3/3/1998 - Laserfiche WebLink

Home Browse Search

• a Duncan Chalmers, P. O. Box 5070, Vero Beach, requested to be recognized to comment. He did not understand what was going on. He had attended the meeting when staffwas directed to go out for bid. He understood from the meeting that the County would not participate financially in this program. He wondered if this process was that of competitive solicitation, bidding, requests for proposals, or what. He wished to correct a line on page 47 of the backup (Waters Risk Management memorandum) which stated that the county received 7 fully insured proposals and 2 self-insured proposals. He said, in fact, the County was submitted 5 fully insured, 2 DMO's, 2 self-insurance, and 1 discount program. His point was did the County want a self-insured program or a fully insured program. He did not know how the County could enter into a self-insured program without the ultimate financial responsibility resting with the employer. He pointed out that on the table on page 48, there was a difference of $184 between a fully insured program with a "premier insurance company" in the dental business (Guardian Life Insurance) versus a self-insured plan (Direct Dental). TOP 3 RANKED PROPOSALS - i ouu cost is oasea on me current enroument or zwo for Yui employees. Mr. Chalmers questioned the level of the self-insured coverage and stated that staff was not prepared to make this recommendation to the Board. He stated staff had not discussed one thing with Guardian who they consider the top fully insured program. It was his understanding that the only company staffhad talked with was Direct Dental. He stated if that was comparative, it was not a very good job. He had recommended to staff yesterday that they recommend the Board table the matter and also recommended to the Board to table the matter. Director Baird disputed Mr. Chalmers statement that he had not spent time with Guardian and estimated that he had spent 10 times the amount of time with Mr. Chalmers March 3, 1998 27 1998-99 Rank Insurer Cost* Comments 1 Direct Dental $35,964 Free choice of dentists, total cost represents the maximum annual cost of the self-insured plan, or- thodontia benefits and a 50 employee minimum participation, the administrator is based in Stuart, Florida 2 Dental Decisions Various Free choice of dentists, $5 copay, total cost repre- sents the maximum annnal cost of the self insured plan, orthodontia benefits and a 50 employee minimum participation. 3 Guardian Life Insurance $36,148 A PPO plan, with 9 participating Indian River County dentists, no orthodontia and a 35% mini- mum participation requirement. - i ouu cost is oasea on me current enroument or zwo for Yui employees. Mr. Chalmers questioned the level of the self-insured coverage and stated that staff was not prepared to make this recommendation to the Board. He stated staff had not discussed one thing with Guardian who they consider the top fully insured program. It was his understanding that the only company staffhad talked with was Direct Dental. He stated if that was comparative, it was not a very good job. He had recommended to staff yesterday that they recommend the Board table the matter and also recommended to the Board to table the matter. Director Baird disputed Mr. Chalmers statement that he had not spent time with Guardian and estimated that he had spent 10 times the amount of time with Mr. Chalmers March 3, 1998 27