HomeMy WebLinkAboutReso 2021-3167RESOLUTION NO. 2021 -
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF SUNNY
ISLES BEACH, FLORIDA, APPROVING THE SELECTION OF CIGNA
HEALTHCARE AS THE PROVIDER OF EMPLOYEE HEALTH
INSURANCE; CIGNA DENTAL AS THE PROVIDER OF DENTAL
INSURANCE; EYEMED AS THE PROVIDER OF VISION CARE;
MUTUAL OF OMAHA AS THE PROVIDER OF LIFE INSURANCE,
ACCIDENTAL, DEATH & DISMEMBERMENT (AD&D) INSURANCE,
LONG TERM DISABILITY INSURANCE, VOLUNTARY SHORT TERM
DISABILITY INSURANCE, AND VOLUNTARY LIFE INSURANCE, FOR
A ONE-YEAR PERIOD; AUTHORIZING THE CITY MANAGER TO
ENTER INTO AGREEMENTS WITH THESE PROVIDERS, PROVIDED
SAID AGREEMENTS ARE APPROVED AS TO FORM AND LEGAL
SUFFICIENCY BY THE CITY ATTORNEY; FURTHER AUTHORIZING
THE CITY MANAGER TO DO ALL THINGS NECESSARY TO
EFFECTUATE THIS RESOLUTION; PROVIDING FOR AN EFFECTIVE
DATE.
WHEREAS, the City of Sunny Isles Beach currently provides regular full-time and part-
time employees with primary health care through United Healthcare, a full-service healthcare
provider; and
WHEREAS, staff requested the City's insurance broker (Brown & Brown Insurance,
Inc.) to issue proposals on behalf of the City to provide insurance coverages at generally the
same levels as the existing coverage; and
WHEREAS, after extensive negotiations with the various providers, Brown & Brown
and staff recommend acceptance of the proposal submitted by Cigna Healthcare in an annual
amount of $2,163,557.76, which is 7% lower that the City's current rates, with employees having
the option to choose from two (2) plans: HMO High or HMO Low; and
WHEREAS, Cigna Dental has submitted a proposal for Dental Services at an annual
amount of $130,566.72, which is 14% lower than the City's current rates, with employees having
the option to choose from two (2) plans: DMO or PPO; and
WHEREAS, EyeMed has extended their current rates at no additional cost, in an annual
amount of $18,436.80; and
WHEREAS, Mutual of Omaha has extended their current rates at no additional cost, in
the amount of $64,296.58 as the City's provider for life, long-term disability and accidental
death and dismemberment (AD&D) insurance, and at the employee's sole cost, the voluntary
short term disability insurance and voluntary life insurance, in an annual amount of $60,000.00;
and
WHEREAS, these agreements are for a period of one (1) year, with coverage beginning
March 1, 2021.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF SUNNY ISLES BEACH, FLORIDA, AS FOLLOWS:
RN21 Health Dental And Vision Insurance Providers Page 1 of 2
Section 1. Approval of City Commission. The City Commission hereby approves the use of
Cigna Healthcare as the City's health care provider, Cigna Dental as the dental insurance
provider, EyeMed as the vision care provider, and Mutual of Omaha as the City's provider for
life, accidental death and dismemberment (AD&D) insurance, long-term disability insurance,
voluntary short-term disability insurance, and voluntary life insurance, for a one-year period,
with coverage beginning March 1, 2021.
Section 2. Authorization of City Manager. The City Manager is hereby authorized to enter
into agreements with said insurance providers, provided said agreements are approved as to form
and legal sufficiency by the City Attorney.
Section 3. Further Authorization of the City Manager. The City Manager is hereby
authorized to do all other things necessary to effectuate this Resolution.
Section 4. Effective Date. This Resolution shall become effective upon adoption.
PASSED AND ADOPTED on this 18th day of February 2021.
C9t
GeorgV H. Scholl, Mayor
i
ATTE T: APPROVED AS TO FORM
A D LEG S ICIENCY:
Mau cio Beta cur, CMC, City Clerk Edward A. Dion, City Attorney
M
Moved by: �WwtldAWAA 40"OfJ Seconded by: GfA*19,%oWVA VuLto-W
Vote:
Mayor Scholl ✓ (Yes) (No)
Vice Mayor Svechin (Yes) (No)
Commissioner Goldman (Yes) (No)
Commissioner Lama (Yes) (No)
Commissioner Viscarra (Yes) (No)
82021 Health Dental And Vision Insurance Providers Page 2 of 2
154E
The Honorable Mayor and City Commission
SJNNY
.,.
City of Sunny Isles Beach
FROM:
18070 Collins Avenue
y Y+ «
Sunny Isles Beach, Florida 33160
DATE:
2/18/2021
rA9
y�`op,a
(305) 947-0606 City Hall
(305) 949-3113 Fax
RE:
(Vision); Mutual of Omaha (Life/AD&D, Long -Term
MEMORANDUM
TO:
The Honorable Mayor and City Commission
VIA:
Christopher J. Russo, City Manager
FROM:
Yael Y. Londono, Human Resources and Risk
Management Director
DATE:
2/18/2021
Approval of Selection of 2021 Insurance Providers:
Cigna Health Care (Health); Cigna(Dental); Eyemed
RE:
(Vision); Mutual of Omaha (Life/AD&D, Long -Term
Disability, Voluntary Short Term Disability, and Voluntary
Life)
RECOMMENDATION:
It is recommended that the City Commission consider the attached
resolution approving the selection of the following providers: Cigna
Health Care (Health); Cigna (Dental); Eyemed (Vision); Mutual of
Omaha (Life/AD&D, Long -Term Disability, Voluntary Short Term
Disability, and Voluntary Life)
REASONS:
The City makes available various insurances as a benefit to its
employees. The insurances promote health, wellness, and protection.
As such, staff requested the City's insurance brokers (Brown and
Brown) issue requests for proposals for insurance coverage at
basically the same levels as the existing coverage. After extensive
negotiations with the various providers, Brown & Brown and staff
recommend acceptance of the following provider proposals. See
Attachment (Insurance Summary Table and Proposals).
ADDITIONAL INFORMATION:
Staff worked diligently with our brokers to secure the best pricing and
plans for our insurance coverage. Proposals that seemed competitive,
but did not meet our plan standards were eliminated from
consideration. Employees will be advised of the changes and we have
tentatively scheduled information and enrollment sessions, in order to
effectuate any changes by March 1, 2021, provided receipt of City
Commission approval.
Lastly, all of the recommended providers have an AM Best's Rating of
"A" which is "Superior" to "Very Good", and all agreements will be
reviewed as to form and legal sufficiency by the Office of the City
Attorney. A complete set of all of the final proposals will be on file in
the City Clerk's Office.
ATTACHMENTS:
Description
Resolution
Insurance Summary Table 2021
Insurance Proposals
Item Number: 10.D.
Insurance Summary 2021
Provider
Insurance Type
Summary
The recommendation is to switch to Cigna. This was
the most competitive proposal received. Due to the
high claims experience this past year; United
Healthcare proposed a rate increase of approximately
Cigna
Medical
7% (annual amount of $2,489,641.08). After extensive
Healthcare
negotiations with various carriers, we elected to switch
to Cigna, who submitted a proposal with a 7%
decrease (annual amount of $2,163,557.76.), with no
plan changes. Savings of approximately $326,083.32.
The recommendation is to switch to Cigna who
submitted a proposal with a 14% decrease to the
PPO current rates, with no plan changes. Annual
Cigna
amount of $130,566.72. Savings of approximately
Dental
Dental
$17,956.56.
This was the most competitive proposal received.
Employees have the option to choose from two (2)
plans: DMO or PPO.
Eyemed has extended their current rates at no
additional cost. Annual amount of $18,436.80
EyeMed
Vision
We are in our 4th year of a multi-year rate lock.
Life; Accidental
Mutual of Omaha has extended their current rates at
Death &
no additional cost. Annual amount of $64,296.58
Mutual of
Dismemberment;
Omaha
Long -Term
Disability;
Mutual of Omaha has extended their current rates at
Voluntary Short
no additional cost. Annual amount of $60,000.00
Mutual of
Term Disability
Omaha
and Voluntary
Voluntary Short Term Disability and Voluntary Life
Life Insurance
Insurance is at the sole cost of the employee.
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March 2021 Basic Life and Long -Term Disability Comparison for City of Sunny Isles Beach
$ Change in Total Premium
LONG TERM DISABILITY
Carrier
Class Defined
Benefits
Maximum Monthly Benefit
Benefit %
Elimination Period
Maximum Benefit Period
Pre-existing Condition Limitation
Mental & Nervous
Survivor Income
Definition of Disabilty
Own Occupation Coverage Period
Return to Work Incentive
Contribution Type
Participation Requirement
Rate Guarantee months
Covered Volume
1-11— -
LTD Rate per $100 Monthly Benefit
Monthly Premium
Total Annual LTD Premium
$ Change in Annual Premium
Mutual of
Mutual of Omaha
All FT City Managers
I All FT Department I All Other FT
$300,000
2x Salary to $300,000 1 Salary to $300,000
$300,000
2x Sala to $300,000 1x Sala to $300,000
$300,000
$300,000
$300,000
24 Months
to 65%
RBD to SSNRA I 24 Months
..........
to 40%
Non -Contributory
to 25%
Current
$1,196,257
80% to $240,000
$3,828.02
... .....1._
Included
Included
Not Included
Non -Contributory
100%
Expires 2/28/2020
$15,450,600
-------
$0.090
$0.020
$1,699.57
$20,394.79
Mutual of
Omaha
FT City Manager, Attorneys and
All other FT Employees actively at
Dept Managers Active) at Work
work
$10,000
60% _
_ _
-90
Days
RBD to SSNRA
3/12
24 Months
3 Months
RBD to SSNRA I 24 Months
..........
Included
Non -Contributory
100%
Current
$1,196,257
$0.320
$3,828.02
... .....1._
$45,936.25
$0.00
Mutual of Omaha
FT City Manager, Attorneys and All other FT Employees actively at
Dept Managers Actively at Work I work
$10,000
60%
90 Days
ADEA 1/SSNRA
----- -
3/12
24 Months
3 Months
-
SSNRAI 24 Months
12 Months
Non -Contributory
100%
Expires 3/1/22
$1,196,257___
$0.320
$3,828.02
$45,936.25
$0.00
Rates shown are based on census data provided. Flnal rates are subject to underwriting and actual enrollment.
This comparison is for illustrative purposes only. The full policy and certificate of coverage wig supersede any
and all materials provided herein Page 1 of 1
Mutual of Omaha
All FT City Managers
I All FT Department I All Other FT
$300,000
2x Salary to $300,000 1 x Salam to 5300,000
$300,000
2x Sala to $300,000 1x Sala to $300 000
$300,000
$300,000
$300,000
to 65%
to 40%
to 25%
80% to $240,000
Included
Included
Not Included
Non -Contributory
100%
24 Months
$15,450,600
__.
$0.090 --- ......
$0.020
$1,699.57
$20,394.79
$0.00
Mutual of Omaha
FT City Manager, Attorneys and All other FT Employees actively at
Dept Managers Actively at Work I work
$10,000
60%
90 Days
ADEA 1/SSNRA
----- -
3/12
24 Months
3 Months
-
SSNRAI 24 Months
12 Months
Non -Contributory
100%
Expires 3/1/22
$1,196,257___
$0.320
$3,828.02
$45,936.25
$0.00
Rates shown are based on census data provided. Flnal rates are subject to underwriting and actual enrollment.
This comparison is for illustrative purposes only. The full policy and certificate of coverage wig supersede any
and all materials provided herein Page 1 of 1
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