HomeMy WebLinkAboutReso 2011-1678
RESOLUTION NO. 2011- i l-1 CO
A RESOLUTION OF THE CITY COMMISSION OF THE CITY OF
SUNNY ISLES BEACH, FLORIDA, APPROVING THE
SELECTION OF HUMANA AS THE PROVIDER FOR
EMPLOYEE HEALTH AND DENTAL INSURANCE; EYEMED AS
THE CITY'S PROVIDER FOR VISION CARE; MUTUAL OF
OMAHA AS THE PROVIDER FOR LIFE INSURANCE,
ACCIDENTAL, DEATH & DISMEMBERMENT (AD & D)
INSURANCE, LONG TERM DISABILITY INSURANCE,
VOLUNT ARY 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 A vMed, 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 basically the same
levels as the existing coverage; and
WHEREAS, after extensive negotiations with the various providers, Brown & Brown
and staff recommend acceptance of the following provider proposals: Humana submitted a
proposal for services in an annual amount of $1,225,509.60, which is 2.07% higher than our
current rates, and employees have the option to choose from three (3) plans: HMO High, HMO
Low, or POS (Point of Service); and Humana submitted a proposal for a DMO (Dental
Maintenance Organization) plan in an annual amount of $44,654.76, which is 64.7% lower than
our current rates and a PPO plan in the amount of $125,812.20, which is .54% lower than our
current rates; and EyeMed has extended their current rates at no additional cost; and
WHEREAS, the City team and Brown & Brown recommend to move forward with
Mutual of Omaha as the City's provider for life, disability and accidental death and
dismemberment (AD&D) insurance, long term disability insurance, in an amount of$56,355.15,
which is 5% lower than our current rates, and at the employee's sole cost the voluntary short
term disability insurance, and voluntary life insurance; and
WHEREAS, these agreements are for a period of one (1) year with a renewal date for the
City's health, dental and other employee insurances of March 1,2011.
NOW, THEREFORE, BE IT RESOLVED BY THE CITY COMMISSION OF THE
CITY OF SUNNY ISLES BEACH, FLORIDA, AS FOLLOWS:
R2011- Employee Health Insurance Providers Humana And Eyemed
Page I of2
Section 1. Approval of City Commission. The City Commission hereby approves the use of
Humana as the City's health care and dental provider, EyeMed for vision care, and Mutual of
Omaha as the City's provider for life, disability and 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 a renewal date of March 1,2011.
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 23rd day of February 2011.
AS TO FORM AND
I NCY
Vote: S-o
Moved by: Ce~ ~"t)\.L..
Seconded by: k~ l ~~R
Mayor Norman S. Edelcup
Vice Mayor Lewis Thaler
Commissioner Isaac Aelion
Commissioner Jeanette Gatto
Commissioner George "Bud" Scholl
Vy es)
----z:7"(Y es)
V(Y es)
~(Yes)
~(Yes)
_(No)
_(No)
_(No)
_(No)
_(No)
R20 11- Employee Health Insurance Providers Humana And Eyemed
Page 2 of2
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March 2011 Voluntary Life Insurance Comparison for City of Sunny Isles
Carrier Lincoln Sunlife Mutual of Omaha Reliance Standard
Classes
Class I All Eligible Employees All Eligible Employees All Eligible Employees All Eligible Employees
Benefit
increments of $10,000 increments of $10,000 increments of $10,000 increments of $10,000
Class I Benefit up to max of $300,000 up to max of $300,000 up to max of $300,000 up to max of $500,000
1.5 x employee to a 1.5 x employee to a 50% of employee up to increments of $10,000
Spouse max of $150,000 max of $150,000 $150,000 up to max of $500,000
Children $10,000 $10,000 $10,000 Max $10,000 Max
$100,000 Employee, $100,000 Employee,
$50,000 Spouse, $20,000 Spouse, Child
Guarantee Issue Excess of $80,000 Excess of $80,000 $10,000 Child $10,000
Minimum participation 10 enrolled 10 enrolled 28% 10%
Portability Included Included Included Included
Rates per $10,000
Under 25 1.20 1.20 1.20 1.02
25-29 1.20 1.20 1.20 1.02
--..----..--
30-34 1.30 1.30 1.30 0.98
1__
35-39 1.90 1.90 1.90 1.42
40-44 3.10 3.10 3.10 2.34
-- -- -- -... ..- -- -
45-49 5.10 5.10 5.10 3.98
i
50-54 7.70 7.70 7.70 6.52
___00- 1- -
55-59 11.40 11.40 11.40 11.20
---------...-------- - __ - _..._________n____
60-64 18.80 18.80 18.80 13.67
65-69 34.00 34.00 34.00 20.49
----- _ --- n
70-74 48.00 48.00 48.00 39.17
Rate Guarantee in months 24 Months 24 Months 36 Months 24 Months
~
l!B
BL1'./.FlT
'The information outlined is based on census data provided. Final rates are subject to underwriting.
This proposal is illustrative. Policy and certificate of coverage will supersede.
2/16/2011
TO:
FROM:
DATE:
RE:
City of Sunny Isles Beach
18070 Collins Avenue
Sunny Isles Beach, Florida 33160
(305) 947-0606 City Hall
(305) 949-3 II 3 Fax
(305) 947-2150 Building Department
(305) 947-5107 Fax
City Commission
Norman S. Edelcup, Mayor
Lewis J. Thaler, Vice Mayor
Isaac Aelion, Commissioner
Jeanette Gatto, Commissioner
George "Bud" Scholl, Commissioner
Jorge L. Vera, Acting City Manager
Hans Ottinot, City Attorney
Jane A. Hines, CMC, City Clerk
MEMORANDUM
The Honorable Mayor and City Commission 8
Priscilla Walker, Assistant to the City Manager/Human Resources . ~
February 23,2011
Approval of Selection of 2011 Insurance Providers: Humana (Health & Dental);
EyeMed (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: Humana (Health; Dental); EyeMed (Vision); and Mutual of Omaha
(Life/Accidental Death and Dismemberment (AD&D); Long-Term Disability (L TO); Voluntary
Short Term Disability (STD); and Voluntary Life insurance.
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 coverages 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.
Provider
Humana
Insurance Tvoe
Medical
SummarY
HUll).ana submitted a proposal for services in an annual
amount of $1,225,509.60, which is 2.07% higher than our
current rates. This was the most competitive proposal
received. Employees have the option to choose from three (3)
plans: HMO High, HMO Low, or POS (Point of Service).
Employees can realize a savings by selecting one of the
standard lower priced plans, or they can pay the additional
cost for the higher priced plan. Humana is a nationwide
provider with a broad network of participating physicians.
Our current provider is a Miami-based company and they
have submitted a proposal Tn an annual amount of
$1,297,143.36, which is an 8.04% increase over our current
rates.
2011 Ilealth, Dental, Vision, Life, r;ru, STD Provider Selection
The Honorable City Commission
February 23, 2011
Page 2
Humana Dental
EyeMed Vision
Mutual Life/ AD&D
of Omaha
Mutual Voluntary STD
of Omaha
Mutual
of Omaha
Voluntary
Insurance
ADDITIONAL INFORMATION
Humana submitted a proposal for a DMO (Dental
Maintenance Organization) plan in an annual amount of
$44,654.76, which is 64.7% lower than our current rates and
a PPO plan in the amount of $125,812.20, which is .54%
lower than our current rates. Employees have option to
choose between the two plans. Employees can realize a
savings by selecting the standard lower priced DMO or they
can pay the additional cost for the higher priced PPO.
Humana is a nationwide provider with a broad network of
participants. Our current provider submitted a proposal in
an annual amount of $132,816. 72, which is 5% higher than
our current rates.
EyeMed has extended their current rates at no additional cost.
Mutual of Omaha submitted a proposal in an annual amount
of $56,355.15, which is 5% lower than our current rates.
They have guaranteed these rates for three (3) years. Our
current provider submitted a proposal in an annual amount of
$59,153.77.
Mutual of Omaha submitted the best proposal overall. They
offer a weekly maximum benefit of up to $1,000, based on
60% of an employee's weekly salary. Their coverage mirrors
that of our current provider and their rates do not increase
with age. Again, they have guaranteed their rates for three (3)
years. Voluntary Short Term Disability insurance is at the
sole cost of the employee.
Life Mutual of Omaha has submitted the best proposal overall.
They have a higher guarantee issue ($100,000) than our
current provider ($80,000). Again, they have guaranteed their
rates for three (3) years. Voluntary Life insurance is at the
sole cost of the employee.
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. Department Heads were given an overview of the initial proposals and included
in the decision-making process. Further, employees have been advised of the anticipated changes
and directed to the Humana website for plan/physician information. Additionally, we have
tentatively scheduled information and enrollment sessions for employees for next week Tuesday,
Wednesday, and Thursday (if necessary), in order to effectuate this change by March 1, 2011,
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.
Thank you.