September 29, 2015 at 5:30 PM - Bradley County Board of Education Special Called Meeting

Discussion:  Chairman Chris Turner called the meeting to order.

Discussion:  No field trip was presented because it was cancelled.

Discussion:  Sarah Crispin, Human Resource Supervisor, explained the insurance options that will be available. Partnership PPO, Standard PPO, Limited PPO, and new this year HealthSavings CDHP. From two Insurance Carriers, BlueCross BlueShield of Tennessee (Network S) or Cigna (LocalPlus network). With four premium levels of Employee, Employee + child(ren), Employee + spouse or Employee + spouse + child(ren). She showed the Board a chart for dedications and medical out of pocket maximums. The Limited plan has the highest out of pocket maximums, pharmacy is combined with medical, and deductibles are also higher. We are presenting that we include a GAP insurance with the limited PPO to adjust and offset that high deductibles and out of pocket maximums. This is what the GAP benefit would cover. Employee only in-patient $6,000 and out-patient $4,000. Other tier maximums would be $6,000 and $1,200. For a family the $13,200, they would only be out $1,200 and for the individual $600. The difference with Partnership PPO is the medical and pharmacy are split. For an individual $2,300 and $2,500 out of pocket for medical and pharmacy at $4,800 for an individual and $9,600 for a family. It would be a lot less if they move to the Limited for either because the Partnership is going to be a higher medical and pharmacy out of pocket. She also showed the Board a slide on the monthly premiums. The top is what the employee pays and bottom is what the board pays. Limited is much lower for not only the employee but the Board also. The individual will not see as much saving. $0 for employee only but they would be saving the out of pocket for their deductibles. A family pays $590.46 on the Partnership PPO but with the Limited plus the GAP the premium will be $377.90. That is $212.56 they would save on their check monthly with a $2,550.00 annual savings. Mr. Turner asked which policy are you recommending we adopt for the GAP insurance. Mrs. Chrispin replied that this is based on Five Point's GAP insurance. That is who I feel like would be best because we already have them setup for My Benefits Channel. It would be an easier transition for everyone to implement. Mr. Lillios asked how many are currently on the Limited PPO? Mrs. Crispin responded 16 total. 12 families, 2 employee plus spouse , and 2 employee plus children. Mr. Lillios also asked if we are only adding an additional benefit and everyone else stays where they are, what is the risk? Mrs. Crispin told the Board that if no one else moves it will be $32,000. She feels that people will move. They have gotten got response as they have meet with employees to explain the options. Several said they will be able to add their spouse and children now. She feels that everyone perceived this as a good change. Ms. Beaty said she has heard from several that are concerned. They are concerned that this is the first step that employees will be paying out of pocket more and more. Other concerns she heard were from people with health issues. She wants to make sure people are informed and understanding the options and benefits. She hopes that over the year, the Board and the employees are able to look at this more closely and see the positive .

Discussion:  Chairman Turner read Public Chapter 717 - Senate Bill 2073 concerning Safety Meetings which is attached and then the board moved to the conference room.