NISD Employee Medical Plan

State of the Medical Plan

O Increase costs due: O High claimantsO Rising cost of Health Care (15%

annually)O Increasing Prescription costs (35%

annually)O Affordable Care Act requirementsO Conservative approach to increasing

premiums and district contribution

Affordable Care Act

O ACA Transition Fee: $86,456 November 2014 ($63 per covered plan participant)

O ACA Transition Fee:$60,000November 2015 ($40 per covered plan participant)

O Unlimited wellness compared to $400 maximum

2015-2016 Recommendations

O Increasing the district contribution from $260 to $275

O Increase district contribution by $15O Net impact to district funding

$270,000

O Core Plan changes:O Add $300 medical deductible for individualO Add $600 medical deductible for familyO Increase maximum out of pocket from $4,000 to

$6,000 for individualO Increase maximum out of pocket from $8,000 to

$12,000 for familyO Increase prescription deductible from $100 to $250O Increase retail generic from the greater of $5 or 30%

to the greater of $10 or 30%O Increase retail brand from the greater of $35 or 30%

to the greater of $45 or 30% O Prior authorization for all compound medication over

$150

2015-2016 Recommendations

2015-2016 Recommendations

O Basic Plan changes:O Increase maximum out of pocket from

$4,000 to $6,000 for individualO Increase maximum out of pocket from

$8,000 to $12,000 for familyO Increase retail generic from the greater of

$5 or 30% to the greater of $10 or 30%O Increase retail brand from the greater of

$35 or 30% to the greater of $45 or 30% O Prior authorization for all compound

medication over $150

2015-2016 Recommendations

O HDP Plan changes:O Increase maximum out of pocket from

$4,000 to $6,000 for individualO Increase maximum out of pocket from

$8,000 to $12,000 for familyO Increase retail generic from the greater of

$5 or 30% to the greater of $10 or 30%O Increase retail brand from the greater of

$35 or 30% to the greater of $45 or 30% O Prior authorization for all compound

medication over $150

Core Plan2014-2015 Premium

2015-2016 Proposed Premium

NISD District Contribution

PHA Participation

Incentive

Adjusted Proposed Premium

Monthly Increase

Annual Increase

Employee $ 537 $ 643 (275)$ (25)$ 343$ 91$ 1,087$ Employee + Spouse $ 1,190 $ 1,419 (275)$ (50)$ 1,094$ 214$ 2,562$ Employee + Children $ 1,009 $ 1,185 (275)$ (25)$ 885$ 161$ 1,936$ Employee + Family $ 1,450 $ 1,718 (275)$ (50)$ 1,393$ 253$ 3,030$

Basic Plan 2014-2015 Premium

2015-2016 Proposed Premium

NISD District Contribution

PHA Participation

Incentive

Adjusted Proposed Premium

Monthly Increase

Annual Increase

Employee $ 426 $ 515 (275)$ (25)$ 215$ 74$ 887$ Employee + Spouse $ 926 $ 1,057 (275)$ (50)$ 732$ 116$ 1,392$ Employee + Children $ 781 $ 923 (275)$ (25)$ 623$ 127$ 1,526$ Employee + Family $ 1,125 $ 1,344 (275)$ (50)$ 1,019$ 204$ 2,445$

High Deductible Plan

2014-2015 Premium

2015-2016 Proposed Premium

NISD District Contribution

PHA Participation

Discount

Adjusted Proposed Premium

Monthly Increase

Annual Increase

Employee $ 366 420$ (275)$ (25)$ 120$ $ 29 $ 348 Employee + Spouse $ 745 907$ (275)$ (50)$ 582$ $ 48 $ 582 Employee + Children $ 670 767$ (275)$ (25)$ 467$ $ 39 $ 467 Employee + Family $ 964 1,159$ (275)$ (50)$ 834$ $ 69 $ 834

Comparison of District Contributions DISTRICT PLAN YEAR CONTRIBUTION Plan Year Contribution

Lewisville ISD - ActiveCare Select 2014 -2015 $348.00

Lewsville ISD – TRS ActiveCare 2 2014 -2015 $348.00

Garland ISD – TRS Active Care 2014 -2015 $325.00

Irving ISD – TRS Active Care 2014 -2015 $325.00

Lewisville ISD – TRS ActiveCare 1HD 2014 -2015 $300.00

Carroll ISD – TRS ActiveCare 2014 -2015 $290.00

Grapevine-Colleyville ISD - TRS ActiveCare 2014 -2015 $285.00

Keller ISD – Self-Insured 2014 -2015 $275.00

Carrollton-Farmers Branch ISD – TRS ActiveCare 2014 -2015 $262.00

Northwest ISD – Self-Insured 2014 -2015 $260.00 2015-2016 $275.00

Plano ISD – Active Care 2014 -2015 $259.00

Birdville ISD – TRS ActiveCare 2014 -2015 $240.00

Denton ISD – TRS ActiveCare 2014 -2015 $235.00

Eagle Mountain Saginaw ISD – Active Care 2014 -2015 $225.00

HEB ISD – TRS Active Care 2014 -2015 $225.00

NISD Benefits compared to TRS Benefits

HDP - Plan Feature TRS- 2014-2015 NISD Proposed-2015-2016 Individual Deductible $2,500 $2,200 Family Deductible $5,000 $4,400 Individual Out of Pocket Maximum $6,350 $6,000 Family Out of Pocket Maximum $9,200 $12,000 Teledoc $40 per call No cost High Tech Radiology (MRI,CAT Scan) Deductible and Coinsurance Deductible and Coinsurance Active Care Select/ Core - Plan Feature TRS NISD Proposed Individual Deductible $1,200 $300

Family Deductible $3,600 $900 Individual Out of Pocket Maximum $6,350 $6,000 Family Out of Pocket Maximum $9,200 $12,000 Teledoc No Cost No Cost High Tech Radiology (MRI,CAT Scan) $100 co-pay plus co-insurance Co-insurance Active Care 2/ Basic - Plan Feature TRS NISD Individual Deductible $1,000 $1,100 Family Deductible $3,300 $2,200 Individual Out of Pocket Maximum $6,000 $6,000 Family Out of Pocket Maximum $12,000 $12,000 Teledoc No Cost No Cost High Tech Radiology (MRI,CAT Scan) Deductible and Coinsurance Deductible and Coinsurance

Strategic Alignment

Strategic Goals II: Northwest ISD will recruit, develop, retain, and recognize an exceptional, highly motivated staff to optimize student engagement and learning;

Strategic Goal IV: Northwest ISD will provide premier facilities and support systems that enhance a positive learning environment and foster student and community pride.

QuestionsO The board will be asked to consider

the recommendations during the May 26, 2015 Board Meeting