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From YouTube: Clearwater Benefits Committee Meeting - June 16, 2023
Description
Watch the Clearwater Benefits Committee Meeting that took place on June 16, 2023.
A
B
C
B
A
B
So
everybody
has
so
starting
on
page
four
I'm,
looking
at
the
names
on
the
list,
I
think
everybody
here
is
pretty
tenured
and
going
to
get
this
so
we'll
just
kind
of
go
through
the
summary.
We've
got
the
first
four
months
of
the
current
plan
here
on
page
four,
if
you
can
go
in
the
goal
of
just
real
high
level,
got
about
7.3
million
of
funding.
B
268
of
that
goes
to
the
gun
to
administer
the
plant.
I
always
like
to
point
that
out,
because
such
a
small
percentage
of
the
cost
of
459
000
goes
to
the
reinsurance,
which
is
our
protection
basically
on
any
individual
that
has
a
payment
of
more
than
three
hundred
thousand
once
they
hit
300
000
the
cities
off
the
hook
on
that
claim
and
sigma
is
the
reinsurance
carrier
to
fix
that
we've
had
four
points
or
a
million
in
medical
claims,
two
million
in
Pharmacy
blank,
so
our
totally
paid
claims
are
about
6.5
million.
B
Our
total
plan
expenses
are
at
about
7.2
million
versus
7.3
million
in
funding,
but
right
above
the
gold
we
have
about
1.5
million
in
Pharmacy
rebates
that
have
come
in
that
are
offset
to
plan
expenses
without
the
pharmacy
rebates.
The
plan
running
just
a
little
bit
of
a
surplus
with
the
pharmacy
rebates
about
1.6
million
of
surplus.
Now.
B
B
We
have
medical
and
Pharmacy
claims
on
a
per
employee
per
year
basis,
a
very
2022
to
23
medical
claims
are
down
six
percent
year
over
year.
If
you
go
to
download,
however,
you
look
at
the
next
line.
Pharmacy
claims
are
up
almost
21.,
not
uncommon,
with
what
we're
seeing
with
a
lot
of
our
groups,
a
large,
a
large
portion
of
that
is
being
driven
in
a
diabetes
space.
So
there's
a
bunch
of
new
meds.
B
If
you
watch
a
sporting
event,
pretty
much
any
TV
show
with
commercials,
which
I
don't
know
how
many
people
do
that
much
anymore.
Everybody
goes
to
like
you
know
streaming,
although
they're
starting
to
add
commercials
now,
but
basically,
you've
probably
seen
commercials
for
some
of
those
medications
and.
B
Other
thing
that
really
hasn't
hit
yet
in
every
Garden
there's
some
pretty
strict
measures
on
it,
but
it
is
worth
mentioning
because
it's
talked
about
quite
a
bit-
is
now
some
of
these
newer
diabetes
meds.
They
call
them
like
semi-glue,
Tides,
they're,
finding
they're
very
beneficial
for
weight
loss.
So
there's
a
lot
of
people
that
are
asking
to
have
these
meds
cover
me
just
for
losing
weight,
even
though
they
aren't
type
2
diabetic
and
a
lot
of
those
drugs
are
a
thousand
to
two
thousand
dollars.
B
Concerning
reports
coming
out
about
people
that
are
not
diabetic
taking
those
solely
for
weight
loss
because
of
some
of
the
impacts
it
may
have
on
your
body.
Of
course
it
creates,
but
that's
really
the
one
space,
that's
driving
the
medications
of
of
more
than
anything
is
bottom
right.
So,
overall,
when
we
put
those
two
together,
because
it's
not
a
dollar
for
a
dollar,
it's
about
a
1.1
increase
in
Flames
per
employment,
your
enrollments
of
just
ever
so
slightly
point
three
percent
and
then
that
1.6
million
dollar
Surplus
that
we
talked
about
do.
B
C
B
Left
out
there,
but
those
top
two
claims
aren't
on
the
plan.
The
reason
we
share,
that
is,
that
goes
into
some
of
the
projections,
and
you
know
just
forecasting.
You
know,
as
somebody
just
starting
a
large
claim,
did
they
find
out
they're
going
to
need
a
million
dollar
transplant
or
are
they
coming
off
the
plan,
so
both
are
coming
off
your
plan,
which
is
a
positive
even
though
you've
had
they've,
had
significant
claims
in
the
short
term
they're.
Not.
There
may
still
be
claims
that
could
come
in,
but
ultimately
they're
not
on
land.
A
B
Go
to
the
bottom,
all
right
just
go
to
the
bottom.
You
guys
are
all
pretty
familiar
with
this.
Ultimately,
looking
at
the
claims
you
remember
last
year
was
higher.
We
did
have
the
increase
last
year,
we're
still
seeing
higher
claims
and
obviously
inflation.
So
looking
at
that,
the
renewal
projection
comes
out
to
about
4.8
percent.
B
B
B
If
for
those
of
you
that
were
here
last
year
and
you
remember
last
year,
I
think
we
had
about
a
13
increase
and
we
only
passed
half
of
that
on
to
him.
So
the
committee
met
the
committee
voted
whether
or
not
we
wanted
to
just
stick
on
the
formula
which
was
paying
100
the
city
paid
about
100,
single
75
of
the
plus
one
tier
and
68
of
the
payments.
B
So
on
page
eight,
if
you
look
in
the
letter,
you
have
the
current
rates
and
the
current
contributions,
and
if
you
take
a
look
at
that
blue
column
for
the
Atkins,
the
actives
are
in
the
top.
App
for
retirees
are
in
the
bottom,
you'll
see
the
176
and
70
percent
so
because
the
City
observed
part
of
that
increase,
it
took
those
percentages
off
of
the
175
16..
B
B
There
was
one
year
where
the
city
had
a
sailored
part
of
the
increase,
and
then
the
committee
ultimately
had
a
choice
of
whether
or
not
to
go
back
to
the
formula
which
meant
a
higher
increase
on
the
employees
or
to
basically
stay
at
this
point
and
the
committee.
It
was
a
narrow
margin,
but
the
committee
voted
to
go
back
to
the
formula
which
was
a
little
bit
bigger
in
place
on
the
employees.
B
So
in
talking
with
Jill
Billy,
Jay
and
kind
of
the
team,
we
didn't.
We
wanted
to
have
another
option,
not
necessarily
looking
at
going
that
high
with
the
11
increase.
So
what
we
did
on
page
nine,
which
we
ultimately
split
on
the
percentages.
So
it's
supposed
to
be
75,
it
was
76,
so
we
went
75
and
a
half
and
then
it's
supposed
to
be
68,
but
it
was
70..
B
So
we
went
to
69
on
the
family
tier
the
1100
of
the
1500
employees
that
are
on
single,
so
well
may
nothing
as
well
as
the
32
people
that
have
been
dual
of
that's
where
both
employees
work
for
this
city.
So
the
far
right.
What
that
would
look
like
at
an
increase,
because
everybody
always
asks
what
does
that
look
like
out
of
my
paycheck?
C
B
A
C
C
C
B
B
B
I
thought
it
was
thought
was,
you
know,
well
need
to
get
back
to
it
at
some
point,
try
to
step
it
down
and
softly,
and
that
a
little
bit
of
instead
of
taking
a
one-year
fixed,
David.
The
logic
here
was
since
the
overall
increase
is
relatively
low
at
4.8
percent,
given
what's
happening
with
inflation
and
medical
inflation,
that
this
is
a
good
opportunity
to
try
to
at
least
take
a
step
halfway
back
to
those
correct
percentages
because
we're
going
to
need
to
get
there
regardless
and
it's
a
lot
easier
to
do
it.
A
A
C
A
A
A
We
did
an
RFP
for
the
provide
a
provider
of
services
for
our
clinic
and
I
believe
we
had
seven
responses,
yeah
and
after
everyone's
review,
that
was
on
the
committee.
We
had
one
person
from
fire
one
person
from
police
and
to
three
Human
Resources
professionals
on
the
committee,
and
the
decision
was
to
stay
with
our
current
provider,
which
is
ever
North,
which
is
Sigma.