(Studies the manners and mechanisms to provide cost-
effective and fiscally sustainable benefits to the Peralta
community of active employees, retired employees and
their eligible dependents)
December 8, 2016
Health Benefits Fringe
Committee
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Agenda
I. Save the Dates/Announcements/ Upcoming Open Enrollments & Other Reminders: Benefits
I. Part Time Hourly Faculty Open EnrollmentII. Medicare open enrollmentIII. Flexible Benefit Plan EnhancementsIV. Kaiser Reimbursement V. Medicare Reimbursement
II. Dependent Eligibility Audit Update
III. Upcoming Surveys: Benefits Office
I. Benefits Office Activities
II. Benefits Office Services
IV. Health & Wellness Risk Assessment plan for Spring 2017
V. ACA Update-Alliant
2
Benefits Department
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Peralta Benefits HomepageUpdates posted: (http://web.peralta.edu/benefits)
4
© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
Save-the-Dates Upcoming Open Enrollments & Other Reminders
5
Event Window Audience Take-a-ways Part-time and Hourly
Faculty open enrollment
• Mailing early January
• Enroll by for Spring 2017
coverage
• 700+ Part-time Hourly Faculty Share the information
Medicare open
enrollment
• January 1 – March 31
• Annual Campaign on
February 1
• Anyone reaching age 65 in 2017
(approx. 50)
• Anyone who is age-eligible, retired,
spouse of retiree AND not currently
enrolled (approx. 50)
• Campaign is open to all
Suggest a volunteer who will
make outgoing calls
January 23
March 13
New guests participating in the 2017 Campaign on February 1 include
CALSTRS; CALPERS and Retired Public Employees Association of California
Delta Dental will answer questions about the dental options available through its connection with AARP
Kaiser Reimbursement • December 31
• June 30
• 700+ Any Kaiser member Remind your constituents to
submit receipts for
reimbursement
Medicare Reimbursement • Annually, quarterly,
monthly, subject
contingent on the timing if
information received
• 400 (approx.) retirees & eligible
currently on Medicare
Remind your constituents to
submit annual verification
usually sent our by CMS during
this time of the year
Flexible Benefits Open
Enrollment
• November 1 – December
16
• Active employees who want to
participate in the pre-tax spending
account for medical and dependent
day care expenses for 2017
Election deadline extended to
December 16 to allow time for
processing in accordance with
business partners and IRS
deadlines
New features:
debit card convenience
contribution limit
increase
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Kaiser Reimbursement Form (mailed week of 11 28 16)
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Medicare Reimbursement Form (mailed during week of 11 28 16)
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Medicare Open Enrollment (mailed week of 11 28 16)
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First Quarter New Employee Orientations,
personal retirement appointments and more can
be found on the Peralta Benefits Office Website
http://web.peralta.edu/benefits/files/2016/11/New-
Employee-Benefit-Orientation-and-Retirement-
Schedule-January-March-2017.pdf
© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
FSA Enhancements
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• Deadline extended from November 30th to December 16th
• Pension Dynamics Benefits Debit (PDC) Debit Card will be made
available to all plan participants effective January 1, 2017.
• The Section 125 Plan PDC will add the following conveniences:
• Eligible out-of-pocket expenses can be paid with the one card
• Auto substantiate most approved out of pocket FSA expenses at
point of purchase
• Limit out-of-pocket expenses, the debit card will directly reduce
the annual election
• Immediate use of accumulations
• 2017 IRS Limits are:
• Health FSA Maximum Election - $2,600
• Dependent Care FSA Maximum Election - $5,000
Upcoming Surveys
© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
2016 Survey of Employee/Retiree Feedback
Review of Past Results
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© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
2016 Survey of Employee/Retiree Feedback
Review of Past Results
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2016 Survey of Employee/Retiree Feedback
Review of Past Results
13
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2017 Annual Employee Interest Survey Questions –As requested in the October Meeting, provide feedback/suggestions by email before 12 22 16 for January distribution
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1. Each year the Benefits Office enlists feedback from our community of employees and retirees to help us plan upcoming
events. In keeping with past surveys, we are excited to hear from you. Let us know your preference for workshops to deliver
over the next year.
2. We like to hold events which bring the Peralta community together (employees, retirees, children, extended family, etc.). What
type of fun or community building events would interest you? In the past we have hosted picnics, a cruise, basketball nights-
any proceeds go to the Peralta Foundation.
3. The District has a benefits website which serves as a resource for convenient access to information 24/7. On our Peralta
benefits website you find historical newsletters, updates and benefit provider links. The homepage does not require a
password. The website is updated bi-monthly. What reasons have you visited the Peralta District benefits website in the last
year?
4. If you have visited the Peralta benefits homepage, did you find it resourceful and user friendly-what has been your general
feeling when accessing the Peralta benefits homepage?
5. Since October 2014, active employees have been using the online benefit enrollment portal BenefitBridge to affect changes to
medical and dental plan coverage (add dependents, remove dependents, update life insurance beneficiary information and
more). BenefitBridge offers links to Affordable Care Act updates, CALSTRS, CALPERS, Social Security, downloads, and
benefit plan documents. If you are an active employee, then have you visited the BenefitBridge website to view resources or
verify enrollment information not currently found on your paycheck?
6. Have you accessed the District's Health and Wellness portal on the Peralta benefits homepage? (The "healthycommunity"
website offers health-related tips and links to informative non-proprietary topics)
7. What type of District-sponsored communications and/or events would you like to see focusing on health and wellness in the
Peralta Community?
8. If you are enrolled in a Peralta group-sponsored medical and/or dental benefit plan, have you logged into your carrier's
website (Kaiser, Delta Dental, CoreSource, United Health Care Dental) to explore interactive services?
9. A health-risk assessment is usually an interactive data collection questionnaire which usually provides the taker with tips or
resources to how to manage one's personal health. Have you or anyone in your family is currently covered under a Peralta
plan taken a health-risk assessment in the last 12 months?
10. The "Peralta Benefits Everyone" Newsletter is distributed frequently to staff, faculty and retirees of the District via campus
mail, email and home mailings. In 2017 we are transitioning into more green and sustainable communications. Would you opt-
in to receive paper notices (newsletters and briefs) or would you prefer to receive email notices only (The Peralta benefits
homepage will store communications for easy and convenient access. As we make efforts to "go green" and paperless, the
Benefits Office wants your feedback on your preferred method of communication.
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15
Two Different Surveys – Study of Manners & Mechanisms
1. Benefits Office Activity Survey
Employee-centered activities
January 2016
Give me your feedback so that results can be shared at the January Benefits Meeting
2. Benefits Office Service Survey
Assesses service perceptions of Benefits Office staff and personnel
December 2016
Dependent Eligibility Audit (DEA)
September 19, 2016-November 14, 2016
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Dependent Eligibility Audit (DEA) Preliminary FindingsPrepared by CoreSource
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Reasons for Continued Follow-up
18
On-going outreach efforts
Review file information for existing documentation (such as court order or alternate contacts)
Updated list of outstanding audits will be provided to unions by December 16
Generate confirmations from the District benefits office rather than CS. CoreSource continues to forward
documents received after the deadline of 11 14 16 to the District
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DEA Results & Observations
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•
DEA Observations:
1. Review data integrity earlier in the process
2. Clearer communications to affected populations
3. More communications with dependent
4. Enlist constituent feedback earlier in the process
DEA Results & Estimated Savings:
Audits Mailed: 903
Responded: 844
Not responded: 59
93% response rate
Estimated savings of $31,000
$56,000: Premium and Claims Cost ($4,000 x 14 voluntary terms)
$25,000: Audit Expense
$31,000: Estimated savings $
2016 Recap and 2017 Future Initiatives
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2016 Studies and Outcomes of Manners and Mechanisms
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2016
Project Description Results
Medicare Campaign Educate and promote enrollment Reduce District claims costs
Union Labor Health Plan Review and analyze alternative medical
delivery system
After several constituent
meetings-Union Labor Health
Plan option not viable at this
time
Dependent Eligibility Audit Review eligibility of all enrolled dependents on
the PCCD plan
Reduces cost to District by
$31,000 at a minimum
Development and integration of e-
services and technologies promote
sustainability
Benefit Bridge
Pension Dynamics
Personal Appointment Letter
Promotes self-service capabilities to
empower employees with decision making
on their benefits
Introduce more electronic communications
Improve accuracy and
timeliness of data exchange
2017 Open Enrollments/Campaigns and Other Projects
Health & Wellness Campaign Expand H&W offerings (Health Risk
Assessments, Lunch & Learns)
Offer healthier food options for constituents
and students (Per Local 39’s suggestion
during 10/16 meeting)
On going
Review of Joint Power Authorities Explore future partnerships that will help
mitigate cost
Under study with Consultant
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Joint Powers Authority
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• Definition
• Consideration
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Joint Powers Authority(Definition)
23
• What is a JPA?– A JPA is an entity of two or more public agencies which can operate collectively for the
purpose of improving buying power (of health insurance).
• Why a JPA now?– In short, if Peralta considers joining a consortium of school districts which offers a Kaiser plan
design like ours, maybe we can:– receive a better pricing due to economies of scale and
– recognize stabilized rate fluctuations. We are already part of a JPA for dental insurance.
• Perhaps other issues could be addressed through a JPA (medical plan buy-in, out of California medical plan networks.
The District last explored the viability of
participating in a JPA in 2012
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Joint Powers Authority(Considerations)
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• Will the products offered by a JPA match our current offerings to our
employees
• What is the ease of entry into a JPA
• Ease of transition
• What is the ease of exit if the arrangement does not fit the culture?
• Is there a minimal duration of commitment?
• Would we sacrifice our Medicare D Subsidy?
• Level of customer service to our employees/retirees
• How comprehensive are the offerings beyond medical (Possible savings
reductions in other areas: life, ltd, buy-in options)
• Ability to provide options for non-California residents
Wellness Initiatives
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Wellness Calendar
26
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What other schools are doing
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Peralta CCD conducted a survey amongst other schools 60% of the
respondents currently do not offer a wellness program.
The predominant reason why the other schools offer a wellness program is
to reduce healthcare costs
Below are the reasons given regarding why these schools do not offer a
wellness program currently:
• No available budget
• Inadequate management support
• Insufficient ROI data to support
• Weak internal ownership
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Wellness Programs (Kaiser)
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kp.org: A hub for managing health
Tools and resources for members
Total Health Assessment
Health and drug encyclopedias
Symptom checker
Healthy lifestyle programs
Health videos
Total Health Radio online radio show
and podcast
© 2016 Alliant Insurance Services, Inc. All rights reserved. Alliant Employee Benefits, a division of Alliant Insurance Services, Inc. CA License No. 0C36861
Health Risk Assessment(CoreSource)
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ACA Update
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What’s Next for the ACA?
31
• Current Enrollment by Source
• Likely Focus of Future ACA Policy
• Timeline and Process
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Current Enrollment by Source
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Likely Focus of Future Policy
33
• Possible ACA Changes
• REPEAL Individual Mandate; Employer Mandate; refundable
premium tax credits; Cadillac tax; minimum coverage limits
• RETAIN ban on pre-existing condition exclusions; dependent
eligibility to age 26
• ADD state high risk pools; premium tax deduction for
individuals; income tax on excess premiums
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Likely Focus of Future Policy
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• Other Changes
• PROMOTE Consumer Driven Plans, Health Savings
Accounts
• ALLOW insurers to sell policies across state lines; Medicare
to negotiate drug prices
• ADD dependent care
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Timeline and Process
35
• Legislation
• ACA, Medicare, Medicaid/CHIP Changes
• Traditional Process
• Reconciliation?
• Executive Order• Non-enforcement?
Next Steps
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Next Meetings & Share the Information
37
Next Meetings:
January 31, 2017
Pass along & Share
Remind your constituents of upcoming events as noted on previous slide
Dependent Audit: Now
Medicare Open Enrollment Campaign - We need PRO volunteers to make outgoing calls in February and March
Address changes self-service-an added convenience.
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