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12-14-2006 HUCM Special Meeting December 14, 2006 Members present; Secretary David Wetterling; Commissioner Steven Cook; Commissioner Dwight Bordson; General Manager Michael Kumm Members absent: President Craig Lenz; Vice President Don Walser; Attorney Marc Sebora Secretary Wetterling called the meeting to order at 4:08 pm. Jan Sifferath presented the health insurance proposal. After looking at many plans, we have narrowed it down to three. Our current plan which is the self-funded plan is no longer an option. We are too small. Meetings have been held with staff, and the union has had meetings also. We all agreed on option IV - a fully insured plan. Our increase would be 5.8% instead of 34.5% which is what it would be if we stayed self-insured. Our recommendation is to approve option IV - a fully insured plan. After discussion, Commissioner Bordson made a motion to approve health insurance option IV fully insured plan. Commissioner Cook seconded the motion and it passed unanimously. The fully insured plan would be separated into two departments, remaining identical in coverage: union and non-union. Discussion took place regarding resolving the deficit. It'll take some time before all the claims are in to know what the total deficit will be. Paying off the deficit will have an impact on retirees, non-union (staff), and members of IBEW. By the summer of 2007, we should know what the total deficit is, then we can start working on a formula, and come up with a payment scheme as to how much each group will be responsible for. Commissioner Bordson made a motion to adjourn the meeting at 4:25 p.m. Commissioner Cook seconded the motion and it passed unanimously. David Wetterling, Secretary ATTEST Dwight Bordson, Commissioner Special Meeting December 14, 2006 Members present; Secretary David Wetterling; Commissioner Steven Cook; Commissioner Dwight Bordson; General Manager Michael Kumm Members absent: President Craig Lenz; Vice President Don Walser; Attorney Marc Sebora Secretary Wetterling called the meeting to order at 4:08 pm. Jan Sifferath presented the health insurance proposal. After looking at many plans, we have narrowed it down to three. Our current plan which is the self - funded plan is no longer an option. We are too small. Meetings have been held with staff, and the union has had meetings also. We all agreed on option IV — a fully insured plan. Our increase would be 5.8% instead of 34.5% which is what it would be if we stayed self- insured. Our recommendation is to approve option IV — a fully insured plan. After discussion, Commissioner Bordson made a motion to approve health insurance option IV fully insured plan. Commissioner Cook seconded the motion and it passed unanimously. The fully insured plan would be separated into two departments, remaining identical in coverage: union and non - union. Discussion took place regarding resolving the deficit. It'll take some time before all the claims are in to know what the total deficit will be. Paying off the deficit will have an impact on retirees, non -union (staff), and members of IBEW. By the summer of 2007, we should know what the total deficit is, then we can start working on a formula, and come up with a payment scheme as to how much eachgroup will be responsible for. Commissioner Bordson made a motion to Commissioner Cook seconded the motion and it ATTEST 01�� v Dwight Bgrrdson, Commissioner the meeting at 4:25 p.m. ianimously. cling, Secretary 51 RLITI Hutchinson Utilities Commission 225 Michigan Street Hutchinson Minnesota 55350 To: Hutchinson Utilities Commission From: Mike Kumm, General Manager Re: Health Insurance Coverage Date: December 12, 2006 Dear Commissioners: As you are aware, the purpose of this meeting is for the commission to decide on options available to Hutchinson Utilities as it relates to Health Insurance. Tel 320 - 587 -4746 Fax 320 - 587 -4721 Several options have been explored (maybe as many as 40). The options were evaluated, and `weeded out' until we arrived at the three options you have in your packet. After thorough evaluation, staff is recommending that the one in the middle, or option IV be selected. This is very similar to our existing plan, in addition the IBEW has voted on this option, and has selected IV also. lyk Mike Kumm General Manager Craig Lenz President Donald Walser Vice President David Wetterling Secretary Steve Cook Commissioner Dwight Bordson Commissioner Michael Kumm General Manager Tel 320 - 587 -4746 Fax 320 - 587 -4721 t ai a 0 0 cq a .a a� a 8 O v L W CD Lr 7 O V w O w O ;a w y a w 0 w ° C� L: y O O G O b b C O O 8 h y C O y H is H � L d 0 O L o � `O cis a• O O O ed 06 h en 2 O O O M ap M r e N Q e tC O O O H O O� N d O 69 .6 V FA 65 O .—+ Vn 65 69 f^ O� � 69 .� 69 69 6 O 0 � .. ti N� b5 6R bA Ge� (A kn 6M fi11 b1') 6H 6A Y! 69 + A 0 �b b 0-0 r^ O O O O O A A i A y p C >a is ai tE W kn .�+ � N M a 69 O p 0 e0 0 Q6 0 a 0 0 pis O O O h M kn ON 0� e O a =i U O0-4 M r1NN�.� U i- 4 � � v3 6H 6R ,� Wf, 66 00 po 5A 00 .� 6A 69 69 69 69 69 69 Y! bA + 1�1 W� F Z z�a E o O� od 0 00 eq� Q y O O O 4n O o d O O o 00 .- r N O M O 1n ti 65 65 O oo ti ds rr V5 0 0 .-� 65 kn 69 O CL 00 .» '-+ N 69 69 N 69 00 6» 65 66 Q y ca S S O O � W W cc W O po > y w W "� E A O 0.0 0.4 L Ewa O ya „ vow H F- ai a 0 0 cq a .a a� a 8 O v L W CD Lr 7 O V w O w O ;a w y a w 0 w ° C� L: y O O G O b b C O O 8 h y C O y H is H X -Ray and Other Imaging _ t wnen you receive coverea services atter Urgent or Emergency Care . deductible has been met, MIC PAYS: Preventive Care' 11111, 80% after in- network deductible. • Routine Physical & Eye Exams J No Coverage • Immunizations, Well Child 60% Care, Cancer Screenings and x 80% after in- network deductible. Allergy Shots ' 60% Office Visits • Illness or Injury y „ „ 60% • Chiropractic Care .„ 60% Limited to 15 visits per member, per year. • Physical, Occupational & 60% Speech Therapy • Mental Health and Substance 60% Abuse Prescription Drugs _ . ' Up to a 31-day supply per prescription ;dal 60 %. Member pays the greater of 40% or a $50 i� copayment per prescription unit. WMI patient Hospital Services I Limited to 120 days per member, per year. Facility 60% Physician y 60% Mental Health and Substance ,11 X'4 e 60% Abuse_ Outpatient Hospital Services • Facility 60% • Physician ,, of a 0 60 /o Lab and Pathology "r "' 60% X -Ray and Other Imaging _ "_� `° 60% Urgent or Emergency Care . • Urgent Care Center 11111, 80% after in- network deductible. • Hospital Emergency Room 800/c after in- network deductible. • Emergency Ambulance x 80% after in- network deductible. Durable Medical Equipment and ;:` 60% Prosthetics Home Health Care y „ „ 60% © 2005 Medica. Medics is a registered service mark of Medica Health Plans. "Medics" refers to the family of health plan businesses that includes Medica Health Plans, Medica Health Plans of Wisconsin, Medica Insurance Company, and Medica Self- Insured. 7/1/06 MEDICA. Out of Network Coverage " C verage is limited to the non - network provider reimbursement amount (as defined in your Certificate of Coverage) after deductible is met. • If you decide to utilize your Out -of- Network Benefits, you may pay more than you would for In- Network Benefits. The amount you pay could Include a percentage coinsurance, a fixed dollar copayment and/or deductible amount. In addition, if the amount that your non- - network provider bills you is more than the non- network provider reimbursement amount (as defined in your Certificate of Coverage) you are responsible for paying the difference, and such difference will not be applied toward the Out -of- Pocket Maximum. Exclusions and Limitations to Coverage The following is a list of some of the - Cosmetic Surgery - Custodial supportive care and self -care or self - services and supplies that are - Refractive eye surgery. help training. excluded from coverage. When you - Exams for employment, insurance, administrative - Educational classes, programs enroll, the Certificate of Coverage you proceedings, research or licensure. or seminars. - receive rovide a more complete Personal convenience Items and some non - durable - Services prohibited by law or regulation. will and ive w l list of exclusions. Please - supplies. - Services for which coverage is available under A drug, device or medical treatment or procedure worker's compensation, employer liability or any reefer to your Certificate of Coverage that is investigative or not a covered health service. similar law. for specific information about excluded - Contact Customer Service at 952- 945 -8000 (Minneapolis /St. Paul metro area), 952 - 992 -3190 (Minneapolis /St. Paul metro area individuals with hearing impairments), 800 - 952 -3455 (outside of Minneapolis /St. Paul metro 'area), or 800 - 841 -6753 (outside of Minneapolis /St. Paul metro area individuals with hearing impairments) for more information or answers to specific questions. This health care plan may not cover ail your health care expenses; read your Certificate of Coverage carefully to determine which expenses are covered. This is a benefit summary only and does not outline all of your benefits. If there is a discrepancy between Information in this summary and your Certificate of Coverage, the Certificate of Coverage will take precedence in determining your benefits. 0 2005 Medim. Medicae is a registered service mark of Modica Health Plans. "Modica` rah" to the family of health plan businesses that includes Modica Health Plans, Modica Health Plans of Wisconsin, Modica Insurance Company, and Medics Sek- Insured. 7 11= MEDICA.