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Res 20-36 Approving health, dental and vision products, establishing a broker of recordTOWN OF WESTLAKE RESOLUTION 20-36 A RESOLUTION BY THE TOWN COUNCIL OF THE TOWN OF WESTLAKE, TEXAS, AUTHORZING THE TOWN MANAGER OR DESIGNEE TO ENTER INTO A CONTRACT FOR THE TOWN'S HEALTH, VISION, AND DENTAL INSURANCE PRODUCTS AND SERVICES FOR THE 2021 CALENDAR YEAR; AND ESTABLISHING A BROKER OF RECORD. WHEREAS, the Town of Westlake desires to maintain a comprehensive health and dental insurance benefits for its employees that is competitive to surrounding cities; and, WHEREAS, the leaders of the Town of Westlake desire to exercise exceptional levels of stewardship with all financial resources; and, WHEREAS, the Town Council finds that the passage of this Resolution is in the best interest of the citizens of Westlake. NOW, THEREFORE, BE IT RESOLVED BY THE TOWN COUNCIL OF THE TOWN OF WESTLAKE, TEXAS: SECTION 1: That, all matters stated in the Recitals hereinabove are found to be true and correct and are incorporated herein by reference as if copied in their entirety. SECTION 2: That, the Town Council of the Town of Westlake, Texas, hereby approves the Aetna as the Town's health and vision insurance carrier for a twelve (12) month period, beginning January 1, 2021, with an estimated annual employer cost of $457,942, attached as Exhibit "A". SECTION 3: That, the Town Council of the Town of Westlake, Texas, hereby approves the renewal of MetLife as the Town's dental insurance carrier for a twelve (12) month period, beginning January 1, 2021, with an estimated annual employer cost of $35,925, attached as Exhibit "A". SECTION 4: That, the Town Council of the Town of Westlake, Texas, hereby approves the renewal of MetLife as the Town's vision insurance carrier for a twelve (12) month period, beginning January 1, 2021, with an estimated annual employer cost of $4,133, attached as Exhibit "A". SECTION 5: That, the Town Council of the Town of Westlake, Texas, hereby approves One Digital as the Town's broker of record for health, vision, and dental insurance products and services until modified by a subsequent resolution. Resolution 20-36 Page 1 of 2 SECTION 6: If any portion of this Resolution shall, for any reason, be declared invalid by any court of competent jurisdiction, such invalidity shall not affect the remaining provisions hereof and the Council hereby determines that it would have adopted this Resolution without the invalid provision. SECTION 7: That this resolution shall become effective from and after its date of passage. PASSED AND APPROVED ON THIS 30TH DAY OF NOVEMBER 2020. ATTEST: �X'� Todd Wood, Town Secretary APPROVED AS TO FORM: i� o....) P L. tanton Lowry, Town Attorney Laufa L. Wheat, Mayor Amanda DeGan, Town Manager ��� �� L v ? 4+�1 y PEXN5 Resolution 20-36 Page 2 of 2 v EO µ I- 01 (O 0) (n o O O e-I M M o O ct ID tD ID c M M O 01 00 \ (0 O 00 N 0) g N n n N ko 01 Lr M (O m ' In N M N IN c i Ol M O O e-I - • 00 00 r, i1 H O 0 a-i 00 W i i � V 00 c ID H e m cn \ V) Oo c It N o N O In O '�r 00 N N LQ n 00 W e-1 (0 01 Il) d' O O1 In 00 (0 -t M N N V IL ^ 00 n (D i-i N N N N n (n' N 01 r1 O t/} M i rl 00 i M -e N 00 i N r-i a--1 a --I if? V? 00 N o lD n O N (n In NH e n ri V (D n LO �. V1 -* N n M In CO m m 00 l0 N M N 00 cn U3 � H -* ri n r N' (G O n N 01 00 M 01' M N V m a) v N, c-1 In , rl m, m (D r-, (0 In V? to a-i 'V' r-1 m N d' N O o N 00 \ n N\ O - 0 00 N p 01 N O^ N - n n N Ln N �.{ 0) - ci r r1 r V r l m r, M 01 c-I (0 v n Cl N N O N .--I 00 N M In O Ln N i N M ri � r-i � O n n V} In -4 (n Cl In N In N .n V) V? 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W W° ` O) g A O LL > O a O °, W C j C C d d E E d d E E G d E a > E E E E E` o d� m c ° w d O 1�pp u n m= > u c L d o q u .c .d..? ., N m a 2` m c°� v E -° E o 0 0 0 `cc o `c e E E d E E E m q r Y d d 2 U v a d d G a a E o d a E m a w d m :.° m z z z z 0 z z W W W W W cc C .d. 6 6 .d. 6 6 6 H {� c C f O O 0 0 0 6 C u N C a 0 W 7 E y C �x( i%( K K xx xx K K 0 0 0 0 0 0 0 0 0 0 0 0 <IONEDIGITAL The Town of Westlake EMPLOYER PAID DENTAL INSURANCE RENEWAL & OPTIONS EFFECTIVE DATE: 1ANUARY 1, 2021 Resolution 20-36 Exhibit "A" Carrier MetLife MetLife MetLife* PARTICIPATION REQUIREMENT N/A N/A RATE GUARANTEE N/A 1 year 2 years 2 years Low Plan High Plan Product Type PPO PPO PPO PPO In Network Out of Network In Network Out of Network In Network Out of Network In Network Out of Network Deductible(Ind./Family) $50/$150 $50/$150 $50/$150 $50/$150 $50/$150 $50/$150 $SO/$150 $50/$150 Annual Benefit Maximum $1,500 $1,500 $1,000 $1,000 $1,000 $1,000 $1,500 $1,500 Network Payment Level Fee F R&C Fee R&C Fee 90th Fee 90th Waiting Periods None None None one Preventive/Diagnostic Service Charges Excluded from Annual Maximum No No No No No No No No Posterior Composites Covered No No No No No No No No Max Rollover Feature No No No No No No No No I Preventive & Diagnostic Services 100% 10oe/ 100% 100% 100% 100% 100% 100% Basic Services 805/ 80% 80•/ 80% 80% 80% 80% 80% Major Services 50% 50% 50,,/ 50% 0% 1 0% 50% 50% Orthodontic Services 50% 50% 50% N/A N/A N/A 50V 50% Orthodontia Age Limit 19 19 19 19 N/A N/A 19 19 Orthodontia Benefit Maximum $1,500 $1,500 $1,500 $1,500 N/A N/A $1,500 $1,500 Oral Exams 100% 100% 100% 100% 100% 100% 100% 100% Cleanings 100% 100% 100% 100% 100% 100% 100% 100% Bitewing X-rays 100% 100% 100% 100% 100% 100% 100% 100% Panoramic X-rays 100% 100% 100% 100% 100% 100% 100% 100% Fluoride Treatments 100% 100% 100% 100% 100% 100% 100% 100% Sealants 100% 100% 100% 100% 100% 100% 100% 100% Space Maintainers 100% 100% 100% 100% 100% 100% 100% 100% Fillings 80% 80% 80% 80% 80% 80% 80% 80% Simple Extractions 80% 80% 80% 80% 80% 80% go% 90% Oral Surgery 80% 80% 80% 80% 80% 80% 80% 80% Endodontits (root canals) 80% 80% 80% 80% 80% 60% 80% 80% Periodontic (treatment of gums) 80% 80% 80% 80% 80% 80% 80% 80% Crowns 50% 50% 50% 50% 0% 0% 50% 50% Dentures 50% 50% 50% 50% 0% 0% 50% 50% Bridges 50% 50% 50% 50% 0% 0% 50% 50% Inlays, Onlays 50% 50% 50% 50% 0% 0% 50% 50% Implants 50% 50% 50% 5 %% 0% 0% 50% 50% RATE COMPARISON Employee 23 $46.58 $46.58 $31.10 $47.98 Employee + Spouse 6 $102.98 $102.98 $60.93 $106.07 Employee + Child 0 $104.15 $104.15 $72.07 $107.27 Employee + Children 4 $104.15 $104.15 $72.07 $107.27 Family 11 $166.56 $166.56 $109.50 $171.56 TOTAL 44 TOTAL MONTHLY COST $3,937.98 $3,937.98 $4,056.20 TOTAL ANNUAL COST $47,255.76 $47,255.76 $48,674.40 DIFFERENCE FROM CURRENT 0.0% 3.0% -If two add tonal lines are Implemented with MetLife dual option dental rates will be lower. If only the High Plan is offered with Principal, High plan rates will be lower. 0—Aila1 makes unhlased. valo —ol assessments wllhouL regard to carriercompensation programs. We are able le provide mere spedlic lnlwmadon about our cempensallen structure aladienl'a rerynl. These rates are for comparlwn pwpous only andare based on lnlormadon prwitletl byyeur company CM1anges in IMs InlormaUen may result In a change to lMs analYvls. The Information contained —In Is meant to summarise various berelil packages and com W ny Policy. If any diure y arises between IMs document andlM plan decume nlsand/or companylundbook,IIK plan documents and/orwmWnY—b-I, will prevail. Under 1. code 3.34.E of IM Stale of Virginia, we request Ihat the contents of thls RFP be comldered proprietary and muss be kept ronlidenlial. 11/24/2020 e'.jONEDIGITAL The Town of Westlake EPAPLOYER PAID DENTAL INSURANCE RENEWAL & OPTIONS EFFECTIVE DATE: 1ANUARY 1, 2021 Carrier MetLife PARTICIPATION REQUIREMENTN/A RATE GUARANTEE 7..70.1n I year Product Type PPO Network ork Out of Network Deductible (Ind./Family) $50/$150 $50/$150 $50/$150 $50/$150 Annual Benefit Maximum $1,500 $1,500 $1,000 $1,000 Network Payment Level Fee R&C Fee R&C Waiting Periods None None Preventive/Diagnostic Service Charges Excluded from Annual Maximum No No No No Posterior Composites Covered No No No No Max Rollover Feature No No No No I:,: 1 : Preventive & Diagnostic Services 100% 300a/ 100% 100% Basic Services 80% 80% 80% 80% Major Services 50% 50% 50% 50% Orthodontic Services 50% 50% 50% N/A Orthodontia Age Limit 19 19 19 19 Orthodontia Benefit Maximum $1,500 $1,500 $1,500 $1,500 Oral Exams 100% 100% 100% 100% Cleanings 100% 100% 100% 100% Bitewing X-rays 100% 100% 100% 100% Panoramic X-rays 100% 100% 100% 100% Fluoride Treatments 100% 100% 100% 100% Sealants 100% 100% 100% 100% Space Maintainers 100% 100% 100% 100% Fillings 80% 80% 80% 80% Simple Extractions 80% 80% 80% 80% Oral Surgery 80% 80% 80% 80% Endodontics (root canals) 80% 80% 80% 80% Periodontic (treatment of gums) 80% 80% 80% 80% Crowns 50% 50% 50% 50% Dentures 50% 50% 50% 50% Bridges 50% 50% 50% 50% Inlays, Onlays 505, 50% 50% 50% Implants 50% 50% 50% 50% RATE COMPARISON Employee 23 1 $46.58 $46.58 Employee + Spouse 6 $102.98 $102.98 Employee + Child 0 $104.15 $104.15 Employee + Children 4 $104.15 $104.15 Family 11 $166.56 $166.56 TOTAL 44 TOTAL MONTHLY COST $3,937.98 $3,937.98 TOTAL ANNUAL COST $47,255.76 $47,255.76 DIFFERENCE FROM CURRENT T 0.0% -If two addlon al IInes are Implemented with MelLlfe d-1 option dental rates will be lower. If only the High Plan is offered with Principal, High rcGgital makes unbiased,valueb dassessmenIs ilhoulregard lerarrier compenulien programv. W cable le proviJe more specific lnlormation about our campenullonstruclum al a client's request These ides are for comp dwn purposes only and are haled on lnlormation provided by your comyny. Changes in this inform.lion may result In a change to this analysl, The I -, motion contalred herein Is meant to summarise various b,rcfit packages and company policy. IIany Jiurep ar ises be tween this document and the plan documentsanyor company handbook, the plan document, and/or company lurdbook will prevail. Under the code — . 1 of the Slate of VlrgiNa, we request that the contents of Ns PFP be comldered proprietary and must h kept conlidenllal. 11/24/2020 00'�ONEDIGITAL HEALTH AND SE`:EFITS Resolution 20-36 The Town of Westlake VISION 12/12/24 RENEWAL AND OPTIONS EFFECTIVE DATE: JANUARY 1, 2021 Exhibit "A" MetLife Option Recommended It'll ll; CARRIER United Healthcare United Healthcare MetLife PRODUCT TYPE NETWORK VSP VSP Choice PARTICIPATION REQUIREMENT N/A N/A 96% of eligible employees RATE GUARANTEE N/A 1 year 2 years EYE EXAM Once every 12 months Once every 12 months Once every 12 months LENSES Once every 12 months Once every 12 months Once every 12 months FRAMES Once every 24 months Once every 24 months Once every 24 months In Network Out of Network In Network Out of Network In Network Out of Network EYE EXAM $10 Up to $40 $10 Up to $40 $10 Up to $45 LENSES Single $25 Up to $40 $25 Up to $40 $25 Up to $30 Bifocal $25 Up to $60 $25 Up to $60 $25 Up to $50 Trifocal $25 Up to $80 $25 Up to $80 $25 Up to $65 Lenticular $25 Up to $80 $25 Up to $80 $25 Up to $100 FRAMES $130 allowance after copay Up to $45 $130 allowance aftercopay Up to $45 $130 allowance; $150 on featured allowance @ Costco, Walmart, Sam's Club Up to $70 CONTACT LENSES Elective Covered contact lenses - $0; Non- selection contacts - up to $105 Up to $105 Covered contact lenses - $0; Non- selection contacts up to $105 Up to $105 $130 Allowance Up to $105 Necessary Covered in full Up to $210 Covered in full Up to $210 Covered in full Up to $210 RATE COMPARISON Employee 29 $6.43 $6.43 $6.48 Employee + Spouse 4 $13.51 $13.51 $12.99 Employee + Child 0 $15.88 $15.88 $11.00 Employee + Child(ren) 5 $15.88 $15.88 $11.00 Family 6 $23.41 $23.41 $18.14 Tota I 44 MONTHLY COSTS 1 $460.37 $460.37 $403.72 ANNUAL COSTS $5,524.44 $5,524.44 $4,844.64 PERCENTAGE DIFFERENCE 0.00% -12.31% ANNUAL DOLLAR DIFFERENCE $0.00 ($679.80) 0,,D,gita1 makes unbiased, value based a ssessments without regard to carrier compensation programs. We are able to provide more specific information about our compensa tionslructureatadienl'srequest. These rates are for comparison purpos only and are based on information provided by your company. Changes in this information may result in a change to this analysis. The information contained herein is meant to summarize various benefit packages and company pallcy. Ifany dl screpan arises between this document and the plan documents and/or company handbook, the plan documents and/or company handbook will prevail. Under the code 2.24342 of the State of Virginia, we request that the contents of this RFP be considered proprietary and must be kept confidential. 11 /24/2020