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Board ot <br />TO: Commissioners County DATE: ugus FILE: <br />SUBJECT: medical Insurance <br />Coverage <br />FROM: William C. Wodtke, jr.REFERENCES: <br />Commissioner , _ <br />After reviewing the proposals at our recent workshop, I feel the <br />two proposals of Aetna and Gulf Life are extremely similar, <br />however, I feel changing from our current carrier to a new <br />carrier at this time would not be in the best interest of our <br />employees. I have not been able to find any indication that <br />there are any problems as far as claims or response from the <br />Aetna Life and Casualty representatives. <br />Although there is a slight differential in cost, I feel it is <br />offsmt by the fact that Aetna is also the carrier for the City of <br />Vero Beach, Hospital District and School Board District, and I <br />foresee the possibility.. in the future of an agreement being <br />reached between the County entities for a pooling system of funds <br />that could benefit all Indian River County taxpayers. <br />I believe Gulf Life is a good and reputable firm, but for the <br />small difference in dollars; the excellent service we have <br />received from Aetna, and knowing there is only a few insurance <br />companies that are continuing to write insurance coverage, I feel <br />we should stay with our current carrier, Aetna Life and Casualty. <br />This would allow our employees to continue working with the same <br />insurance representatives and using the same forms they have been <br />using for the last 3 years. <br />We will not have the confusion of employees requiring doctors or <br />hospital representatives to break down their medical expenditures <br />from one carrier to the other during the transition period. <br />As for the ASO consideration, the discussion that I heard at our <br />workshop causes me not to be interested in the ASO provisions, <br />however, I am aware of other payment.methods similar to the <br />method being used by one of the county governments that allows <br />the insured to pool their premiums and earn substantial interest <br />that could, in the future, be used to help reduce overall cost or <br />necessary personnel. <br />In summary, I am very pleased with the presentations made by Gulf <br />Life and Aetna, but I do feel they are so close that we could <br />select either company. Our experience with Aetna and the <br />convenience of our employees, and knowing the service we have <br />received in the last 3 years, it is my recommendation to stay <br />with Aetna Life and Casualty Company. <br />A E1 G 9 9 1QA'1` <br />9 <br />PAcE2,97 <br />