Introduction to CSAC EIA EIAHealth & EIA Dental … Berry √ Special District Risk Management...

Copyright © 2011 Alliant Insurance Services, Inc. Confidential; not for distribution 1

Introduction to CSAC EIA EIAHealth & EIA Dental Program

Joint Labor Management Benefits Committee

Tom Sher, First Vice President - Alliant Insurance Services

Catharine Mauldin, Employee Benefits Manager – CSAC EIA

October 20, 2011

http://www.co.sonoma.ca.us/�


CSAC-EIA EIAHealth & EIA Dental Table of Contents Section 1: EIAHealth Overview Section 2: EIAHealth Benefits Administration Section 3: EIAHealth Plan Design and Flexibility Section 4: CSAC EIA - Alliant’s Role Section 5: EIAHealth Program Advantages for Sonoma County Section 6: EIAHealth Rating Methodology Section 7: Sonoma County - Demographic Analysis Section 8: EIAHealth Implementation Timeline Section 9: CSAC EIA Dental Section 10: Sonoma County – Dental Plan Overview Section 11: Delta Dental PPO + Premier Section 12: EIA Dental Financial Analysis Exhibit A: EIAHealth Renewal Rating Methodology


EIAHealth is a Joint Purchasing Program that offers: Savings from self-insurance and wholesale insurance purchasing Guaranteed monthly rates based on shared risk approach Governance by public employers

EIAHealth has been offered to Counties, Cities and Special Districts since 2003

EIAHealth is one of the largest pooled purchasing alternatives to CalPERS

Membership has grown to over 18,000 employees in 2011

EIAHealth is a “Good-Risk Pool” Only groups that meet established underwriting requirements are quoted

Combined risk pool of over 80,000 employees

CSAC-EIA EIAHealth pools risk by contract with SISC (Self Insured Schools of California) CSAC-EIA and SISC cover over 380 employers in 40 Counties Second largest purchasing coalition in the state after CalPERS

Section 1: CSAC-EIA EIAHealth Overview


Section 1: CSAC-EIA EIAHealth EIAHealth Member List

EIAHealth Members Member Since Number of Employees/Retirees(estimated)

Merced County 7/1/2003 3,000Tehama County 7/1/2003 700Calaveras County 1/1/2004 360City of Visalia 1/1/2005 760City of Merced 10/1/2005 700City of Santa Rosa 7/1/2006 490Small Group Programs * 8/1/2006 1,650City of Redding 5/1/2007 1,080City of Irvine 1/1/2008 700City of Yuba City 1/1/2008 200Santa Barbara County 1/1/2010 4,700City of Huntington Beach 1/1/2010 460City of Oceanside 1/1/2010 650Superior Court Santa Barbara 1/1/2010 300Lake County 1/1/2011 800Superior Court Riverside 1/1/2011 350City of Chico 2/1/2011 460El Dorado County 7/1/2011 900Turlock Irrigation District 1/1/2012 500Total 18,760

* Small Group Programs includes:County of SierraGolden State Risk Management Authority (GSRMA)Special District Risk Management Authority (SDRMA)Otay Water DistrictShasta Superior CourtStanislaus Superior CourtCity of AtascaderoPlacer Superior CourtEl Dorado Superior Court

City of Oroville


Section 1: CSAC-EIA EIAHealth PPO Renewal History

Plan Year EIAHealth * CA PPO Trend

2004 10.00% 10.00%2005 7.20% 11.00%2006 8.82% 10.00%2007 0.00% 11.00%2008 8.50% 10.00%2009 4.35% 10.00%2010 3.10% 10.00%2011 11.80% 12.00%2012 6.40% 10.00%

9-Year Average (2004-2011) 6.69% 10.47%

* EIAHealth % increase represents overall program increase and does not reflect individual participant adjustments


CSAC-EIA members own and run the program

CSAC-EIA Board includes County, City & Special District membership

Each CSAC-EIA program has a committee structure that manages the individual program

The EIAHealth committee has 9 members that: Meet bi-monthly Discuss policies Approve prospects Discuss underwriting Discuss administration of the program

All Program members typically attend all Committee Meetings

Each participating entity maintains autonomy for:

Benefit decisions Collective bargaining process Retiree benefits and rules Administrative choice

Section 1: CSAC-EIA EIAHealth EIAHealth Governance


EIAHealth Members Number of Employees/Retirees(estimated) Member Names Voting

Member?

Santa Barbara County 4,700 Andreas Pyper √Golden State Risk Management Authority (GSRMA) Dan Berry √Special District Risk Management Authority (SDRMA) Gregory S. Hall (Alternate)City of Visalia 760 Eric Frost √Merced County 3,000 James Brown √City of Santa Rosa 490 Lynne Margolies √City of Merced 700 Rosa Winzer (Chair) √Tehama County 700 Sally Hacko (Alternate - Vice Chair)City of Redding 1,080 Sheri DeMaagd (Public Entity Representative) √

1,650

Section 1: CSAC-EIA EIAHealth EIAHealth – Committee Member List


The EIAHealth Program fully-funded rates include full benefits administration including: Eligibility Maintenance Consolidated Billing Retiree Billing & Administration COBRA Administration Flexible Spending Account Administration

Section 2: CSAC-EIA EIAHealth Benefits Administration


EIAHealth Plan Design Structure & Options HMO, EPO & PPO options with custom plan designs

Blue Shield or Blue Cross Provider Network Kaiser HMO can be offered alongside EIAHealth plan options

Pharmacy benefits through Medco Largest Pharmacy Benefit Manager (PBM) Lower unit cost of drugs Lower dispensing fees and administration costs Drug Rebates delivered back to the Program Patient Safety and Clinical Management Programs

EIAHealth requires a 3 year participation requirement

EIAHealth offers complete flexibility in plan design and rate allocation, e.g. between actives and retirees This allows Sonoma County to retain local control of plan design with less financial

risk County may subsidize rates with accumulated surplus

Section 3: CSAC-EIA EIAHealth Plan Design and Flexibility


Section 4: CSAC-EIA EIAHealth What is Alliant’s Role in the EIAHealth Program? Alliant Insurance Services Role:

31 year consulting relationship with EIA

Scope of work includes:

Create, build and negotiate wholesale insurance programs available to all participating

members

Provide advice, service and recommendations to participating employers

Underwriting

Marketing support

Support EIA committee meetings

Provide implementation, vendor management and service support

Alliant receives revenue from EIA for Underwriting and Program Management services


In EIAHealth the County will pay fully-insured equivalent rates Eliminates the need for an Incurred-But-Not-Reported (IBNR) claims reserve

After claims run-out, the balance of IBNR reserves become available IBNR is included in the EIAHealth fully-insured equivalent rates, so the County no longer

has to budget, maintain or report on IBNR

Eliminates requirement for a separate stop loss insurance contract With EIAHealth, Stop Loss is included in the fully insured equivalent rates

Large claims are pooled with 80,000 members

Billing & Eligibility Administration Included in the EIAHealth rates The County can choose to have all lines of coverage included in the Benefits

Administration platform

COBRA/FSA Administration Included in the County’s EIAHealth rates The County can choose to have COBRA Administration included for all other lines of

coverage

Section 5: CSAC-EIA EIAHealth EIA Health – Program Advantages – Sonoma County


The EIAHealth program has a January 1st Effective Date

The EIAHealth program will accommodate any rate structure: Composite Tiered Medicare split, etc…

Pooled renewal Increase for all members (for groups with claims experience) 3rd year increase can be adjusted based on loss allocation mechanism

Loss ratio of Sonoma County compared to loss ratio of the overall EIAHealth program

Pool increase can be adjusted plus or minus 7.5%

Section 6: CSAC-EIA EIAHealth Rating Methodology

2012 2013 2014 2015EIAH rates are specific to XYZ

XYZ receives pool increase

XYZ receives pool increase

XYZ receives pool increase subject to

annual CPRA adjustment

EIAHealth Rating Methodology - with Claims Experience

*CPRA = Claims Performance Review Adjustment


Section 7: Sonoma County Plan Enrollment Distribution

Demographics By Plan

Plan ActiveRetirees

under 65Retirees Over

65 Retirees Genderenrolled enrolled enrolled % of enrolled Average Age Contract Size Under 65 M F

County Plan - PPO 347 559 975 1881 32.1% 66 1.37 30% 42% 58%AARP 0 2 77 79 1.3% 71 1.40 3% 37% 63%

County Plan - EPO 66 50 8 124 2.1% 55 1.90 40% 48% 52%County Plan -HDHP 1 0 0 1 0.0% 50 1.00 0% 0% 100%

KAISER 2594 617 4 3215 54.9% 48 1.99 19% 45% 55%Kaiser Medicare 0 70 483 553 9.4% 70 1.42 13% 44% 56%

Total: 3008 1298 1547 5853 All plans: 1.73 22%

Enrolled: ActiveRetirees

under 65Retirees over

65% 51% 22% 26%

Gender

ActiveRetirees

under 65Retirees Over

65 Total Waived Average AgeRetirees

Under 65 M FWaived 316 0 0 316 47 0% 33% 67%

Total Enrolled:Total Waivers:

Total Group Size/Total Eligible:Current Participation %: 95%

Group as a whole

3166169

Enrollment by Plan

Total Enrolled in each plan

5853

Total Waived - Analysis

Group Totals


Section 7: CSAC-EIA EIAHealth EIAHealth – Sonoma County Demographic Analysis


Section 7: CSAC-EIA EIAHealth Quote Caveats – Sonoma County

Final acceptance of Sonoma County into the EIAHealth Program is subject to approval by the EIAHealth Program Committee Most recent possible claims and enrollment data will be required The Committee will review enrollment for all County plans including Kaiser

prior to final rate setting

Firm rates will be provided in 2012 upon Committee approval

tial; not for distribution

1 1

Section 7: CSAC-EIA EIAHealth Kaiser vs. County Plan

Enrollment By Age Group

Category Kaiser Population % of all County_Plans % of all

Under 25 14 0.4% 2 0.1%

25 to 29 156 4.1% 7 0.3%

30 to 34 309 8.2% 21 1.0%

35 to 39 319 8.5% 24 1.2%

40 to 44 425 11.3% 33 1.6%

45 to 49 465 12.3% 94 4.7%

50 to 54 498 13.2% 147 7.3%

55 to 59 561 14.9% 264 13.2%

60 to 64 494 13.1% 410 20.4%

65 to 69 261 6.9% 353 17.6%

70 and over 266 7.1% 651 32.5%

3768 2006

Copyright © 2011 Alliant Insurance Services, Inc. Confiden

Kaiser Total % of all County_Plans % of all Male 1,705 45.2% 846 42.2%

Female 2,063 54.8% 1160 57.8%

Average Age 51.1 65.4

Early Retiree % 18.23% 30.36%

Members/Subscriber 1.90 1.41

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0% Age Group Comparison

Kaiser Population County_Plans

Copyright © 2011 Alliant Insurance Services, Inc. Confidential; not for distribution 17 17

Section 7: Possible Evolution of Plan Costs: 2011-2012

PEPY


Section 8: CSAC-EIA EIAHealth EIAHealth – Implementation Timeline – Sonoma County

High level Timeline for 761/2012 Marketing & EIA Health Implementation (subject to fluctuation)

Census Analysis for “estimated” EIAHealth rates September

CSAC-EIA Committee Approval October

Census Analysis for “final” rates February (Alliant needs claims through February for 6/1/2012 rates)

County Review of final Proposal February 15

Unions Review of final Proposal* Late February

Final County decision March 1st

Implementation “Kick-Off” March 1st

Communications Development March 15th

Enrollment System set-up & Testing April 1st

Open Enrollment April-May

Files to Carriers May 1st

ID Cards May 15th


Section 9: CSAC-EIA Dental Program Overview

Currently, the County is fully insured with Delta Dental

The County’s Dental benefit for Active Employees is the Delta Dental Premier Plan

The County’s Dental benefit for Retirees is the Straight PPO Plan with Delta Dental

Alliant was tasked with obtaining a CSAC-EIA Delta Dental quote for the County for the 2012 plan year CSAC-EIA provides Delta’s lowest administrative fees Over 100 public agencies participate representing over 60,000 public agency

employees Sonoma County employees and retirees have the flexibility to visit any licensed dentist

A Delta Dental PPO dentist A Delta Dental Premier dentist A dentist who does not participate with Delta Dental

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Section 9: CSAC-EIA Dental Program Overview

Alliant requested a fixed rate quote through the CSAC-EIA Dental Program with Delta Dental for a June 1, 2012 effective date Provided a quote for the Delta Dental Mixed PPO plan for Active Employees (5.7% savings vs. current)

Provided a quote for the Delta Dental Straight PPO plan for Retirees (11.5% savings vs. current)

Mixed PPO – Active Employees

As compared to the current plan for Active Employees, the Delta Dental Mixed PPO & Premier networks will provide savings to the County and to Active employees

Sonoma County will pay less in claims costs due to savings from deeper discounts with Delta PPO providers

Employees currently using Premier or PPO providers would realize savings in out-of-pocket costs

The Mixed PPO Plan Design for Active Employees provides an incentive for PPO Participating Dentists

An Additional $100 of Calendar Year Maximum is provided when PPO dentists are utilized

There is no benefit change if individuals continue to utilize Premier or non-Delta dentists

Retiree PPO and DHMO plans There are no proposed Plan Design changes for the Sonoma County Retiree dental plans

The DHMO plan will remain direct with Delta Dental

Alliant will obtain DHMO renewal rates in November/December

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Section 10: Sonoma County Plan Designs Delta Dental Premier- Actives

21

Dental Benefits Delta Dental Premier

Actives - Division 1124

Renews June 2012Calendar Year Maximum $3,000Calendar Year Deductible NoneIndividual (Waived for Preventive) Diagnostic and PreventiveOral Exam X-RaysTeeth Cleaning Basic ServicesAmalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor ServicesCrown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants)OrthodonticsAdult and Child(ren) 50%Ortho Calendar Year Maximum $3,000

80%

80%

80%

80%

Current


Section 10: Sonoma County Plan Designs Delta Dental Straight PPO- Retirees

22

* Out of network benefits payment based on Delta Dental’s PPO regionalized fee allowance.

Dental Benefits Delta Dental Straight PPO

Retirees Renews June 2012

PPO Premier / Non-Delta

Calendar Year Maximum $1,000 $1,000Calendar Year Deductible $50Individual (Waived for Preventive) Diagnostic and Preventive 100% 100%Oral Exam X-RaysTeeth Cleaning Basic Services 80% 80%Amalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor Services 50% 50%Crown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants) 50% 50%OrthodonticsAdult and Child(ren) N/A

Current


Section 10: Sonoma County Plan Designs Delta Dental DHMO- Retirees

23

Current

Dental Benefits Delta Dental DHMO

RetireesRenews June 2012

Deductible $0Diagnostic and Preventive 100%Oral Exam X-RaysTeeth Cleaning Basic Services 100%Amalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor Services $0 - $90Crown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants) $10 - $175Orthodontics*Child $1,600Adult $1,800

*For 24-month treatment, plan pays 100% thereafter. $75/month member copay for treatment after 24 months.


Section 10: Delta Dental PPO Plus Premier Overview Sonoma County Current PPO Utilization- ACTIVES

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The utilization report below shows the County’s current utilization for Active Employees for both PPO & Premier providers


Section 10: Delta Dental PPO Plus Premier Overview Sonoma County Current PPO Utilization- RETIREES

25

The utilization report below shows the County’s current utilization for Retirees for both PPO & Premier providers


Section 11: Delta Dental PPO Plus Premier Overview Sonoma County PPO Utilization

26

The summary below is based on actual provider counts in Sonoma County Out of 496 Unique Dentists in the County:

187 (38%) are in the Delta Dental PPO Network 428 (86%) are in the Delta Dental Premier Network (also includes PPO Dentists)

241 (49%) are Premier Only (428 minus 187) 68 (14%) are not in the Delta Dental Network

Access Points

Unique Dentists

Unique Facilities

Access Points %

Unique Dentists %

Unique Facilities %

Access Points %

Unique Dentists %

Unique Facilities %

Endodontists 29 24 20 27 93.10% 22 91.67% 19 95.00% 27 93.10% 22 91.67% 19 95.00%

General Dentists 386 358 241 323 83.68% 301 84.08% 210 87.14% 98 25.39% 91 25.42% 49 20.33%

Oral Surgeons 42 37 19 41 97.62% 36 97.30% 19 100.00% 41 97.62% 36 97.30% 19 100.00%

Orthodontists 41 31 25 39 95.12% 29 93.55% 25 100.00% 10 24.39% 10 32.26% 4 16.00%

Pediatric Dentists 21 17 14 16 76.19% 12 70.59% 13 92.86% 3 14.29% 2 11.76% 3 21.43%

Periodontists 34 28 24 34 100.00% 28 100.00% 24 100.00% 34 100.00% 28 100.00% 24 100.00%

Prosthodontists 3 3 3 2 66.67% 2 66.67% 2 66.67% 0 0% 0 0% 0 0%

Total 556 496 306 482 86.69% 428 86.29% 276 90.20% 213 38.31% 187 37.70% 96 31.37%Unique dentists and unique facilities totals DO NOT reflect the sum of the counts by specialty. If a dentist or facility has more than one specialty, the dentist or facility will only be counted once.

Results for Sonoma County, CA

Delta Dental

Specialty

NPF Total Delta Dental Premier® Delta Dental PPO


Section 11: Delta Dental PPO Plus Premier Overview Straight vs. Mixed PPO

Services under the Delta PPO network provide cost savings to the employee and the County with deeper discounted fees for services. Delta is unique in that they have a second network of participating dentists in the “Premier Network”. Within the PPO and Premier Networks, members can access up to 86% of the dentists in Sonoma County with cost protection and no balance billing (exceptions apply – see below).

Mixed PPO (Current) vs. Straight PPO (Option)

38% (187*) of dentists

* Provider counts shown above are specific to Sonoma County

Delta PPO Network

Delta Premier Network

Non Network

Delta contracted fee (25% less) Negotiated fee schedule

Mixed PPO: Cost Protection/No Balance Billing

Straight PPO: Cost Protection/with Balance Billing up to the Premier Contracted Fee

Delta PPO

14% (68*) of dentists 49% (241*) of dentists

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Section 11: Dental Financial Summary CSAC-EIA Fixed Rate Dental PPO Proposal

28

*Rates include Alliant Program Management Fee of $0.75 PEPM and PBIA Eligibility Fee of $0.45 PEPM

SONOMA COUNTY DENTAL PLANSEffective Date: 6/1/2012

ACTIVES- COMPOSITE Current-Delta Premier

Proposed-Mixed PPO

Renews June 2012

Division 1124 $136.01 $128.27Monthly Premium (Estimated) $441,352 $416,231Annual Premium (Estimated) $5,296,229 $4,994,777

Percentage Change -5.7%

RETIREES Current-Delta Straight PPO

Proposed- Match Current

Renews June 2012

Single $38.94 $34.47Tw o Party $74.39 $65.85

Family $123.45 $109.28Total/Composite $55.82 $49.41

Monthly Premium $34,384 $30,437

Annual Premium $412,608 $365,241


ALL COMBINED

Monthly $475,736 $446,668Annual $5,708,838 $5,360,019



Section 11: Dental Financial Summary Active Mixed PPO – Fixed Rate Proposed Plan Designs

29

Effective Date: June 1, 2012

Dental Benefits Delta Dental Premier CSAC-EIA Delta Dental Mixed PPO

Actives - Division 1124 Actives - Division 1124

Renews June 2012 PPO Premier / Non-Delta

Calendar Year Maximum $3,000 $3,100 $3,000Calendar Year Deductible None NoneIndividual (Waived for Preventive) (Waived for Preventive)Diagnostic and Preventive 80% 80%Oral Exam X-RaysTeeth Cleaning Basic Services 80% 80%Amalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor Services 80% 80%Crown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants) 80% 80%OrthodonticsAdult and Child(ren) 50% 50%Ortho Calendar Year Maximum $3,000 $3,000

Note: This summary is for informational purpose only. It does not amend, extend, or alter the current policy in any way. In the event information in this summary differs from the Plan Document, the Plan Document will prevail.

80%

80%

80%

80%

Current Proposed


Section 11: Dental Financial Summary Retiree Straight PPO – Fixed Rate Proposed Plan Designs

30 * Out of network benefits payment based on Delta Dental’s PPO regionalized fee allowance.


Dental BenefitsDelta Dental Straight PPO

CSAC-EIA Delta DentalStraight PPO

Retirees Retirees Renews June 2012

PPO Premier / Non-Delta PPO Premier / Non-Delta

Calendar Year Maximum $1,000 $1,000 $1,000 $1,000Calendar Year Deductible $50 $50Individual (Waived for Preventive) (Waived for Preventive)Diagnostic and Preventive 100% 100% 100% 100%Oral Exam X-RaysTeeth Cleaning Basic Services 80% 80% 80% 80%Amalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor Services 50% 50% 50% 50%Crown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants) 50% 50% 50% 50%OrthodonticsAdult and Child(ren) N/A N/A


Current Proposed


Section 11: Dental Financial Summary Retiree DHMO – Fixed Rate Proposed Plan Designs

31


Current Proposed

Dental Benefits Delta Dental DHMO CSAC-EIA Delta Dental DHMO

Retirees RetireesRenews June 2012

Deductible $0 $0Diagnostic and Preventive 100% 100%Oral Exam X-RaysTeeth Cleaning Basic Services 100% 100%Amalgam/Composite FillingsSealantsPeriodontics (Gum disease)Endodontics (Root Canal)Extractions & Other Oral SurgreyMajor Services $0 - $90 $0 - $90Crown RepairRestorative - Inlays and CrownsComplex Oral SurgeryProsthodonticsAll Prosthodontic (including Implants) $10 - $175 $10 - $175Orthodontics*Child $1,600 $1,600Adult $1,800 $1,800


*For 24-month treatment, plan pays 100% thereafter. $75/month member copay for treatment after 24 months.


Public Entity Benefits Group 100 Pine Street, 11th Floor San Francisco, CA 94111


Exhibit 1: EIA Health Renewal Methodology

Overview

Step 1: Calculate Renewal for Entire Pool: Pool Average Renewal

Step 2: Evaluate Claims vs. Premiums for Each Group Within Program

Step 3: Adjust Each Group’s Renewal from Pool Average Renewal based on Step 2 Results



Step 1

Group A Group B Group C Group D Group E TOTAL

Projected Claims $500 $450 $800 $900 $650

Projected Fixed Costs $55 $55 $55 $55 $55

Total Projected Cost $555 $505 $855 $955 $705

Current Premium $480 $490 $765 $825 $700

Renewal Change % 15.6% 3.1% 11.8% 15.8% 0.7% 8.9%

Calculate the renewal for all members of the pool: the Pool Average Renewal



Step 2


Average Loss Ratio 98% 88% 94% 97% 85% 92%

Variance from Pool Total Loss Ratio +6% -4% +2% +5% -7%

Tolerable Loss Ratio Variance ±8% ±2% ±4% ±6% ±8%

Evaluate Claims vs. Premium for each group within Pool

• Large claims are removed from loss ratio calculation for each member based on a group specific ‘pooling point’.

• Loss ratio calculation uses up to three years of historical experience for statistical smoothing purposes.

• Tolerable Loss Ratio Variance is based on group size: • smaller groups have a greater tolerable variance, • larger groups have a lower tolerable variance.



36

Step 3


Pool Average Renewal 8.9% 8.9% 8.9% 8.9% 8.9% 8.9%

Adjustment (based on Step 2) 0% -2% 0% 0% 0%

Final Renewal (balanced) 9.1% 6.9% 9.1% 9.1% 9.1% 8.9%

Adjust each groups’ renewal from Pool Average Renewal based on determination in Step 2

• The Pool Average Renewal is used as the starting point for all members

• Based on the analysis in Step 2, a group’s specific renewal may be adjusted up or down from the Pool Average Renewal

• A floor and ceiling adjustment is established by CSAC to ensure no group is subject to an excessively high renewal

• The final renewal for all non-adjusted members must balance so that the entire pool

remains financially whole

Introduction to CSAC EIA EIAHealth & EIA Dental … Berry √ Special District Risk Management...

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Transcript of Introduction to CSAC EIA EIAHealth & EIA Dental … Berry √ Special District Risk Management...