – amount City of Flagstaff may contribute to each employee per month in a 3 Tier Structure for plus one or plus family respectively $25, $75, or $320 per month - amount City of Flagstaff may contribute to each employee per month in a 4 Tier Structure for plus child/children, plus spouse/domestic partner, plus family respectively

2 - Tier Structure This is the current insurance structure at the City of 2 - Tier Structure This is the current insurance structure at the City of Flagstaff showing what employees pay for their insurance. Base Plan Employee Only Family Buy up Plan Employee Only Family HDHP with HSA Employee Only Family $0. 00 $422. 30/Month $38. 66/Month $520. 78/Month $0. 00 $354. 08/Month

The next few slides present the Buy-Up, Base, and the HDHP Plans with the The next few slides present the Buy-Up, Base, and the HDHP Plans with the current dependent subsidy and a tiered dependent subsidy.

Buy Up Plan Monthly Employee Cost 3 -Tier Current/Proposed Subsidy ee only $28. 09/$28. Buy Up Plan Monthly Employee Cost 3 -Tier Current/Proposed Subsidy ee only $28. 09/$28. 09 ee + 1 $274. 80/$478. 80 ee + spouse / domestic partner $274. 80/$478. 80 ee + children $688. 33/$628. 33 ee + family $688. 33/$628. 33 4 -Tier Current/Proposed Subsidy $28. 09/$28. 09 $348. 87/$527. 87 $199. 67/$428. 67 $750. 39/$684. 39

Base Plan Monthly Employee Costs 3 -Tier Current/Proposed Subsidy ee only $0. 00/$0. 00 Base Plan Monthly Employee Costs 3 -Tier Current/Proposed Subsidy ee only $0. 00/$0. 00 ee + 1 $218. 61/$422. 61 ee + spouse / domestic partner $218. 61/$422. 61 ee + children $608. 95/$548. 95 ee + family $608. 95/$548. 95 4 -Tier Current/Proposed Subsidy $0. 00/$0. 00 $288. 48/$467. 48 $147. 70/$376. 70 $667. 53/$601. 53

HDHP Monthly Employee Cost 3 -Tier Current/Proposed Subsidy ee only $0. 00/$0. 00 ee HDHP Monthly Employee Cost 3 -Tier Current/Proposed Subsidy ee only $0. 00/$0. 00 ee + 1 $231. 43/$435. 43 ee + spouse / domestic partner $231. 43/$435. 43 ee + children $643. 27/$583. 27 ee + family $643. 27/$583. 27 4 -Tier Current/Proposed Subsidy $0. 00/$0. 00 $183. 88/$362. 88 $57. 70/$286. 70 $523. 98/$457. 98

The next five slides allow one to compare the cost of each plan by The next five slides allow one to compare the cost of each plan by tiered type.

Employee Only (Employee Only currently pays $38. 66 for the Buy Up, $0. 00 Employee Only (Employee Only currently pays $38. 66 for the Buy Up, $0. 00 for the Base, and $0. 00 for the HDHP) 3 TIER PROGRAM 3 Tier – Base 3 Tier – Buy Up 3 Tier – HDHP 4 TIER PROGRAM 4 Tier – Base 4 Tier – Buy Up 4 Tier – HDHP With Current Subsidy $0. 00 $28. 09/month $0. 00 $28. 09 $0. 00 With Proposed Subsidy $0. 00 $28. 09/month $0. 00 $28. 09 $0. 00

Employee Plus One (a Spouse or Domestic Partner) (Employee plus one currently pays $520. Employee Plus One (a Spouse or Domestic Partner) (Employee plus one currently pays $520. 78 for the Buy Up, $422. 30 for the Base, and $354. 08 for the HDHP; City contributes $254. 00 as Dependent Subsidy) 3 TIER PROGRAM 3 Tier – Base 3 Tier – Buy Up 3 Tier – HDHP With Current Subsidy $218. 61/month $274. 80/month $231. 43/month 4 TIER PROGRAM 4 Tier – Base 4 Tier – Buy Up 4 Tier – HDHP $288. 48/month $348. 87/month $183. 88/month With Proposed Subsidy $422. 61/month $478. 80/month $435. 43/month $467. 48/month $527. 87/month $362. 88/month

Employee Plus One (child) (employee with one child only) (Employee plus one currently pays Employee Plus One (child) (employee with one child only) (Employee plus one currently pays $520. 78 for the Buy Up, $422. 30 for the Base, and $354. 08 for the HDHP; City contributes $254. 00 as Dependent Subsidy) 3 TIER PROGRAM 3 Tier – Base 3 Tier – Buy Up 3 Tier – HDHP 4 TIER PROGRAM 4 Tier – Base 4 Tier – Buy Up 4 Tier – HDHP With Current Subsidy With Proposed Subsidy $218. 61/month $422. 61/month $274. 80/month $478. 80/month $231. 43/month $435. 43/month $147. 70/month $199. 67/month $57. 70/month $376. 70/month $428. 67/month $286. 70/month

Employee Plus Children (employee with more than one child) (Employee plus children currently pays Employee Plus Children (employee with more than one child) (Employee plus children currently pays $520. 78 for the Buy Up, $422. 30 for the Base, and $354. 08 for the HDHP; City contributes $254. 00 as Dependent Subsidy) 3 TIER PROGRAM 3 Tier – Base 3 Tier – Buy Up 3 Tier – HDHP 4 TIER PROGRAM 4 Tier – Base 4 Tier – Buy Up 4 Tier – HDHP With Current Subsidy With Proposed Subsidy $608. 95/month $548. 95/month $688. 33/month $628. 33/month $643. 27/month $583. 27/month $147. 70/month $199. 67/month $57. 70/month $376. 70/month $428. 67/month $286. 70/month

Employee Plus Family (Employee and their spouse or domestic partner plus one or more Employee Plus Family (Employee and their spouse or domestic partner plus one or more children) (Employee plus family currently pays $520. 78 for the Buy Up, $422. 30 for the Base, and $354. 08 for the HDHP; City contributes $254. 00 as Dependent Subsidy) 3 TIER PROGRAM With Current Subsidy 3 Tier – Base $608. 95/month 3 Tier – Buy Up $688. 33/month 3 Tier – HDHP $643. 27/month 4 TIER PROGRAM 4 Tier – Base 4 Tier – Buy Up 4 Tier – HDHP $667. 53/month $750. 39/month $523. 98/month With Proposed Subsidy $548. 95/month $628. 33/month $583. 27/month $601. 53/month $684. 39/month $457. 98/month

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