Medical Rate Summary Clarkston Community Schools All Employees 2015 Renewal Options at Increased Hard Caps Assumed Effective Date: 7/1/2015
Current Plan(s) and Segment: Employees Enrolled in HealthSmart Option 1 2015 Renewal Rates Health Smart Shared‐funded HSA 2000 Ded; 0% Coins; 5/25/50 Rx Employees Enrolled in HealthSmart Option 2 2015 Renewal Rates Health Smart Shared‐funded HSA 13000 Ded; 0% Coins; 5/25/50 Rx Employees Enrolled in HealthSmart Option 4 2015 Renewal Rates Health Smart Shared‐funded PPO 250 Ded; 0% Coins; 5/25/50 Rx
Product Name Priority Health Options PriorityHealth HMO $250‐0% Ded; $20 OV; $10/$40/$80/$40/$80 Rx PriorityHealth HMO $500‐0% Ded; $20 OV; $10/$40/$80/$40/$80 Rx PriorityHealth HMO $500‐20% Ded; $20 OV; $10/$40/$80/$40/$80 Rx PriorityHealth HMO HSA $1300‐0% Ded; $0 OV; $10/$40/$80/$40/$80 Rx PriorityHealth HMO HSA $1300‐20% Ded; 20% OV; $10/$40/$80/$40/$80 Rx PriorityHealth HMO HSA $2000‐0% Ded; $0 OV; $10/$40/$80/$40/$80 Rx HAP Options HAP EPO $500‐20% Ded; $20 OV; $5/$25/$40 Rx HAP EPO HDHP $1300‐0% Ded; $0 OV; $5/$25/$40 Rx HAP EPO HDHP $2000‐0% Ded; $0 OV; $5/$25/$40 Rx HAP HMO $500‐20% Ded; $20 OV; $5/$25/$50 Rx HAP HMO HDHP $1300‐0% Ded; $0 OV; $5/$25/$50 Rx HAP HMO HDHP $2000‐0% Ded; $0 OV; $5/$25/$40 Rx BCBSM Options
1P Census 20 Rate $424.08 Census 112 Rate $446.59 Census 2 Rate $636.48 TOTALS: 134
2P 10 $947.88 86 $1,001.82 6 $1,261.69 102
FF 20 $1,186.57 289 $1,252.33 2 $1,735.42 311
Total Cost $500,302 $5,977,176 $147,767 $6,625,245
547
1P Rate
2P Rate
FF Rate
Total Cost
Estimated Annual Savings
$605 $584 $532 $484 $424 $433
$1,200 $1,158 $1,055 $1,086 $951 $969
$1,651 $1,593 $1,452 $1,358 $1,189 $1,212
$8,603,416 $8,300,631 $7,565,683 $7,174,577 $6,283,460 $6,406,876
‐$1,978,172 ‐$1,675,386 ‐$940,438 ‐$549,333 $341,784 $218,368
$448 $434 $409 $405 $396 $367
$1,003 $972 $915 $911 $891 $728
$1,250 $1,211 $1,141 $1,142 $1,117 $998
$6,613,683 $6,407,345 $6,035,143 $6,029,562 $5,897,011 $5,206,834
$11,561 $217,900 $590,101 $595,683 $728,233 $1,418,411
Printed On 8/7/2015
Product Name BCBSM CB 3 PPO $250‐20% Ded; $20 OV; $10/$40/$80 Rx BCBSM CB 4 PPO $500‐20% Ded; $20 OV; $10/$40/$80 Rx BCBSM CB 12 PPO $1000‐0% Ded; $30 OV; $10/$40/$80 Rx BCBSM SB PPO $1000‐20% Ded; $30 OV; $10/$40/$80 Rx BCBSM SB PPO HSA HDHP $1300‐0% Ded; $0 OV; $10/$40/$80 Rx BCBSM SB PPO HSA HDHP $1300‐20% Ded; $0 OV; $10/$40/$80 Rx BCBSM SB PPO HSA HDHP $2000‐0% Ded; $0 OV; $10/$40/$80 Rx BCBSM SB PPO HSA HDHP $2000‐20% Ded; $0 OV; $10/$40/$80 Rx BCN Options BCN HMO $500‐20% Ded; $20 OV; $10/$40/$80 Rx BCN HMO $500‐0% Ded; $20 OV; $10/$40/$80 Rx BCN HMO HSA HDHP $1300‐0% Ded; $0 OV; $10/$40/$80 Rx BCN HMO HSA HDHP $1300‐20% Ded; 20% OV; $10/$40/$80 Rx BCN HMO HSA HDHP $2000‐0% Ded; $0 OV; $10/$40/$80 Rx BCN HMO HSA HDHP $2000‐20% Ded; 20% OV; $10/$40/$80 Rx Glidepath Options Glidepath BCBSM SB PPO $1000‐20% Ded; $30 OV; $10/$40/$80 Rx Glidepath BCBSM SB PPO HSA HDHP $1250‐20% Ded; 20% OV; $10/$40/$80 Rx Glidepath BCBSM SB PPO HSA HDHP $2000‐0% Ded; $0 OV; $10/$40/$80 Rx Glidepath BCN HMO $500‐20% Ded; $20 OV; $10/$40/$80 Rx Glidepath BCN HMO HSA HDHP $1300‐20% Ded; 20% OV; $10/$40/$80 Rx Glidepath BCN HMO HSA HDHP $2000‐0% Ded; $0 OV; $10/$40/$80 Rx Aetna Options Aetna Shared‐funding Matching Current Benefit Levels Composite Plan
1P Rate $667 $633 $636 $511 $491 $452 $411 $401
2P Rate $1,600 $1,519 $1,524 $1,224 $1,176 $1,082 $986 $962
FF Rate $2,005 $1,904 $1,911 $1,536 $1,476 $1,359 $1,237 $1,208
Total Cost $10,513,898 $9,982,401 $10,020,716 $8,050,321 $7,734,730 $7,121,125 $6,485,646 $6,329,628
Estimated Annual Savings ‐$3,888,653 ‐$3,357,156 ‐$3,395,471 ‐$1,425,077 ‐$1,109,486 ‐$495,881 $139,599 $295,617
$416 $470 $382 $340 $369 $360
$998 $1,126 $916 $814 $883 $861
$1,253 $1,413 $1,151 $1,023 $1,109 $1,083
$6,567,222 $7,405,604 $6,029,745 $5,359,447 $5,813,452 $5,672,453
$58,023 ‐$780,359 $595,499 $1,265,797 $811,792 $952,791
$516 $457 $438 $442 $353 $374
$1,229 $1,087 $1,042 $1,052 $839 $888
$1,541 $1,364 $1,308 $1,320 $1,053 $1,114
$8,083,141 $7,153,945 $6,859,817 $6,925,626 $5,525,259 $5,846,272
‐$1,457,897 ‐$528,701 ‐$234,572 ‐$300,382 $1,099,986 $778,972
$2,238
$2,238
$2,238
$14,690,232
‐$8,064,987
Printed On 8/7/2015
Medical Rate Summary Clarkston Community Schools All Employees MESSA Options Assumed Effective Date: 7/1/2015
Current Plan(s) and Segment: Employees Enrolled in HealthSmart Option 1 2015 Renewal Rates Health Smart Shared‐funded HSA 2000 Ded; 0% Coins; 5/25/50 Rx Employees Enrolled in HealthSmart Option 2 2015 Renewal Rates Health Smart Shared‐funded HSA 1250 Ded; 0% Coins; 5/25/50 Rx Employees Enrolled in HealthSmart Option 4 2015 Renewal Rates Health Smart Shared‐funded PPO 250 Ded; 0% Coins; 5/25/50 Rx
Product Name MESSA Options MESSA Choices II $500‐0% Ded; $20 OV; Saver Rx MESSA ABC Plan 1 $1300‐0% Ded; 0% OV; ABC Rx MESSA ABC Plan 2 $2000‐0% Ded; 0% OV; ABC Rx
1P Census 20 Rate $424.08 Census 112 Rate $446.59 Census 2 Rate $636.48 TOTALS: 134
2P 10 $947.88 86 $1,001.82 6 $1,261.69 102
FF 20 $1,186.57 289 $1,252.33 2 $1,735.42 311
Total Cost $500,302 $5,977,176 $147,767 $6,625,245
547
1P Rate
2P Rate
FF Rate
Total Cost
Estimated Annual Savings
$466 $422 $395
$1,047 $947 $886
$1,302 $1,178 $1,102
$6,889,312 $6,232,452 $5,833,363
‐$264,067 $392,793 $791,882
‐Current rates include the Health Insurance Claims Assessment and estimated fees and taxes associated with the Affordable Care Act. ‐MESSA options were marked up by 1.93% to reflect an estimated state tax and fee liability; these figures could fluctuate. ‐ACA taxes/fees are being covered by MESSA.
Printed On 8/7/2015
