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Mid-Michigan College Cost Proposal
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Mid Michigan College HIGH LEVEL SUMMARY OF MULTIPLE SPREADSHEETS
2.24.2021
2021 Projected Costs with No Changes
Total ASC HSA Illustrative Premium (2 Ͳ Options) Total Employer HSA Contributions (52 Singles, 78 Dbl/Fmlys)
$1,734,085
$291,200
Projected Dental Premium (A D N) Projected Vision Premium (EyeMed) $1400 Single | $2800 Double/Family Projected Net Costs (Medical/Rx)
$2,025,285 $130,123 $12,122 $4,192,815
Overall Total Cost
All three options below reflect the same funding strategy as you have today, ASC (Self Ͳ Funded). Savings based on current enrollment, illustratively.
ASC COST SAVINGS OPTION (SBPPO HSA)
ASC COST SAVINGS OPTION (BCN HSA) SPREADSHEET C | OPTION #6
ASC COST SAVINGS OPTION (BCN, ARORx) SPREADSHEET A | OPTION #5
SPREADSHEET C | OPTION #1
PROPOSED CHANGES
SAVINGS
PROPOSED CHANGES
SAVINGS
PROPOSED CHANGES
SAVINGS
Medical: SBHSA $3k (SS Option #1) *Embedded Deductible*
Medical: BCN HSA $3k (SS Option #6) *Embedded Deductible*
Medical: SBPPO $5k HRA to $500 (SS Option #6) *Embedded Deductible* Ͳ 35.86%
($188,316)
($337,748)
($621,926)
Ͳ 19.48%
Ͳ 10.86%
Prescription Drug Plan
Prescription Drug Plan
Prescription Drug Utilization (ARORx)
Included Above
Included Above
$252,175
Ͳ 43.27%
Employer HSA Contribution ( Additional ER Contr of: $750 for singles, $1500 Double/Family) Total: $2150 | $4300
Employer HSA Contribution ( Additional ER Contr of: $1500 for singles, $3000 Double/Family) Total: $2900 | $5800
Employer HSA Contribution (Not Applicable)
$156,000
$312,000
($291,200)
Employer HRA Projected Utilization
Employer HRA Projected Utilization
Employer Fixed GAP Costs
N/A
N/A
$313,352
Dental:
Dental:
Dental:
Quotes Pending
Quotes Pending
Quotes Pending
Vision: EyeMed
Vision: EyeMed
Vision: EyeMed
Ͳ
Ͳ
Ͳ
Life/Disability:
Life/Disability:
Life/Disability:
Quotes Pending ($32,316)
Quotes Pending ($25,748)
Quotes Pending ($347,599)
Overall Cost Savings with Changes
Overall Cost Savings with Changes
Overall Cost Savings with Changes
Overall Cost Projection with Changes $4,160,499
Overall Cost Projection with Changes $4,167,067
Overall Cost Projection with Changes $3,845,216 % Change from Current Illustrative Ͳ 17.16% HIGHS/LOWS Coverage available prior to deductible (office visits, chiro, Rx, etc.) Employer cost savings with fixed HRA costs built in. Potential for a reduced employee cost share (more $ in paycheck) Customizable plan design. Employer has the advantage to offer a rich benefit, but only pay when the employee actually uses it. Ability to pair with the SBHSA or BCNHSA, dual option for EEs to decide what plan is best for their needs. Flexibility at OE to change every year. Can use saved HSA funds to cover any out Ͳ of Ͳ pocket incurred expenses ( anything eligible on 213d listed as an eligible expense ).
HIGHS/LOWS Embedded Deductible (if only 1 person is ill in the family, you only have to meet the single deductible) Increased Employer HSA Contributions Potential for a reduced employee cost share (more $ in paycheck) Ability to pair with BCN HSA or Non Ͳ HSA plans, allowing employees to decide which is best for their family.
HIGHS/LOWS
Embedded Deductible (if only 1 person is ill in the family, you only have to meet the single deductible) Increased Employer HSA Contributions Potential for a reduced employee cost share (more $ in paycheck) Ability to pair with SBHSA or Non Ͳ HSA plans, allowing employees decide which is best for their family.
Can pay for qualified expenses with tax Ͳ free dollars.
Can pay for qualified expenses with tax Ͳ free dollars.
Additional Chiropractic (30 vs. 12/calendar year)
Additional Chiropractic (30 vs. 12/calendar year)
LOWS: $3k Deductible | Higher Out Ͳ Of Ͳ Pocket Ͳ Max ($6900/13,800) | Rx Change | SBPPO Network vs. BCNHMO Network
LOWS: $3k Deductible | Higher Out Ͳ Of Ͳ Pocket Ͳ Max ($6900/13,800)
LOWS: No Savings Vehicle, can no longer contribute tax Ͳ free $
PRIORITY HEALTH (REFERENCE SPREADSHEET D)
Priority Health offers a very unique HSA plan with preventative care and prescriptions covered prior to the deductible being
Combined Savings: $181,825 ( Ͳ 10.49%) Combined Savings: $289,821 ( Ͳ 16.71%) Keep the 2 HSA plans you have, change carriers to Priority Health with FIXED costs (fully Ͳ insured): Point of Service (POS) Network HMO Network
Blue Cross Blue Shield SBPPO SELF Ͳ FUNDED HRA/Rx Options
Customer Name: Contract/Group # Renewal Date:
Mid Michigan College 007000470 Ͳ 0001/0002
1/1/2021
Spreadsheet A
BCBS Simply Blue PPO Self Ͳ Funded 500 Deductible
BCBS Simply Blue PPO Self Ͳ Funded 5000 Deductible with HRA/GAP and ARORx Options
Group Health Options:
Current Plan Option 1 1400/2800
Current Plan Option 2 2000/4000
Option #1 500/1000 1500/3000 10/40/80 20/80/160 20%
Option #2 500/1000
Option #3 5000/10000
Option #4 5000/10000
HRA Riembursed Plan
Option #5 5000/10000
GAP Reimbursed Plan
Deductible Coinsurance % Coinsurance Max Prescription 90 Day Supply
500/1000
500/1000
0%
0%
20%
20% N/A
20% N/A
20%
20% N/A
20%
N/A
N/A
1500/3000 Rx Carve Ͳ out Rx Carve Ͳ out
1500/3000 Rx Carve Ͳ out Rx Carve Ͳ out
1500/3000 Rx Carve Ͳ out Rx Carve Ͳ out
Rx Carve Ͳ out Rx Carve Ͳ out PCP 40 / Sp 60 40 / 12 visits
Rx Carve Ͳ out Rx Carve Ͳ out
10/40/80 20/80/160
5/25/50 after ded 10/50/100 after ded
10/40/80 after ded 20/80/160 after ded
Office Visit Co Ͳ Pay Chiropractic/Max Visits
0% after ded
0% after ded
20
20
PCP 40 / Sp 60 40 / 12 visits
20
30
30
0% after ded / 12 visits
0% after ded / 12 visits
20 / 12 visits
20 / 12 visits
20 / 12 visits
30 / 12 visits
30 / 12 visits
Urgent Care/Emergency Room
0% after ded Included 2250/4500
0% after ded Included 3000/6000
20 / 150 Included
20 / 150 Included
60 / 250 Included
60 / 250 Included
20 / 150 Included
30 / 150 Included
30 / 150 Included
Preventive Care Out of Pocket Max
6350/12700 Medical OOP 1800/3600 Rx OOP SBPPO 500 ASC No Rx
6350/12700 Medical OOP
6350/12700 Medical OOP
8150/16300
8150/16300
8150/16300
8150/16300
1800/3600 Rx OOP
1800/3600 Rx OOP
Notes:
SBPPO 500 ASC
SBPPO HRA 5k ASC
SBPPO HRA 5k ASC No Rx
44North HRA
SBPPO HRA 5k ASC No Rx Chelten Benefits Group
Plan Design:
SBPPO HSA 1400 ASC
SBPPO HSA 2000 ASC
Illustrative Monthly $592.22 $1,421.32 $1,776.65 Cost
Illustrative Monthly $535.22 $1,284.51 $1,605.64 Cost
Illustrative Monthly $681.98 $1,636.74 $2,045.93 Cost
Illustrative Monthly Cost (Medical Only)
Illustrative Monthly $549.11 $1,317.86 $1,647.32 Cost
Illustrative Monthly $338.27 $811.85 $1,014.80 Cost
HRA Illustrative
Illustrative Monthly $351.33 $843.18 $1,053.98 Cost
Premium Saver
Total
Total
Total
Enrolled
Enrolled Option 1
Enrolled Option 2
Monthly
Monthly
Cost
Cost
Single
52 37 41
18
34 29 34
$476.10 $1,142.63 $1,428.29
$109.18 $237.59 $292.63
$114.90 $220.71 $291.99
Two Person
8 7
Family
Total Employees
130
33
97
% Difference from Current:
24.50%
Ͳ 13.09%
0.24%
Ͳ 38.25%
Ͳ 35.86%
Monthly Total Cost: Annual Total Cost:
$34,467 $413,605
$110,040 $1,320,480 $1,734,085 $291,200 $2,025,285
$179,905 $2,158,866
$125,594 $1,507,133
$144,855 $1,738,256
$89,235
$92,680
$1,070,823
$1,112,160
Total Illst Cost + MMC HSA Contrib: Combined Illustrative Cost: Estimated MMC HSA Contribution:
Cost Change from Current:
$424,780
($226,952)
$4,171
($663,262)
($621,925)
Alternative Options Premium and Cost Analysis are Calculated Based on Total Combined Enrollment and Premium for Current Benefits
Decline to Quote: McLaren DirectCare, ASR, Lincoln Financial Ͳ Not Competitive
ARORx Illustrative Rates
ARORx Illustrative Rates
ARORx Illustrative Rates
ARORx Illustrative Rates include BCBS Rx Carve Ͳ out Fee
Decline to Quote: Delta Dental Ͳ MESSA Agreement
$79.66 $191.19 $238.98 Proposed
$79.66 $191.19 $238.98 Proposed
$79.66 $191.19 $238.98 Proposed
Pending Proposals: Blues Dental/Vision Ͳ expected 2/26/21
Illustrative Cost Medical + HRA + Rx
Illustrative Cost Medical + GAP + Rx
Illustrative Cost Medical + Rx
NOTE: 1/1/2021 ASC alternate option proposed rates do not include non Ͳ standard benefit riders (unless otherwise noted): DC 26 Ͳ ME ASC (Dep covered to age 26 Ͳ month end), SB Ͳ HSA Ͳ AMB ASC (Autism coverage), SBD HSA OLV ASC (Online visits), XVA ASC (Exclude Voluntary Abortion)
Single
$555.76 $1,333.82 $1,667.27
$527.11 $1,240.63 $1,546.41
$545.89 $1,255.08 $1,584.95
Two Person
Family
% Difference from Current Illstr + HRA Contr:
Ͳ 13.13%
Ͳ 18.99%
Ͳ 17.16%
Monthly Cost: Annual Cost:
$146,609 $1,759,307
$136,716 $1,640,590
$139,807 $1,677,686
Confirmation of rating impact to add non Ͳ standard riders pending
Cost Change from Current Illstr + HRA Contr:
($265,978)
($384,695)
($347,599)
DISCLAIMERS < Please read prior to making any decision >
Ͳ Rates do include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers). Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors.
Original Date: 2.22.21lr Modified Date: 2.23.21lr; 2.25.21lr
Blue Care Network SELF Ͳ FUNDED HRA/Rx Options
Customer Name: Contract/Group # Renewal Date:
Mid Michigan College 007000470 Ͳ 0001/0002
1/1/2021
Spreadsheet B
Blue Care Network Self Ͳ Funded 500 Deductible
Blue Care Network Self Ͳ Funded 5000 Deductible with HRA/GAP and ARORx Options
Group Health Options:
Current Plan Option 1 1400/2800
Current Plan Option 2 2000/4000
Option #6 500/1000
Option #7 500/1000
Option #8 5000/10000
Option #9 5000/10000
HRA Riembursed Plan
Option #10 5000/10000
GAP Riembursed Plan
Deductible Coinsurance % Coinsurance Max Prescription 90 Day Supply
500/1000
500/1000
0%
0%
20%; 50% slct svcs
20%; 50% slct svcs
20%; 50% slct svcs
20%; 50% slct svcs
20%; 50% slct svcs
20%; 50% slct svcs
20%; 50% slct svcs
N/A
N/A
2500/5000
2500/5000 Rx Carve Ͳ out Rx Carve Ͳ out PCP 20 / Sp 40 40 / 30 visits
N/A
N/A
1500/3000 Rx Carve Ͳ out Rx Carve Ͳ out
N/A
1500/3000 Rx Carve Ͳ out Rx Carve Ͳ out PCP 20 / Sp 40 40 / 30 visits
Rx Carve Ͳ out Rx Carve Ͳ out PCP 20 / Sp 40 40 / 30 visits
Rx Carve Ͳ out Rx Carve Ͳ out PCP 20 / Sp 40 40 / 30 visits
6/25/50/80/20%/20% 3x copay less $10 PCP 20 / Sp 40 40 / 30 visits 50 / 250 after ded
5/25/50 after ded 10/50/100 after ded
10/40/80 after ded 20/80/160 after ded
6/25/50/80/20%/20% 3x copay less $10 PCP 20 / Sp 40 40 / 30 visits 50 / 250 after ded
Office Visit Co Ͳ Pay Chiropractic/Max Visits
0% after ded
0% after ded
20
20 / 30 visits
0% after ded / 12 visits
0% after ded / 12 visits
Urgent Care/Emergency Room
0% after ded Included 2250/4500
0% after ded Included 3000/6000
50 / 250 after ded
50 / 250 after ded
20 / 150 Included
50 / 250 after ded
50 / 250 after ded
Preventive Care Out of Pocket Max
Included
Included
Included
Included
Included
Included
6350/12700 Medical OOP
6350/12700 Medical OOP
6350/12700 Medical OOP
8150/16300
8150/16300
8150/16300
8150/16300
1800/3600 Rx OOP BCN 500 ASC No Rx
Rx Tier 4/5 Max: 200/300
1800/3600 Rx OOP
1800/3600 Rx OOP
Rx Tier 4/5 Max: 200/300
Notes:
Plan Design:
SBPPO HSA 1400 ASC
SBPPO HSA 2000 ASC
BCN 500 ASC
BCN HRA 5k ASC
BCN HRA 5k ASC No Rx
44North HRA
BCN HRA 5k ASC No Rx Chelten Benefits Group
Illustrative Monthly $592.22 $1,421.32 $1,776.65 Cost
Illustrative Monthly $535.22 $1,284.51 $1,605.64 Cost
Illustrative Monthly $610.63 $1,465.50 $1,831.89 Cost
Illustrative Monthly Cost (Medical Only)
Illustrative Monthly $531.07 $1,274.56 $1,593.19 Cost
Illustrative Monthly $344.30 $826.34 $1,032.92 Cost
HRA Illustrative
Illustrative Monthly $344.30 $826.34 $1,032.92 Cost
Premium Saver
Total
Total
Total
Enrolled
Enrolled Option 1
Enrolled Option 2
Monthly
Monthly
Cost
Cost
Single
52 37 41
18
34 29 34
$432.44 $1,037.87 $1,297.34
$102.26 $220.99 $271.88
$114.90 $220.71 $291.99
Two Person
8 7
Family
Total Employees
130
33
97
% Difference from Current:
11.47%
Ͳ 21.06%
Ͳ 3.05%
Ͳ 37.15%
Ͳ 37.15%
Monthly Total Cost: Annual Total Cost:
$34,467 $413,605
$110,040 $1,320,480 $1,734,085 $291,200 $2,025,285
$161,084 $1,933,005
$114,079 $1,368,948
$140,095 $1,681,142
$90,828
$90,828
$1,089,935
$1,089,935
Total Illst Cost + MMC HSA Contrib: Combined Illustrative Cost: Estimated MMC HSA Contribution:
Cost Change from Current:
$198,920
($365,137)
($52,943)
($644,150)
($644,150)
Alternative Options Premium and Cost Analysis are Calculated Based on Total Combined Enrollment and Premium for Current Benefits
Decline to Quote: McLaren DirectCare, ASR, Lincoln Financial Ͳ Not Competitive
ARORx Illustrative Rates
ARORx Illustrative Rates
ARORx Illustrative Rates
ARORx Illustrative Rates include BCBS Rx Carve Ͳ out Fee
Decline to Quote: Delta Dental Ͳ MESSA Agreement
$79.66 $191.19 $238.98 Proposed
$79.66 $191.19 $238.98 Proposed
$79.66 $191.19 $238.98 Proposed
Pending Proposals: Blues Dental/Vision Ͳ expected 2/26/21
Illustrative Cost Medical + HRA + Rx
Illustrative Cost Medical + GAP + Rx
Illustrative Cost
Medical + Rx
NOTE: 1/1/2021 ASC alternate option proposed rates do not include non Ͳ standard benefit riders (unless otherwise noted): DC 26 Ͳ ME ASC (Dep covered to age 26 Ͳ month end), SB Ͳ HSA Ͳ AMB ASC (Autism coverage), SBD HSA OLV ASC (Online visits), XVA ASC (Exclude Voluntary Abortion)
Single
$512.10 $1,229.06 $1,536.32
$526.22 $1,238.52 $1,543.78
$538.86 $1,238.24 $1,563.89
Two Person
Family
% Difference from Current Illstr + HRA Contr:
Ͳ 19.96%
Ͳ 19.13%
Ͳ 18.26%
Monthly Cost: Annual Cost:
$135,094 $1,621,123
$136,484 $1,637,804
$137,955 $1,655,461
Confirmation of rating impact to add non Ͳ standard riders pending
Cost Change from Current Illstr + HRA Contr:
($404,163)
($387,481)
($369,824)
DISCLAIMERS < Please read prior to making any decision >
Ͳ Rates do include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers). Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors.
Original Date: 2.22.21lr Modified Date: 2.23.21lr; 2.25.21lr
BCBS/BCN SELF FUNDED OPTIONS
Customer Name: Contract/Group # Renewal Date:
Mid Michigan College 007000470 Ͳ 0001/0002
1/1/2021
Spreadsheet C
Group Health Options:
Current Plan Option 1 1400/2800
Current Plan Option 2 2000/4000
BCBS Simply Blue PPO Self Ͳ Funded
Blue Care Network HMO Self Ͳ Funded
Option #1
Option #2
Option #3 5000/10000
Option #4 1400/2800
Option #5 2000/4000
Option #6
Deductible
3000/6000 (Embedded)
3000/6000 (Embedded)
3000/6000 (Embedded)
Coinsurance % Coinsurance Max Prescription 90 Day Supply
0%
0%
0%
0%
20% N/A
0%
0%
0%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Rx Carve Ͳ out Rx Carve Ͳ out
5/25/50 after ded 10/50/100 after ded
10/40/80 after ded 20/80/160 after ded
10/40/80 after ded 20/80/160 after ded
5/25/520 after ded 10/50/100 after ded
6/25/50/80/20%/20% after ded 3x copay less $10 after ded
6/25/50/80/20%/20% after ded 3x copay less $10 after ded
6/25/50/80/20%/20% after ded 3x copay less $10 after ded
Office Visit Co Ͳ Pay Chiropractic/Max Visits
0% after ded
0% after ded
0% after ded
0% after ded
30
0% after ded
0% after ded
0% after ded
0% after ded / 12 visits
30 / 12 visits
0% after ded / 30 visits
0% after ded / 30 visits
0% after ded / 30 visits
0% after ded / 12 visits
0% after ded / 12 visits
0% after ded / 12 visits
Urgent Care/Emergency Room
0% after ded 2250/4500
0% after ded 3000/6000
0% after ded 6900/13800
0% after ded 6900/13800
30 / 150
0% after ded 4000/8000
0% after ded 4000/8000
0% after ded 6900/13800
Out of Pocket Max Preventive Care
8150/16300
Included
Included
Included
Included
Included
Included
Included
Included
Includes Current Riders SBPPO HSA 3000 ASC
Notes:
Plan Design:
SBPPO HSA 1400 ASC
SBPPO HSA 2000 ASC
SBPPO HSA 3000 ASC
SBPPO HRA 5k ASC
BCN HSA 1400 ASC
BCN HSA 2000 ASC
BCN HSA 3000 ASC
Decline to Quote: McLaren DirectCare, ASR, Lincoln Financial Ͳ Not Competitive
Tier 4/5 Max copay: $200/$300
Tier 4/5 Max copay: $200/$300
Tier 4/5 Max copay: $200/$300
BCBS Rx Carve Ͳ out Fee Not Included in Rates
Decline to Quote: Delta Dental Ͳ MESSA Agreement Pending Proposals: Blues Dental/Vision Ͳ expected 2/26/21 Total Total
Illustrative Monthly $592.22 $1,421.32 $1,776.65 Cost
Illustrative Monthly $535.22 $1,284.51 $1,605.64 Cost
Illustrative Monthly $488.31 $1,171.92 $1,464.90 Cost
Illustrative Monthly $501.38 $1,203.32 $1,504.15 Cost
Illustrative Monthly $351.33 $843.15 $1,053.98 Cost
Illustrative Monthly $514.31 $1,234.35 $1,542.94 Cost
Illustrative Monthly $474.55 $1,138.91 $1,423.64 Cost
Illustrative Monthly $441.10 $1,058.63 $1,323.29 Cost
Total
Enrolled
Enrolled Option 1
Enrolled Option 2
Single
52 37 41
18
34 29 34
Two Person
8 7
Family
Total Employees
130
33
97
% Difference from Current:
Ͳ 10.86%
Ͳ 8.47%
Ͳ 35.87%
Ͳ 13.15%
Ͳ 11.34%
Ͳ 19.48%
Monthly Total Cost: Annual Total Cost:
$34,467 $413,605
$110,040 $1,320,480
$128,814 $1,545,769
$132,265 $1,587,177
$92,679
$29,933 $359,196
$97,567
$116,361 $1,396,337
$1,112,147
$1,170,802
Cost Change from Current:
($188,316)
($146,908)
($621,939)
($54,409)
($149,678) $1,529,998 ($204,087) $1,821,198 Ͳ 11.77%
($337,748)
Comparing to Total Combined Enrollment
Comparing to Total Combined Enrl
$1,734,085 $291,200 $2,025,285
Combined Illustrative Cost:
% Difference from Current: Cost Change from Current: Combined Illustrative Cost:
Estimated MMC HSA Contribution: Total Illustrative Cost + MMC HSA Contribution:
Total Illustrated Cost + MMC HSA Contribution:
NOTE: 1/1/2021 ASC alternate option proposed rates do not include non Ͳ standard benefit riders (unless otherwise noted): DC 26 Ͳ ME ASC (Dep covered to age 26 Ͳ month end), SB Ͳ HSA Ͳ AMB ASC (Autism coverage), SBD HSA OLV ASC (Online visits), XVA ASC (Exclude Voluntary Abortion) Confirmation of rating impact to add non Ͳ standard riders pending
DISCLAIMERS < Please read prior to making any decision >
Ͳ Rates do include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers). Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors. Authorized independent agent for Blue Cross Blue Shield of Michigan and Blue Care Network of Michigan
Original Date: 2.19.21lr Modified Date: 2.25.21lr
PRIORITY HEALTH SELF Ͳ FUNDED & FULLY FUNDED OPTIONS
Customer Name: Contract/Group # Renewal Date:
Mid Michigan College 007000470 Ͳ 0001/0002
1/1/2021
Spreadsheet D
Priority Health1/1/2021 Fully Funded
Priority HMO HSA Fully Funded
Group Health Options:
Current Plan Option 1 1400/2800
Current Plan Option 2 2000/4000
Priority POS HSA Fully Funded
Priority Health 1/1/2021 Self Ͳ Funded
Option #14 1400/2800
Option #15 2000/4000
Option #16 1400/2800
Option #17 2000/4000
Option #18 1400/2800
Option #19 2000/4000
Deductible
Coinsurance % Coinsurance Max Prescription 90 Day Supply
0%
0%
0%
0%
0%
0%
0%
0%
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
5/25/50 after ded 10/50/100 after ded
10/40/80 after ded 20/80/160 after ded
10/20/40 after ded 20/40/80 after ded
10/40/80 after ded 20/80/160 after ded
10/20/40 after ded 20/40/80 after ded
10/40/80 after ded 20/80/160 after ded
10/20/40 after ded 20/40/80 after ded
10/40/80 after ded 20/80/160 after ded
Office Visit Co Ͳ Pay Chiropractic/Max Visits
0% after ded
0% after ded
0% after ded
0% after ded
0% after ded
0% after ded
0% after ded
0% after ded
0% after ded / 60 comb
0% after ded / 60 comb
0% after ded / 60 comb
0% after ded / 60 comb
0% after ded / 12 visits
0% after ded / 12 visits
0% after ded / 12 visits
0% after ded / 12 visits
Urgent Care/Emergency Room
0% after ded 2250/4500
0% after ded 3000/6000
0% after ded 2050/4100
0% after ded 3000/6000
0% after ded 2050/4100 Fully Funded POS HSA 1400 Included
0% after ded 3000/6000 Fully Funded POS HSA 2000 Included
0% after ded 2050/4100
0% after ded 3000/6000
Out of Pocket Max Preventive Care
Included
Included
Included
Included
Included
Included
Fully Funded HMO HSA 1400
Fully Funded HMO HSA 2000
Notes:
Plan Design:
SBPPO HSA 1400 ASC
SBPPO HSA 2000 ASC
PPO HSA 1400 ASO
PPO HSA 2000 ASO
Decline to Quote: McLaren DirectCare, ASR, Lincoln Financial Ͳ Not Competitive
Note: Chiropractic Visit Max Combined With PT/OT
If sold, benefit adjustments available
Decline to Quote: Delta Dental Ͳ MESSA Agreement Pending Proposals: Blues Dental/Vision Ͳ expected 2/26/21
Fully Funded PPO Proposals Available w/ Estimated Combined Savings of $128,893
Total
Total
Illustrative Monthly $592.22 $1,421.32 $1,776.65 Cost
Total
Illustrative Monthly $535.22 $1,284.51 $1,605.64 Cost
Illustrative Monthly $597.17 $1,313.77 $1,731.78 Cost
Ilustrative Monthly $553.02 $1,216.64 $1,603.75 Cost
Carrier Monthly
Carrier Monthly
Carrier Monthly
Carrier Monthly
Enrolled
Enrolled Option 1
Enrolled Option 2
Cost
Cost
Cost
Cost
Single
52 37 41
18
34 29 34
$578.97 $1,273.73 $1,563.22
$515.83 $1,134.82 $1,392.74
$538.42 $1,184.52 $1,453.73
$480.02 $1,056.04 $1,296.05
Two Person
8 7
Family
Total Employees
130
33
97
% Difference from Current:
Ͳ 3.15%
Ͳ 1.30%
Ͳ 8.45%
Ͳ 11.12%
Ͳ 14.86%
Ͳ 17.29%
Monthly Total Cost: Annual Total Cost:
$34,467 $413,605
$110,040 $1,320,480
$33,382 $400,580
$108,613 $1,303,353 ($17,127) $1,703,933
$31,554 $378,646
$97,801
$29,344 $352,126
$91,012
$1,173,614
$1,092,138
Cost Change from Current:
($13,025)
($34,959)
($146,866) $1,552,260 Ͳ 10.49% ($181,825)
($61,479)
($228,342) $1,444,264 Ͳ 16.71% ($289,821)
$1,734,085 $291,200 $2,025,285
Estimated MMC HSA Contribution: Combined Illustrative Cost:
% Difference from Current: Cost Change from Current: Combined Illustr. Cost:
Combined Cost:
Combined Cost:
Ͳ 1.74%
% Difference from Current: Cost Change from Current:
% Difference from Current: Cost Change from Current:
($30,152)
Total Illustrative Cost + MMC HSA Contribution:
DISCLAIMERS
< Please read prior to making any decision >
Ͳ Rates do include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers). Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors.
Original Date: 2.18.21lr Modified Date:
DENTAL & VISION SUMMARY
Customer Name:
Mid Michigan College 40375/1008682 Ͳ 1001
Contract/Group Number:
Renewal Date:
1/1/2021
Group Options:
Current Plan
Option #1 Pending
Group Options:
Current Plan Self Ͳ Funded
Option #1 Pending
Option #2
Option #3
Option #4
Dental Class I Class II Class III Class IV
Vision Exam Lenses Frames Contacts Copay Allowance
Self Ͳ Funded
Fully Insured
Fully Insured
75% 75% 50% N/A
12 Month 12 Month 12 Month 12 Month
12 Month 12 Month 12 Month 12 Month
12 Month 12 Month 12 Month 12 Month
12 Month 12 Month 12 Month 12 Month
$10 Exam / $20 Materials $130 Frame / $130 Contacts Anti Ͳ Reflective at 100%
Annual Maximum
$1,000
$6 Exam / $18 Standard Lens $65 Frame / $90 Contact Lens
$5 Exam / $20 Materials $100 Frame / $100 Contacts
$10 Exam / $20 Materials $130 Frame / $130 Contacts
Deductible
$0
Notes: Notes:
TMJ $1,000 Annual Max Self Ͳ Funded w/ SET SEG ADN PPO 75/75/50
Notes:
$0.65 Admin Fee / 4 Yr Rate
$4.27 Admin Fee / 3 Yr Rate
2 Yr Rate
2 Yr Rate
Plan Design:
EyeMed 12/12/12
VSP Choice Plan C
VSP Choice Plan C
VSP Choice Plan C
Plan Design:
VSP quoted benefits with an effective date of 3/1/2021
Illustrative Monthly Cost
Illustrative
Illustrative
Total
Carrier Monthly
Total
Carrier Monthly
Carrier Monthly Cost $8.72 $13.32 $23.88
Carrier Monthly
Enrolled
Enrolled
Monthly Cost $3.83 $7.27 $10.67
Monthly Cost $6.68 $13.17 $21.08
(Annualized Claims + Admin Fee)
Cost
Cost
Cost
Single
48 47 56
$35.49 $78.68 $97.18
Single
66 44 41
$10.47 $15.98 $28.65
Two Person
Two Person
Family
Family
% Change from Current Contract:
Ͳ 100.00%
% Change from Current Contract:
Ͳ 100.00%
86.57%
111.92%
154.30%
Monthly Total Cost: Annual Total Cost:
$10,844 $130,123
$0 $0
Monthly Total Cost: Annual Total Cost:
$1,010 $12,122
$0 $0
$1,885 $22,616
$2,141 $25,688
$2,569 $30,825
Cost Change From Renewal
($130,123)
Cost Change From Renewal
($12,122)
$10,494
$13,567
$18,704
DISCLAIMERS < Please read prior to making any decision >
Ͳ Rates may/may not include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers) Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors.
Additional VSP FI quote available with copays of $20/$20
Delta Dental is not able to provide a proposal based on exclusive marketing agreement with MESSA regarding schools associated with MEA Bargaining Unit
Original Date: 2.23.21lr Modified Date:
Customer Name:
Mid Michigan College
Contract/Group Number:
GL 135927/LTD 109795/VG 648564
Renewal Date:
7/1/2020
Group Life/DI Options:
Dearborn Group Ͳ Alternate Option
Current Plan Design
Dearborn Group
Life
Class 1: Administrator: 1x Salary to $150k Class 2 : Faculty Member; $70k Class 3: Suppurt Staff; $40k Class 5: President; $250k or 5x Salary Class 1: Administrator; 1x Salary to $150k Class 2: Faculty Member; $70k Class 3 : Suppurt Staff; $40k Class 5: President; $250k or 5x Salary
Class 1: Administrator: 1x Salary to $150k Class 2 : Faculty Member; $70k Class 3: Suppurt Staff; $40k Class 5: President; $250k or 5x Salary Class 1: Administrator; 1x Salary to $150k Class 2: Faculty Member; $70k Class 3 : Suppurt Staff; $40k Class 5: President; $250k or 5x Salary
Class 1: Administrator: 1x Salary to $150k Class 2 : Faculty Member; $70k Class 3: Suppurt Staff; $40k Class 5: President; $250k or 5x Salary Class 1: Administrator; 1x Salary to $150k Class 2: Faculty Member; $70k Class 3 : Suppurt Staff; $40k Class 5: President; $250k or 5x Salary $1500 Max Weekly Benefit 14 day EP Accident / 14 day EP Illness Max Benefit Duration: 26 weeks to LTD 12 Month Pre Ͳ existing Exclusion
AD&D
Voluntary STD (Employee Paid)
LTD
Class 1: Administrator: 66 2/3% to $1,611 Monthly Class 2: Faculty Member: 66 2/3% to $3,000 Monthly Class 4: Support Staff: 66 2/3% to $2,167 Monthly
Class 1: Administrator: 66 2/3% to $1,611 Monthly Class 2: Faculty Member: 66 2/3% to $3,000 Monthly Class 4: Support Staff: 66 2/3% to $2,167 Monthly
Class 1: Administrator: 60% to $1,611 Monthly Class 2: Faculty Member: 60% to $3,000 Monthly Class 4: Support Staff: 60% to $2,167 Monthly
EP 180 days / to Duration Limit or SSNRA
EP 60 days / to Duration Limit or SSNRA
EP 60 days / to Duration Limit or SSNRA
Voluntary Life/AD&D
EE & Sp: $10k increments to $500k or 10x Salary
EE & Sp: $10k increments to $500k or 10x Salary
EE & Sp: $10k increments to $500k or 10x Salary
GI: EE $30k; Sp $20k
GI: EE $30k; Sp $20k
GI: EE $30k; Sp $20k
Child: 14d Ͳ 6m: $1k; 6m Ͳ 26y: $2500 inc to $10k
Child: 14d Ͳ 6m: $1k; 6m Ͳ 26y: $2500 inc to $10k 2 Year Rates Ͳ Proposal Effective 7/1/2021 Fully Insured Ͳ Voluntary Life rates match current
Child: 14d Ͳ 6m: $1k; 6m Ͳ 26y: $2500 inc to $10k 2 Year Rates Ͳ Proposal Effective 7/1/2021 Fully Insured Ͳ Voluntary Life rates match current
Rate Guarantee
1 Year
Notes:
Self Ͳ Funded w/ SET SEG
In the event of a death, STD or LTD the employer will have a admin kit with all of the necessary forms to fill out and a toll Ͳ free # A notarized death certificate must be present at the time of submitting a claim. Age Benefit Reduction Schedule: Current Volume Contract Carrier
Carrier $0.150 $0.020 $0.245
Life/$1,000 AD&D/$1,000
$9,200,000 $9,200,000 $665,333
$0.150 $0.020 $0.210
$0.150 $0.020 $0.424
LTD/$100
Total Monthly Cost Total Annual Cost:
$2,961.20 $35,534.39
$4,385.01 $52,620.14
$3,194.07 $38,328.79
$17,085.75
$2,794.40
Cost Change From Renewal
DISCLAIMERS < Please read prior to making any decision > Ͳ Rates do include estimated federal and state taxes, fees and assessments. Ͳ All carriers reserve the right to adjust rates if any of the assumptions or calculations used in the quoting process are incorrect. Final rates are determined by the underwriting carrier based on actual group enrollment and participation. This is only a brief summary of benefits, it is not a contract. Additional limitations and exclusions may apply. If there is a discrepancy between this document and any applicable plan document, the plan document will control. Ͳ Census based on most current membership numbers available. Ͳ Administrative fees may apply. Pre Ͳ existing conditions, participation rules, and medical underwriting rules may apply prior to final rates (not included above). Ͳ Plan design above shows In Ͳ Network comparisons only. See specific plan benefit summary sheets for out of network. Ͳ All benefit changes are subject to underwriting approval. Exceptions may apply with prior underwriting approval of union contract. Ͳ Please allow a minimum of 45 Ͳ 60 days for a benefit change (varies based on carriers) Ͳ This is not a binder of coverage, please do not cancel current coverage until final approval is given by new carrier. Ͳ HRA Illustrative rates are not a guarantee of performance. Results may vary. Ͳ 44North is not responsible for typographical errors.
Original Date: 2.23.21lr Modified Date: 2.24.21lr