6/23/1998 - Laserfiche WebLink

Home Browse Search

0 s • Background On March 3, 1998, staff brought to the Board a recommendation through Waters Risk Management)for voluntary employee group dental insurance with Direct Dental Systems, Inc. 7DDS. This recommendation was based upon responses received to IRC Pro I #802ce that date, staff has worked with Lynn Hill -Rance, president of DDS, to evelop a contrail for this program. Analysis Joe Baird, OMB Director, Tom Bisaillon, Ac Personnel Director, Ann Rankin, Em loyee Benefits Representative, Beth Jordan, Risk I=, and William Collins, Deputy County Attorney, have worked with Mrs. Hill -Rance to negotiate a contract in keeping with the Proposalsponse upon which the recommendation for acceptance was based and which best protected the financial interests of the County and participating employees. Unfortunately, we have been unable to negotiate such a contract. You recall that the DDS proposal had four (4) areas which led to its endorsement - It offered ow rates, low participation requirements, freedom of choice for dental providers, and no limitations and no exclusions. As we worked to develop the contract, terms an to waiver from those in the Proposal. Limitations on orthodontia were recommend as a dost saving measure. We were asked to consider exclusions and waiting periods. We were advised that ria might increase due to the o�oor performance of other Indian River County employers' plans attributable to overutilization by some Indian River County dentists. We were advised by the local agent who submitted the proposal, Ron McCall, II, that other area clients were in financial trouble due to the lack of monthly accommodation in those plans which were marketed to private sector employers. While our proposal contained monthly accommodation, we became increasingly concerned with the plan. On May 12, Mr. McCall withdrew as agent The reinsurer was purchased byy another insurer and rates increased 25 percentWe have been advised by Mrs. Hill - Rance that the Scheriff s Office plan, similar in design though richer in benefits and lower in premiums than the one proposed for the Board, will undergo major changes upon renewal, including rate increases and the cessation of direct payment to dentists. Instead, employees will be required to pay far dental services and then be reimbursed by DDS. We also learned that although DDS submitted the proposal, that corporation exists essentially in name only and the contract was to be with'Eagles, Benefits by Design, Inc., the third party claims administration company for which Mrs. Hill -Rance' President On June 4, staff met with Mrs. Hill -Rance and we were given the new rates, illustrated below. Dental Plan Presented to the Board 03/03/98 Dental Pian Presented to Staff 06/04/98 Employee Employee Employee Annual Annual Plan A Only + 1 + Z or more Deductible Benefits dependent dependents 5$600; no Plan A $11.05 $18.95 $26.50 $100.00 $600; 100% first $100; Plan B $24.45 $44.60 $73.95 $25.00 50°/6 next $1,000; no orthodontia Plan B $2128 $36.66 $52.30 $25.00 $1500-00946 first $100; iK next $360; 50% next $2,320 Dental Pian Presented to Staff 06/04/98 June 23, 1998 33 E00K F,�GE.�:�U Employee Only Employee + 1 dependent Em loyee + 2 or more dependents Annual Deductible Annual Benefits Plan A $17.10 $30.70 $50.15 $1W.00 100% 0ext % 0$100; 5$600; no orthodontia Plan B $24.45 $44.60 $73.95 $25.00 $1500- 100% first $100; &F. next $300; 50% next $2,320; orthodontia rmited to $750 annually June 23, 1998 33 E00K F,�GE.�:�U