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TO: Honorable Board of County <br />Commissioners <br />FROM: Joseph A. Baird <br />OMB Director <br />DATE: June 12, 1986 I-ILt: <br />SUBJECT: Add the Town of Fellsmere <br />and Fellsmere Drainage District <br />to Indian River County's Health <br />Plan <br />REFERENCES: <br />The Fellsmere Drainage District and the Town of Fellsmere have requested <br />that Indian River County look into the possibility of adding their employees <br />to the County health plan. Staff has contacted Gulf Life Insurance Company <br />and we are able to add these employees to the insurance plan, however, they <br />do not recommend we do so. Our health insurance is basically a self-funded <br />plan and every employee we add is an additional liability, therefore, this <br />may not be in the best financial interest of the County. Currently, the <br />Fellsmere Drainage District has five employees which are all married and the <br />Town of Fellsmere has thirteen employees of which twelve are married and one <br />is single. <br />Obtaining health insurance for a small group of employees has become al- <br />most cost prohibitive in some instances. The above mentioned municipalities <br />looking at Indian River County's health plan so that they may offer their <br />employees a good health plan at a lesser cost to the taxpayers. <br />OMB Director Baird noted that this is a policy decision of <br />the Board. His only concern is that being a self-insured plan, <br />we are taking on a large liability. However, the cost of health <br />insurance is astronomical, and for a little business or a little <br />community, it is sometimes very hard to obtain it at reasonable <br />rates. a;. <br />Commissioner Bird agreed we are increasing our exposure, but <br />we are also increasing our revenue, and Commissioner Lyons felt <br />that is why you have groups - so you split the risk. He wondered <br />what obligation we have because the people in Fellsmere pay taxes <br />too, and Commissioner Bird inquired about their past risk <br />experience record. <br />Discussion continued re the number of employees, whether any <br />high risk employees were involved, etc., and Commissioner Wodtke <br />asked if the Town couldn't get insurance under the League of <br />Cities. <br />29 <br />�N 2 5 X996 <br />BOOK 64 FA.;E 806 <br />