►
Description
View the city of Clearwater Benefits Committee Meeting that was held on July 28, 2022.
A
B
Good
morning,
everybody
this
is
jennifer.
Thank
you
for
being
here.
I'm
excited
that
we
have
such
good
attendance
for
this
meeting.
I'm
going
to
turn
it
over
to
sean
here
in
just
a
minute.
We
don't
have
new
information
really
to
share.
We
shared
all
the
renewal
information
at
the
last
one.
We
did
not
get
any
requests
for
any
additional
information,
so
I'll
just
have
sean
from
the
gearing
group.
Do
a
quick
recap,
and
then
we
can
answer
any
questions
and
then
go
into
the
discussion
regarding
the
renewal
sean.
C
Well,
thank
you
everybody.
You
know
this
is
in
a
lot
of
sentences,
really
your
guys
needing
to
talk
and
discuss,
share
with
us
any
feedback
that
you
guys
got.
I
know
from
just
hearing
comments.
I
think
you
guys
definitely,
you
know
talked
with
some
of
your
teams,
so
just
to
kind
of
recap,
based
on
higher
the
higher
claims
experience
really
over
the
last
24
months.
If
you
guys
remember
last
year,
the
city
used
reserves
to
absorb
some
of
that
increase,
sort
of
hoping
that
pandemic.
C
We've
seen
claims
increase
quite
a
bit
year
over
year
and
continue
to
stay
at
those
higher
levels.
So,
ultimately,
looking
at
that
13
percent
increase,
so
the
what
we
did
reprint
for
you
is
the
two
scenarios,
just
so
everybody's
familiar
scenario.
One
is
following
the
city's
formula
of
paying
100
of
singles,
75
of
dependent
and
68
of
family
coverage.
The
scenario
two
you
know
working
with
staff
and
the
team
in
an
attempt
to
minimize
some
of
the
impact
scenario.
C
Two
is
the
city
so
to
see
speak
splitting
that
so
only
seeing
about
a
six
and
a
half
percent
increase
to
the
employees
on
the
contributions.
Obviously,
the
1064
employees,
plus
the
39
with
dual
employee
coverage.
You
know
so
almost
1100
of
the
1400
employees
in
either
scenario
see
no
increase,
so
we're
talking
predominantly
about
370
people
with
that
dependent
coverage.
That
will
be
impacted.
B
B
B
D
D
E
F
C
C
They
believe
that
second
half
of
this
year
and
early
into
next
year,
we
will
start
to
see
claims.
Let
me
clarify
claims
utilization
right
frequency
of
services
procedures.
All
those
things
go
back
to
more
pre-pandemic
levels
right
like
so,
you
know
for
3,
000
members,
you're
going
to
have
x
number
of
orthopedic
surgeries,
your
x
number
of
cancers
right
now.
All
those
things
are
elevated
because
there
was
a
backlog
and
people
couldn't
get
it
during
the
pandemic.
C
So
a
couple
things
in
answering
that
question.
So,
first
obviously
in
medical,
you
guys
remember:
we've
always
looked
at
medical
inflation,
medical
inflation,
typically
outpaces,
regular
inflation
and
think
about
what
regular
inflation
is
right
now,
if
the
service
trends
start
going
down
and
that
usage
goes
back
to
more
normal
levels
and
we
see
claims
kind
of
return
to
where
they
were,
let's
say
like
2019
utilization.
C
Yes,
costs
will
be
a
little
bit
higher.
The
fact
that
the
city's
doing
the
13
increase
if
things
go
back
more
into
that
range,
you'd,
probably
be
back
in
a
scenario
where
we
see
no
overall
increase
needed
to
the
fund,
and
then
you
know
in
that.
If
we
do
this
6.5,
maybe
that
means
that
you
know
that
gap
gets
made
up
over
a
year
or
two.
While
we
all
need
overall
increase-
and
you
know
in
talking
with
with
jay
and
jennifer
when
you're
first
looking
at
this.
C
C
If
we
run
flat,
you
know
and
be
in
a
situation
where
very
low
in
any
increase
would
hopefully
be
needed
next
year.
So
the
real
you
know,
risk
is,
do
claims
somehow
jump
another
15
more
than
they've
already
jumped.
You
know
that
would
be
very
substantial
over
two
years
probability
wise.
It
can
happen,
but
I
think
higher
likelihood
is
that
we
see
things
start
to
trail
back
down,
we're
starting
to
see
that
kind
of
globally.
D
D
The
health
insurance
by
13
asking
people
to
pay
13
more
and
inflation
being
almost
11.
That's
almost
a
24
reduction
in
take
home
because
it
costs
more.
So
it's
a
24
loss
and
what
you
have
to
spend
because
everything's
more
expensive
fuels
more
expensive
directly.
It
works
more
expensive,
buying,
groceries,
it's
more
expensive,
so
you're
accounting
for
other
costs,
not
just
not
just
insurance.
Now
we're
talking
about
this
year
as
a
total
store.
D
D
B
Loss
and
pay
from
this
year's
races
just
yeah.
Just
one
point
of
clarification
for
this,
and-
and
I
don't
disagree
at
all-
that
things
are
going
up.
Okay
and
I
don't
you
know,
the
inflation
numbers
are
posted,
but
the
13
increase
of
insurance
does
not
equate
to
a
13,
it's
not
equitable,
to
say
that
that's
a
13
reduction
in
pay
because
they're
not
on
the
same
parity.
So
just
you
know
to
make
sure
I
you
know
how
I
am
I
like
to
make
sure
we're
operating
off
of
the
same
set
of
facts
and.
D
You're
correct
sorry
for
the
incorrect
statement,
but
when
you
talk
about
inflation,
people
are
not
having
13
percent
just
more
to
spend
because
they're
paying
13
inflation
isn't
actually
a
13
or
10
percent
loss
in
paid
either,
but
we
still
have
to
pay
more.
So
it
is
a
loss
you're
not
losing
revenue
from
the
city.
It's
just
a
loss.
A
B
I
can't
see
it
so
it's
you
know,
I
mean
it'll
be
hard
for
me
to
handle
the
vote,
but
so
sean
will
you
do
the
vote
for
us
please
just
so.
You
can
see
everybody
online
and
in
person
and
do
the
account-
and
I
guess
what
we'll
do
is.
If
somebody
wants
to
make
a
motion
to
vote.
It
sounds
like
the
majority
wants
to
do
with
the
city,
subsidy
and
so
maybe
start
with
a
motion
for
that.
B
Okay,
perfect:
does
somebody
want
to
second
that
I'll
say
that
okay
and
then
I'll
do
it,
but
somebody
else
is
just
gonna
have
to
count.
So
all
in
favor
of
the
motion
that
we
have
on
the
floor,
if
you
will
raise
your
hand
so
that
we
can
take
a
vote
and
then
jess
or
billy,
just
let
me
know
when
you
have
that
count.