CCR2007247COMMON COUNCIL - CITY OF MUSKEGO
RESOLUTION #247-2007
. AUTHORIZE EXECUTION OF DENTAL INSURANCE CONTRACTS FOR 2008
WHEREAS, The City of Muskego presently has contracts with First Commonwealth and
Compcare Health Services Insurance Corporation (Dentacare) to provide dental
insurance to subscribers who elect to participate totally at their own expense; and
WHEREAS, The City wishes to renew contracts with First Commonwealth and
Compcare Health Services Insurance Corporation for dental insurance for 2008 at the
following monthly rates:
Sinqle Family
First Commonwealth
(FCW HMO)
(Network) $43.54 $114.92
(FCW PPO)
(Out of Network) $36.12 $99.75
DentalBlue
Dentacare 4DS $32.23 $87.02
WHEREAS, The Finance Committee has recommended that the City renew contracts
with both carriers for 2008.
. NOW, THEREFORE, BE IT RESOLVED That the Common Council of the City of
Muskego, upon the recommendation of the Finance Committee, does hereby approve
the City renewing contracts with First Commonwealth and Compcare Health Services
Insurance Corporation (Dentacare) for dental insurance for 2008 to be fully funded by
the subscribers.
BE IT FURTHER RESOLVED That the Mayor and Clerk-Treasurer are authorized to
execute any necessary documents.
DATED THIS 11th DAY OF December ,2007.
SPONSORED BY:
FINANCE COMMITTEE
Ald. Bob Melcher
Ald. Neil Borgman
Ald. Keith Werner
This is to certify that this is a true and accurate copy of Resolution #247-2007 which
was adopted by the Common Council of the City of Muskego.
12/07sem
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(~ d ^'-/7 - cJ 7
CITY OF MUSKEGO
Staff Report to Finance/Common Council
To: Common Council Re. Strategic Goal #: (for future use)
From: City Administrator Presenter(s): Jennifer Shei~~,fll\
Subject: Topic for PresentationlReport to Common Council: A~tion of
Dental Ins. Contracts for 2008
Date: December 6, 2007
Background Information:
The City contracts with 2 Companies for 3 different group dental plan options for
employees. Employees who desire dental insurance must pay 100% of the premium costs
to participate.
The City costs for this are related to administration of the program.
Key Points and/or Information for Discussion (Maximum of 5):
1. Of approx. 119 full time employees, 48 opt to purchase dental ins. Additionally, 5
retirees are purchasing dental ins. on the City's plan.
2. The City has in place a premium only plan (POP) which allows the dental premiums
to be paid deducted from an employees income prior to taxes being deducted. This is a
financial benefit for the participating employees.
Recommendation for Action by Common Council: Approve execution ofthe
contracts for renewal of the group dental plans currently being offered.
Fiscal Note(s): City cost is for administration of the group plans.
Total $ Requested: Administration costs are not specifically tracked.
Amount of Total Requested Budgeted: N/A
Amount of Total Requested Unbudgeted: N/A
Expenditure Account(s) number recommended be used: N/A
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GUARDIAN-
October 19, 2007
ACCOUNTS PAYABLE DEPT
CITY OF MUSKEGO
POBOX 0749
MUSKEGO, WI 53150-0749
RE: Group Plan G-377316- -044
Dear Planholder:
The Guardian Life Insurance Company of America, the parent company of First Commonwealth, thanks you for allowing us to be a provider of
your group's benef1t program for the past year.
The new monthly rates for the upcoming year for your current plan are below and will take effect on January 1, 2008.
CURRENT RATES
shown
RENEWAL RATES
Dental FCW HMO
Employee I Emp. +1 Dependent
Emp. +2 or More Deps.
Dental FCW PPO
Employee I Emp. +1 Dependent
Emp. +2 or More Deps.
Factors that may influence
plans include:
- Your group's age, gender and income;*
- Your company's location and industry classification; *
- Federal and/or State legislation;
- Increases in provider costs (for medical and dental); and,
- State-specific small group reform (for medical).
*Where prohibited by state law, these factors are not used for medical.
Don't forget - - you can manage your comRany' s benefit plans with less time
and effort than ever before at www.GuaräianAn~time.com . Through our secure benefits website, you can enroll new hires ana add dependents, view bills, download forms and employee materials and more 1 And you can do it 24/7, without R~cking ~p the phone. To register or log on, just go to
www.Guarä1anAnyt1me.com .
We welcome the opportunity to review your plan design to ensure that you
are maximizing your benef1t dollars.
Please contact your insurance broker or Guardian Group Sales Office at 100 N. Corporate Drive, Suite 150, Brookfieldi Wisconsin 53045, (262)
395-2014. to answer any questions or to schedu e an appointment for a
plan rev 1ew .
36.59 per employee I 96.57 per emp/+1 dep
96.57 per emp/+2 dep
43.54 114 . 92
114.92
per employee
per emp/+1 dep
per emp/+2 dep
33.76 per employee I 36.12 per employee
93.22 per emp/+1 dep 99.75 per emp/+1 dep
93.22 per emp/+2 dep 99.75 per emp/+2 dep
the rating structure of your employee benefit
The Guardian Life Insurance Company of America, New York, NY 10004
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. V DentalBlue
October 30, 2007
Blue Cross Blue Shield of Wisconsin
Compcare Health Services Insurance Corporation
Independent licensees of the Blue Cross and Blue Shield Association
City of Muskego
W182 S8200 Racine Ave
Muskego WI 53150
Current Benefit Plan: Option 4DS
Group Number: 00137237-0000
Account Executive: Account Manager
Agent:
Current Contract Counts:
Single: 6
Employee/Spouse: 0
Employee/Children: 2
Family: 4
Dear Group Leader:
Each Year, prior to a group's annual renewal date, DentalBlue reviews the group's dental plan to
detennine whether current rates are sufficient to cover anticipated claims and expenses. Effective
January 1,2008, it will be necessary to adjust rates by 8% for your current coverage as listed
below:
Sin21e
Employee
and Spouse Familv
Employee
and Children
$32.23 $87.02 $87.02 $87.02
The group must maintain the current contribution strategy untill/l/2009.
This renewal is based on 12 contracts. If the actual enrollment differs from the assumed by more than 10% at the time
of the renewal, or within the renewal period, OentalBlue reserves the right to review our underwriting position for rates
and/or offer of coverage.
All fùll-time employees working 30 or more hours per week, and their dependents are eligible for coverage.
We will review our underwriting position for rates and/or offer of coverage if there is any change in dental plan
administrators or dental benefits.
Rates are based on the CUITent benefits. Standard administration, billing, enrollment and reporting practices prevail.
Any cost of State or Federally mandated benefit enhancements will be charged to City of Muskego.
The estimated cost of customer-requested benefit changes will be charged to City of Muskego.
Wisconsin State Law requires that we inform you that you have the right to cancel in consideration of these revised
renewal terms.
Sincerely,
DentalBlue Underwriting Department