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HEALTH INSURANCE / PERSONNEL - Personnel Director Coral Ferrin
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Requested Action(s)
recommendation
a) Request approval of the following recommendations from the Tehama County Health Insurance Advisory Committee:
1) Increase the health insurance premiums by 4.62% for the renewal period of January 1, 2025, through December 31, 2025 for the EPO and PPO plans - services through Live Health Online will continue to be no cost for employees
2) Decrease the Delta Dental plan by -2.19% with no change to benefits
3) Decrease the Vision Service Plan (VSP) by -7.94% with no change to benefits
4) Schedule the 2025 Open Enrollment period for October 1-31, 2024
b) Request authorization for the Personnel Director and/or the Auditor to take the necessary steps to notify Alliant Insurance Services (broker), PrismHealth, and the third-party administrator, WorkTerra
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Financial Impact:
The full County contribution per employee for calendar year 2025 will be $1,934.16 per month; $23,209.92 annually. This represents an increase of $80.50 per employee per month for approximately 660 County participants. The increase to the General Fund is approximately $64,997.04, and $101,761.78 to Public Safety Fund, for a total of $166,758.82 for January through June 2025.
Background Information:
Tehama County participates in the Public Risk Innovation, Solutions, and Management (PRISM) Health Insurance Program, formerly CSAC-EIA. By participating in the PRISM Health Insurance Program, the cost of claims is pooled between the participating members. Pooling claims help to provide stability and reduces the chance of large premium increases. Tehama County joined the CSAC EIA Health Insurance Program in 2003. In 2006, the EIA Health Program joined with Self Insured Schools of California (SISC), which further increased the pool size and therefore, provided more stability.
The Tehama County Health Insurance Advisory Committee (TCHIAC) meets annually, prior to the open enrollm...
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