City of San Bernardino
2027 Final Renewal Rates & Benefits
August 5, 2026
2 2027 Renewal Executive SummaryMedical Program
Medical renewal reflects an overall 11.1% increaseacross all active employee and early retiree medical plans.
Current medical plan offerings will remain in place for the 2027 plan year.
Benefit & Legislative Updates
SB 729 Fertility Benefitswill be incorporated into the HMO medical plans. Additional carrier-specific details will be communicated once finalized.
GLP-1 Coverage Changesbecome effective January 1, 2027, including changes to coverage for non-diabetic weight-loss medications and updated clinical eligibility requirements. Members currently utilizing these medications should prepare for the transition during 2026. 3 2027 Renewal Executive SummaryAncillary Benefits
Dental, vision, life, disability, and employee assistance benefits remain stable, with minimal plan or rate changes due to existing rate guarantees.
Voluntary benefit programs will continue with existing carrier offerings. Financial Highlights The renewal strategy maintains the City's current benefit portfolio while balancing rising healthcare costs.
Most ancillary programs continue under multi-year rate guarantees, helping minimize the overall financial impact.
The primary cost driver for 2027 remains the medical program renewal.
SB729 Fertility – Carrier Updates
Fertility benefits are included under the HMO plan offerings (Kaiser and Anthem).•Kaiser specifics pending A detailed comparison of specific benefits is provided in the following exhibit.
The PPO plan is self-insured and not subject to legislative fertility coverage mandates; therefore, fertility benefits are not currently covered under the PPO plan.
At this time, a fertility benefit maximum (if applicable) has not yet been confirmed.
Additional details, including finalized coverage and any applicable limits, will be provided once information is received from the carriers. Updates will be reflected in the SBCs and Evidence of Coverage (EOC) documents. 5 Anthem – Fertility Coverage
6 Changes to GLP-1 Coverage Effective 1/1/27
Through December 31, 2026
Digbi Healthremains the exclusive prescribing program for non-diabetic, weight-loss GLP-1 medications. Members currently using GLP-1 medications may be required to complete a 6-month reauthorization process.
Continued authorization is subject to eligibility and clinical review. Digbi Health will work directly with affected members throughout the reauthorization process.
Effective January 1, 2027
Coverage Changes
Coverage for non-diabetic weight-loss GLP-1 medications will end under the PRISMHealth program.
GLP-1 medications will generally be covered only for members diagnosed with Type 2 Diabetes. Existing prior authorizations will expire and will not carry forward into 2027. Grandfathering provisions will not apply.
7 Changes to GLP-1 Coverage Effective 1/1/27Coverage Beginning January 1, 2027Plan TypeWeight-loss GLP-1 medications will no longer be included on the formulary.PPO and HDHPCoverage for non-diabetic GLP-1 medications may continue only if clinical criteria are met (BMI >40 or BMI 35–40 with a qualifying comorbidity). DigbiHealth will no longer be the exclusive prescribing program.HMO & KaiserMember Action Items Review your treatment plan with your healthcare provider.
Complete the required reauthorization process through Digbi Health, if applicable.
Fill eligible prescriptions before December 31, 2026, if appropriate.
Discuss alternative treatment options with your provider if you may be affected by the coverage changes 8 2026 Renewal Plan Overview
Decision/OutcomeCoverage
Kaiser HMO: 11.1%
Anthem HMO (Trad & Select): 11.1%
Anthem PPO: 11.1%
Anthem HDHP: 11.1%
Medical Plans
(Actives & Early Retirees)
Delta Dental PPO: Core & Buy-Up: 2.3%
Delta DHMO: Middle of rate guarantee to 12/31/26
Dental Plans
VSP Core & Buy-Up: Middle of rate guarantee to 12/31/28Vision Plans Middle of rate guarantee to 12/31/26
Basic Life/AD&D
STD & LTD
Vol Life
PFL – rate pass
Disability Plans
Lincoln – No CostBasic EAP
Colonial Accident and Critical Illness – Age ratedVoluntary Plans Pet Benefit Solutions – Rate PassVoluntary Plans
ScholarshareVoluntary Plans
RX ‘N’ GoPharmacy Delivery
$3.50 PPPM – contract ends 12/31/27Health Equity
Financial/Strategy Recap
10 2027 Renewal Financial OverviewLine of Coverage Current Renewal$ D% DKaiser (PRISM): HMO479$8,428,260$9,363,240$934,98011.1%Anthem (PRISM): HMO Traditional165 $2,998,500 $3,331,656$333,156 11.1%Anthem (PRISM): HMO Select 78 $1,250,244 $1,389,072$138,828 11.1%Anthem (PRISM): PPO18 $403,704 $448,560$44,856 11.1%Kaiser (PRISM): HMO - Early Retiree9 $160,788 $178,620$17,832 11.1%Anthem (PRISM): HMO Traditional - Early Retiree2 $69,684 $77,424$7,740 11.1%Anthem (PRISM): HMO Select - Early Retiree1 $16,704 $18,564$1,860 11.1%Anthem (PRISM): PPO - Early Retiree1 $28,632 $31,812$3,180 11.1%Delta Dental (PRISM): DHMO193 $61,564 $61,564$0 0.0%Delta Dental (PRISM): DPPO - Core124 $134,953 $140,222$5,269 3.9%Delta Dental (PRISM): DPPO - Buy Up 287$282,818 $294,149$11,330 4.0%In Rate GuaranteeVSP: Vision - Core270 $47,563 $47,563$0 0.0%In Rate GuaranteeVSP: Vision - Buy Up338 $70,690 $70,690$0 0.0%Rate Guarantee ExtendedLincoln (PRISM) - Basic Life/AD&D$70,891 $70,891$0 0.0%Rate Guarantee ExtendedLincoln (PRISM) - Long Term Disability$51,560 $51,560$0 0.0%Rate Guarantee ExtendedLincoln (PRISM) - Short Term Disability $17,982 $17,982$0 0.0%Lincoln (PRISM) - PFL$27,321 $27,321$0 0.0%TOTAL ANNUAL PREMIUM $14,121,857 $15,620,889 $1,499,032 10.61% 11 Medical Only OverviewLine of Coverage Current Renewal$ D% DKaiser (PRISM): HMO479 $8,428,260 $9,363,240$934,980 11.1%Anthem (PRISM): HMO Traditional165 $2,998,500 $3,331,656$333,156 11.1%Anthem (PRISM): HMO Select 78 $1,250,244 $1,389,072$138,828 11.1%Anthem (PRISM): PPO18 $403,704 $448,560$44,856 11.1%Kaiser (PRISM): HMO - Early Retiree9 $160,788 $178,620$17,832 11.1%Anthem (PRISM): HMO Traditional - Early Retiree2 $69,684 $77,424$7,740 11.1%Anthem (PRISM): HMO Select - Early Retiree1 $16,704 $18,564$1,860 11.1%Anthem (PRISM): PPO - Early Retiree1 $28,632 $31,812$3,180 11.1%TOTAL ANNUAL PREMIUM $13,356,516 $14,838,948 12 Medical Overview - ActivesLine of Coverage Current Renewal$ D% DKaiser (PRISM): HMO479$8,428,260$9,363,240$934,98011.1%Anthem (PRISM): HMO Traditional165 $2,998,500 $3,331,656$333,156 11.1%Anthem (PRISM): HMO Select 78 $1,250,244 $1,389,072$138,828 11.1%Anthem (PRISM): PPO18 $403,704 $448,560$44,856 11.1%TOTAL ANNUAL PREMIUM $13,080,708 $14,532,528 13 Historical Medical Renewals RENEWAL HISTORY CHARTPlan YearCity of San Bernardino PPO Renewal ChangePRISMHealth PPO/HMO/Kaiser Pool RenewalCity of San Bernardino PPO CPRA Adj AppliedCalPERS PERS Platinum PPO (Previously PERSCare) Region 2CA PPO Insured Pooled Renewals2017 N/A 2.4% N/A 5.35% 9.0%2018 N/A 3.6% N/A -8.57% 12.9%2019 5.0% 4.0% 0.00% 23.7% 10.9%2020 2.8% 2.8% 0.00% 8.7% 10.9%2021 0.8% 5.2% -4.81% 13.1% 10.9%2022 -9.3% -1.7% -7.50% -20.9% 10.9%2023 9.2% 8.9% 0.00% 15.0% 12.5%2024 7.8% 12.3% -4.64% 13.5% 13.9%2025 5.3% 4.7% 0.00% 9.3% 12.4%2026 14.8% 14.2% 0.00% 13.3% 13.9%8-YR Average 4.35% 6.18% -2.16% 8.67% 12.0% 14 Kaiser HMOCalendar Year Deductible Individual / FamilyNoneEmbedded / AggregateN/AAnnual Out-of-Pocket MaximumIndividual / Family$1,500 / $3,000Embedded / AggregateEmbeddedPhysician Office Visit$20 / Visit Specialist CopayPreventative CareNo ChargeVirtual Physician VisitNo ChargeLab and X-RayCT, MRI, PET scansNo ChargeOther lab and x-ray testsNo ChargeHospitalizationInpatientOutpatient$20 / Procedure $50 / Visit(waived if admitted)Urgent Care Services$20 / Visit$15 / Visit (20 visits per calendar year)(Physician referred; Nausea & pain only)PRESCRIPTION DRUGSGeneric / Brand / SpecialtyRetail - 30 day supply$10 / $30 / 20% up to $150Mail Order - up to 100 day supply$20 / $60 / Not CoveredACTIVE MONTHLY RATESEEsCurrentRenewalEE Only230$848.00$942.00EE + 184$1,665.00$1,850.00EE + Family165$2,227.00$2,474.00479MONTHLY PREMIUM$702,355$780,270ANNUAL PREMIUM$8,428,260$9,363,240EARLY RETIREE MONTHLY RATESEEsCurrentRenewalEE Only8$1,344.00$1,493.00EE + 11$2,647.00$2,941.00EE + Family0$3,546.00$3,940.009MONTHLY PREMIUM$13,399$14,885ANNUAL PREMIUM$160,788$178,620ACTIVE / EARLY RETIREE TOTALCurrentRenewalTOTAL MONTHLY PREMIUM$715,754$795,155TOTAL ANNUAL PREMIUM$8,589,048$9,541,860ANNUAL DOLLAR CHANGE$952,812ANNUAL PERCENT CHANGE11.1% $20 / Visit
Medical Plan Benefits
Emergency RoomChiropractic CareAcupuncture Care$20 / Visit No Charge Kaiser (PRISM): Medical HMOCurrent / Renewal
15 Anthem Traditional HMOCalendar Year Deductible Individual / FamilyEmbedded / AggregateAnnual Out-of-Pocket MaximumIndividual / FamilyEmbedded / AggregatePhysician Office VisitSpecialist CopayPreventative CareVirtual Physician VisitLab and X-RayCT, MRI, PET scansOther lab and x-ray testsHospitalizationInpatientOutpatientPRESCRIPTION DRUGSRetail - 30 day supplyMail Order - up to 90 day supplyACTIVE MONTHLY RATESEEsCurrentRenewalEE Only85$891.00$990.00EE + 122$1,749.00$1,943.00EE + Family58$2,339.00$2,599.00165MONTHLY PREMIUM$249,875$277,638ANNUAL PREMIUM$2,998,500$3,331,656EARLY RETIREE MONTHLY RATESEEsCurrentRenewalEE Only1$1,594.00$1,771.00EE + 10$3,143.00$3,492.00EE + Family1$4,213.00$4,681.002MONTHLY PREMIUM$5,807$6,452ANNUAL PREMIUM$69,684$77,424ACTIVE / EARLY RETIREE TOTALCurrentRenewalTOTAL MONTHLY PREMIUM$255,682$284,090TOTAL ANNUAL PREMIUM$3,068,184$3,409,080ANNUAL DOLLAR CHANGE$340,896ANNUAL PERCENT CHANGE11.1% $20 / Visit $20 / Visit Medical Plan BenefitsN/A$1,500 / $3,000EmbeddedCurrent / RenewalAnthem (PRISM): Traditional HMONoneNo Charge$10 / Visit$20 / VisitNo ChargeNo ChargeNo ChargeNo Charge$50 / Visit(waived if admitted)$20 / Visit Acupuncture Care (30 visit limit combined with chiropractic) Emergency Room$10 / Visit$5 / $15 / $25 / $45 / 30% with $250 maxTier 1a / Tier 1b / Tier 2 / Tier 3 / Tier 4 1,2$12.50 / $37.50 / $75 / $135 / 30% with $250 maxChiropractic Care (30 visit limit combined with acupuncture) Urgent Care Services(waived if admitted) 16 Anthem Select HMOCalendar Year Deductible Individual / FamilyEmbedded / AggregateAnnual Out-of-Pocket MaximumIndividual / FamilyEmbedded / AggregatePhysician Office VisitSpecialist CopayPreventative CareLab and X-RayCT, MRI, PET scansOther lab and x-ray testsHospitalizationInpatientOutpatientPRESCRIPTION DRUGSRetail - 30 day supplyMail Order - up to 90 day supplyACTIVE MONTHLY RATESEEsCurrentRenewalEE Only39$776.00$862.00EE + 111$1,525.00$1,694.00EE + Family28$2,041.00$2,268.0078MONTHLY PREMIUM$104,187$115,756ANNUAL PREMIUM$1,250,244$1,389,072EARLY RETIREE MONTHLY RATESEEsCurrentRenewalEE Only1$1,392.00$1,547.00EE + 10$2,741.00$3,045.00EE + Family0$3,676.00$4,084.001MONTHLY PREMIUM$1,392$1,547ANNUAL PREMIUM$16,704$18,564ACTIVE / EARLY RETIREE TOTALCurrentRenewalTOTAL MONTHLY PREMIUM$105,579$117,303TOTAL ANNUAL PREMIUM$1,266,948$1,407,636ANNUAL DOLLAR CHANGE$140,688ANNUAL PERCENT CHANGE11.1% Chiropractic Care
Medical Plan Benefits
Emergency Room$50 / Visit
Anthem (PRISM): Select Network HMOCurrent / RenewalEmbedded$2,000 / $4,000No ChargeNo Charge$40 / Visit No ChargeNoneN/A Acupuncture Care (30 visit limit combined with chiropractic) $20 / Visit (waived if admitted)$20 / Visit$125 / Visit$10 / Visit$5 / $20 / $30 / $50 / 30% up to $250 max$12.50 / $50 / $90 / $150 / 30% up to $250 max$250 / Admit$10 / Visit (30 visit limit combined with acupuncture) Tier 1a / Tier 1b / Tier 2 / Tier 3 / Tier 4 1,2Urgent Care Services(waived if admitted)Narrow Network Plan 17 Anthem PPOAnthem (PRISM): Medical PPOCurrent / RenewalIn-NetworkOut-of-NetworkCalendar Year Deductible Individual / Family$500 / $1,000Embedded / AggregateEmbeddedAnnual Out-of-Pocket MaximumIndividual / Family$2,000 / $4,000Embedded / AggregateEmbeddedPhysician Office Visit$20 (ded waived)40%Specialist Copay$20 (ded waived)40%Preventative CareNo charge (ded waived)40%Lab and X-RayCT, MRI, PET scans10%40% (limited to $800 max/test)Other lab and x-ray tests10%40% (limited to $350 max/day)HospitalizationInpatient10%40% (limited to $600 max/day; copay Outpatient10%40% (limited to $350 max/day)$50 + 10%(Copay Waived if Admitted) Urgent Care Services$20 / Visit (ded waived)40%10%40%(24 visits per calendar year)10%40%(12 visits per calendar year)PRESCRIPTION DRUGSTier 1 / Tier 2 / Tier 3Retail - 30 day supply$10 / $20 / $35$10 / $20 / $35Mail Order - 90 day supply$15 / $30 / $50Not CoveredACTIVE MONTHLY RATESEEsCurrentRenewalEE Only12$1,340.00$1,489.00EE + 14$2,630.00$2,922.00EE + Family2$3,521.00$3,912.0018MONTHLY PREMIUM$33,642$37,380ANNUAL PREMIUM$403,704$448,560EARLY RETIREE MONTHLY RATESEEsCurrentRenewalEE Only1$2,386.00$2,651.00EE + 10$4,703.00$5,225.00EE + Family0$6,302.00$7,002.001MONTHLY PREMIUM$2,386$2,651ANNUAL PREMIUM$28,632$31,812ACTIVE / EARLY RETIREE TOTALCurrentRenewalTOTAL MONTHLY PREMIUM$36,028$40,031TOTAL ANNUAL PREMIUM$432,336$480,372ANNUAL DOLLAR CHANGE$48,036ANNUAL PERCENT CHANGE11.1% Emergency RoomAcupuncture CareChiropractic Care
Medical Plan Benefits
18 Anthem HDHPAnthem (PRISM): Medical HDHP (High HDHP I)Option 1In-NetworkOut-of-NetworkCalendar Year Deductible Individual / Family$1,650 $1,700 / $3,300 $3,400$3,300 $3,400 / $6,600 $6,800Embedded / AggregateAggregateAnnual Out-of-Pocket MaximumIndividual / Family$8,300 / $16,500$16,600 / $33,200Embedded / AggregateEmbeddedPhysician Office Visit20%40%Specialist Copay20%40%Lab and X-RayCT, MRI, PET scans20%40%Other lab and x-ray tests20%40%HospitalizationInpatient20%40%Outpatient20%40%Urgent Care Services20%40%20%40%(30 visits per calendar year)20%40%(20 visits per calendar year)PRESCRIPTION DRUGSGeneric / Brand Formulary / Brand Non-FormularyRetail - 30 day supply20%Mail Order - 90 day supply20%ACTIVE MONTHLY RATESCurrent Renewal EE Only$1,100.00$1,222.00EE + 1 $2,159.00 $2,399.00EE + Family$2,891.00$3,212.00MONTHLY PREMIUM$0ANNUAL PREMIUM$0ANNUAL DOLLAR CHANGEANNUAL PERCENT CHANGEEARLY RETIREE MONTHLY RATESCurrent Renewal EE Only$1,959.00$2,176.00EE + 1$3,861.00$4,290.00EE + Family$5,175.00$5,749.00MONTHLY PREMIUM$0ANNUAL PREMIUM$0 20%
Medical Plan Benefits
Emergency RoomChiropractic CareAcupuncture Care
19 Delta Dental DHMODelta Dental (PRISM): Dental HMOCurrent / RenewalDiagnostic and Preventive ADA CodePeriodic Oral Evaluation 120 No ChargeX-Rays 210 No ChargeTeeth Cleaning 1110 No ChargeTopical Fluoride 1208 No ChargeSealants - per tooth 1351 $10RestorativeAmalgam Filling 1-4 Surfaces 2140-61 $0Resin - one surface, anterior 2330 $0Endodontics (Root Canal Therapy)Pulp Cap 3110 No ChargeTherapeutic Pulpotomy 3220 $0Root Canal Therapy - anterior 3310 $55PeriodonticsGingivectomy - per quadrant 4210 $130Osseous Surgery - per quadrant 4260 $280Scaling and Root Planning - per quadrant 4341 $25Oral SurgeryExtractions - Impacted tooth: soft tissue 7220 $50Extractions - Impacted tooth: partial bony 7230 $70Extractions - Impacted tooth: full bony 7240 $90ProsthodonticsComplete - Upper or Lower 5110-20 $145Immediate - Upper or Lower 5130-40 $165Partial Denture - Upper or Lower 5213-14 $160Crown and BridgeInlay / Onlay 2510-30 $0Crown - Porcelain/Ceramic Substrate 2740 $240Crown - Porcelain Fused to High Noble Metal 2750 $240Crown - Full Cast High Noble Metal 2790 $210Orthodontics - comprehensiveChild to age 19 8080 $1,700Member over age 19 8090 $1,900RATE GUARANTEE 3 Years(1/1/2024 - 12/31/2026)3 Years(1/1/2027 - 12/31/2029)MONTHLY RATESEEsCurrent RenewalEmployee Only103$16.80 $16.80Employee + 1 Dependent39$29.90 $29.90Employee + Family51$43.80 $43.80193TOTAL MONTHLY PREMIUM $5,130 $5,130TOTAL ANNUAL PREMIUM $61,564 $61,564ANNUAL DOLLAR CHANGE $0ANNUAL PERCENT CHANGE0.0% Dental Plan Benefits
20 Delta Dental PPODental Plan Benefits Delta Dental (PRISM): Dental PPO- Core Delta Dental (PRISM): Dental PPO- Buy UpCurrent / Renewal Current / RenewalCalendar Year MaximumPer Member $1,000 $2,000Calendar Year Deductible $50 per person $50 per person(Waived for Diagnostic & Preventive) (Waived for Diagnostic & Preventive)Diagnostic and PreventiveOral Exam X-RaysTeeth Cleaning Fluoride Treatment Basic ServicesFillingsPeriodontics (Gum disease)Routine ExtractionsEndodontics (Root Canal)Oral SurgeryMajor ServicesSurgical ExtractionsBridgeworkDenturesCrownsOrthodontics Adult & Child Adult & ChildBenefit Percentage 80% 80%Lifetime Maximum $2,000 $2,000Rate Guarantee1 Year(1/1/2026 - 12/31/2026)1 Year(1/1/2027 - 12/31/2027)1 Year(1/1/2026 - 12/31/2026)1 Year(1/1/2027 - 12/31/2027)MONTHLY RATESEEsCurrent RenewalEEsCurrent RenewalEmployee Only11$35.70 $37.10139$44.00 $45.80Employee + 1 Dependent36$76.90 $79.9054$95.50 $99.30Employee + Family77$105.00 $109.1094$130.80 $136.00124 287TOTAL MONTHLY PREMIUM $11,246 $11,685 $23,568 $24,512TOTAL ANNUAL PREMIUM $134,953 $140,222 $282,818 $294,149ANNUAL DOLLAR CHANGE $5,269 $11,330ANNUAL PERCENT CHANGE 3.9% 4.0% 100%Out-of-NetworkIn-NetworkIn-NetworkOut-of-Network80%Individual / Family50% 50%80%50%80%50%80%80%100% 80% 21 VSP VisionPRISM VSP: Vision- Core PRISM VSP: Vision- Buy UpCurrentCurrentIn-Network Non-Network In-Network Non-NetworkCopayPlan pays up to:CopayPlan pays up to:Exam $10 $45 $10 $45LensesSingle $10 $30 $10 $30Bifocal $10 $50 $10 $50Trifocal $10 $65 $10 $65Contact Lenses*$130 Allowance $105 $150 Allowance $105Frames$130 Allowance + 20% discount$70$175 Allowance+20% discount$70Frequency of ServicesEye Examination 12 months 12 monthsLenses 12 months 12 monthsFrames 12 months 12 monthsContact Lenses* 12 months 12 months* In lieu of framesRate Guarantee2 Years(1/1/2026 - 12/31/2028) 2 Years(1/1/2026 - 12/31/2028) MONTHLY RATESEEsCurrentEEsCurrentEmployee Only 136$8.60171$10.30Employee + 1 Dependent 52$16.2070$19.50Employee + 2 or More Dependents82$23.8097$28.50270 338TOTAL MONTHLY PREMIUM $3,964 $5,891TOTAL ANNUAL PREMIUM $47,563 $70,690 Vision Plan Benefits
22 PFL RenewalEligibilityEligibility All Eligible Full-Time EmployeesPaid Family Leave (PFL)Benefit Duration 8 WeeksBenefit Amount 60% of your weekly wages earned in the highest quarter of base period, up to $1,750Covered MembersChild, Spouse, Domestic Partner, Parent, Grandparent, Grandchild, In-Laws, and SiblingsElimination Period Benefits are payable immediatelyRate Guarantee1 Year (1/1/27-12/31/27)MONTHLY RATESEEsCurrentRate per $10 weekly covered benefit764$0.380INSURANCE VOLUMEMonthly Covered Payroll $599,137MONTHLY PREMIUM $2,277ANNUAL PREMIUM $27,321
PFML SERVICES
This document is intended as a quick reference, not a comprehensive description. Limitations and exclusions can be found in the official plan documents. In case of any discrepancies, the official plan documents will govern.
PRISM Lincoln Financial PFL
23 Lincoln Life/AD&DPRISM Lincoln FinancialCurrentEligibilityClass 1-10: ActivesYou (the Employee) must be performing the normal duties of Your regular job for the Policyholder on a regular and continuous basis 30 or more hours each week to be eligible for insurance.Class 11-16: RetireesAn eligible Retiree will become insured on the day the Retiree becomes eligible, subject to certain conditions (as described in the When Insurance Begins provision in the Certificate).Life Benefits Life Benefits AD&D Benefits Dependent LifeClass 1: EDA Employees $50,000 Same as Life $1,000Class 2: Full-Time Elected Officials 1 x Salary to $250,000 Same as Life $1,000Class 3: City Council Members $75,000 Same as Life $1,000Class 4: Mgmt. Employees $75,000 Same as Life $1,000Class 5: Confidential Employees $50,000 Same as Life $1,000Class 6: General Unit & Middle Mgmt. Employees $10,000 $25,000 $1,000Class 7: All Other Mgmt. & Police Mgmt. Employees $50,000 Same as Life $1,000Class 8: Police Safety Employees $25,000 Same as Life $1,000Class 9: Part-Time Elected Officials $75,000 Same as Life $1,000Class 10: Executive Mgmt Employees 1 x Salary to $500,000 Same as Life $1,000Class 11: Retirees in Mgmt, Police Mgmt, & Fire Mgmt $50,000 Not Covered Not CoveredClass 12: Retirees in Confidential & Police Safety $25,000 Not Covered Not CoveredClass 13: Retirees in General & Mid Mgmt $10,000 Not Covered Not CoveredClass 14: Retirees in Fire Safety $5,000 Not Covered Not CoveredClass 15: Grandfathered Retirees $6,400 Not Covered $1,000Class 16: Grandfathered Retirees Electing Dependent coverage in the amount of $250$10,000 Not Covered $250Class 17 - PD General $10,000 $25,000 $1,000Class 18 - PD- General Bargaining Unit 33 $10,000 $25,000 $1,000Age % of Original Benefit70 50%75 25%Additional Benefits: Actives OnlyWaiver of Premium IncludedSeat Belt Provision (AD&D)Air Bag Provision (AD&D)EAPSelf Bill or List Bill Self BillPRISM Lincoln FinancialRate Guarantee 4 Years (1/1/2024-12/31/2027)MONTHLY RATES CurrentActive & Retirees: Basic LifeClass 1-18: Basic Life Benefit Volume $19,247,750Class 1-18: Basic Life Rate per $1,000 $0.260Basic Life Monthly Premium $5,004Actives: Basic AD&DClass 1-10 & Class 17 & 18: Basic AD&D Benefit Volume $24,970,250Class 1-10 & Class 17 & 18 :Basic AD&D Rate per $1,000 $0.030Basic AD&D Monthly Premium $749Spouse and Dependent Child(ren) LifeClass 1-8, 10-18: Dependent Life Units395Class 1-8, 10-18: Dependent Life Rate$0.39Class 9: Dependent Life Units0Class 9: Dependent Life Rate$0.34Dependent Life Premium $154MONTHLY PREMIUM$5,908ANNUAL PREMIUM $70,891 10% insured's Principal Sum10% insured's Principal Sum
Basic Life and AD&D Plan Benefits
Benefit Reduction FormulaBasic Life and AD&D RatesIncluded Rate guarantee extended 1 year
24 Lincoln LTDPRISM Lincoln FinancialCurrentEligibilityClass 1All Eligible Management, Executive Management, Police Management, Middle Management, and Confidential with the Exception of Council Members and EDA working a min of 30 Hours per WeekClass 2All Eligible Employees Classified as General Unit regularly working a min of 30 Hours per WeekClass 3All Eligible Elected Officials working a min of 30 hours per weekElimination PeriodClass 1: 180 DaysClass 2: 90 DaysClass 3: 180 DaysClass 1: 60%Class 2: 50%Class 3: 60%Maximum Monthly BenefitClass 1-3: $5,000Own Occupation Definition1 YearMaximum Benefit DurationRBD to age 65, or SSNRA Pre-Existing Condition3/12Mental & Substance Abuse24 monthsFICA MatchIncludedW-2 ProductionIncludedSelf Bill or List BillSelf BillRate Guarantee4 Years (1/1/2024-12/31/2027)MONTHLY RATES CurrentRate per $100 of Monthly Covered Payroll $0.158INSURANCE VOLUMEMonthly Covered Payroll $2,719,418MONTHLY PREMIUM $4,297ANNUAL PREMIUM $51,560 Long Term Disability Plan Benefits
Monthly Benefit PercentageRate guarantee extended 1 year 25 Lincoln STDPRISM Lincoln Financial PRISM Lincoln Financial PRISM Lincoln FinancialCurrent/Renewal Current/Renewal Current/RenewalEligibility Eligibility Classes All Eligible Management, Executive Management, Police Management, Middle Management, Confidential and Elected Officials, except City Council Members working 30 hours per weekAll Eligible Management, Executive Management, Police Management, Middle Management, Confidential and Elected Officials, except City Council Members working 30 hours per weekAll Eligible Management, Executive Management, Police Management, Middle Management, Confidential and Elected Officials, except City Council Members working 30 hours per weekSTD Benefits Maximum Weekly Benefit$1,250$1,250$1,250Weekly Benefit Percentage60%60%60%Maximum Benefit Duration26 Weeks26 Weeks26 WeeksElimination Period - Accident30 Days14 Days7 DaysElimination Period - Sickness30 Days14 Days7 DaysElimination Period - Maternity30 Days14 Days7 DaysElimination Period - 1st Day Hospitalization30 Days14 Days7 DaysPaid Family Leave BenefitsEligibility All Eligible Employees All Eligible Employees All Eligible Employees Benefit Percentage 60% to 70% 60% to 70% 60% to 70%Maximum Weekly Benefit$1,540$1,540$1,540Maximum Benefit Duration8 weeks 8 weeks 8 weeks AdministrationFICA Match Included Included IncludedW-2 Reporting Included Included IncludedSelf Bill or List Bill List Bill List Bill List BillRate Guarantee4 Years (1/1/2024-12/31/2027)4 Years (1/1/2024-12/31/2027)4 Years (1/1/2024-12/31/2027)MONTHLY RATESCurrent/RenewalCurrent/RenewalCurrent/RenewalRate per $100 of Monthly Covered Payroll$0.125$0.330$0.376INSURANCE VOLUMEMonthly Covered Payroll$1,198,776$1,198,776$1,198,776MONTHLY PREMIUM$1,498$3,956$4,507ANNUAL PREMIUM$17,982$47,472$54,089 Short Term Disability Plan Benefits
26 Lincoln Voluntary Life/AD&DVoluntary Life PRISM Lincoln FinancialPlan BenefitsCurrent/RenewalEligibilityAll full-time active employees workingat least 30 hours each weekEmployee Life BenefitMaximum 4x annual salary $500,000 Minimum 1x annual salary or $10,000Increments of: 1x annual salaryGuaranteed Issue Amount 4x annual salary $350,000 Spouse Life BenefitMaximum 100% of EE's benefit, up to $250,000Minimum $5,000Increments of: $5,000Guaranteed Issue Amount 100% of EE's benefit, up to $50,000Dependent Life BenefitMaximum $10,000Minimum $2,000Increments of: $1,000Guaranteed Issue Amount $10,000Age % of Original Benefit70 50%75 25%Waiver of Premium IncludedPortability IncludedSelf Bill or List Bill List BillRate Guarantee4 Years (1/1/2024-12/31/2027)Current/RenewalEmployee & SpouseUnder age 20 $0.042Age 20-24 $0.042Age 25-29 $0.042Age 30-34 $0.050Age 35-39 $0.070Age 40-44 $0.139Age 45-49 $0.202Age 50-54 $0.406Age 55-59 $0.518Age 60-64 $1.021Age 65-69 $1.021Age 70-74 $1.021Age 75+ $1.021Child Rate per $1,000 $0.100 Benefit Reduction ScheduleMonthly Rates per $1,000
PRISM Lincoln FinancialCurrent/RenewalEligibilityAll full-time active employees workingat least 30 hours each weekEmployee Life Benefit Family PlansSpouse & Child(ren)Spouse Only Child(ren) OnlyMinimum$25,000 Maximum $250,000 Increments of:Employee may select a Principal Sum equal to $25,000; $50,000; $75,000; $100,000; $150,000; $200,000 or $250,000.Rate GuaranteeMonthly Rate per $1,000 Current/RenewalEmployee Only $0.030Employee + Family $0.033 Voluntary AD&D Plan Benefits
Benefit Reduction Schedule
EmployeeSpouse Benefit:40% of Employee's benefitChild Benefit:10% of Employee's benefit4 Years (1/1/2024-12/31/2027) 50% of Employee's benefit15% of Employee's benefitAge % of Original Benefit8015%6565%7040%7525%Rate guarantee extended 1 year 27 Lincoln EAPEAP PRISM Lincoln Plan Benefits Current Base EAP SessionsFace-to-Face 5 sessions per issueTelephonic Consultation (24/7) Included Employee ServicesLegal 30-minute consultation per issueFinancial Two 30-minute consultations per issueDependent Care Unlimited Consultations / Online Self-SearchIdentity Theft Monitoring IncludedMobile App Mobile Compatible Website IncludedEmployer ServicesManagement Consultations Unlimited TelephonicCISM (Critical Incident Stress Management) Not CoveredTraining / Workshops Not CoveredInternet Services IncludedEAP Promotional Materials IncludedRATE GUARANTEE1 Year(1/1/27 - 12/31/27)MONTHLY RATESEEsCurrentPer Employee Per Month372Included 28 Colonial Voluntary Accident PlanColonial - Basic PlanCurrent / RenewalCompany Rating A.M. Best APlan Design OptionsPortability Yes, after first payroll deductionEmployee Eligibility Employees working at least 30 hours per weekParticipation Requirements NoneBenefitsEmergency Room Treatment $100Fractures Up to $4,500Dislocation Up to $4,000Hospital Admission $750Hospital Confinement$175/day(up to 365 days)Accident Follow-Up Treatment$50/visit3 visits per covered accident / 12 per yearAmbulance$200 (Ground)$1,000 (Air)Blood/Plasma/Platelets $300Burns, 2nd Degree $750Burns, 3rd Degree $1,500-$12,000Coma$7,500(Duration of 14 or more consecutive days)Concussion $275Emergency Dental Work$150 (repaired with crown)$50 (resulting in extraction)Eye Injury$200Knee Cartilage- Torn $500Laceration $50 - $600Lodging$150(per day up to 30 days)Prosthetic Device/Artificial Limb$750 (1 device)$1,500 (2 or more devices)Ruptured Disc $600SurgeryOpen Abdominal or Thoracic - $1,000(Exploratory $150)Tendon/Ligament/Rotat or Cuff$600 (1 device)$1,200 (2 or more devices)Transportation $400 (up to 3 trips per accident)Rate Guarantee 1/1/2027 - 12/31/2027Employee $15.27Employee + Spouse $25.90Employee + Child(ren) $25.62Family $36.25 Accident Plan Benefits
29 Colonial Critical Illness PlanColonial Life: Critical IllnessCurrent / RenewalBenefit Amounts $5,000 - $100,000 in $1,000 incrementsGuaranteed Issue Up to $50,000Spouse Coverage Up to 50% of Employees CoverageDependent Coverage Up to 50% of Employees CoveragePOLICY BENEFITS POLICY BENEFITSCancer 100%Coronary Artery Bypass Graft Surgery 25%Heart Attack 100%Major Organ Transplant100%(Major Organ Failure)Blindness 100%Stroke 100%Enrollment POLICY BENEFITSCurrent participation 49Rate Guarantee 1/1/2027 - 12/31/2027MONTHLY RATES: NON-TOBACCO EE EE + SP EE + Child(ren) FamilyBenefit Amount ($10,000)16-29 $14.96 $24.62 $15.70 $25.4630-39 $18.76 $30.42 $19.60 $31.1640-49 $27.16 $42.92 $28.00 $43.8650-59 $40.56 $63.82 $41.50 $64.7660-64 $58.56 $91.32 $59.50 $92.26Benefit Amount ($25,000)16-29 $20.96 $33.47 $22.45 $35.2130-39 $30.46 $47.97 $32.20 $49.4640-49 $51.46 $79.22 $53.20 $81.2150-59$84.96$131.47$86.95$133.4660-64 $129.96 $200.22 $131.95 $202.21MONTHLY RATES: TOBACCO EE EE + SP EE + Child(ren) FamilyBenefit Amount ($10,000)16-29 $18.23 $30.06 $19.07 $30.8030-39 $24.03 $38.66 $24.87 $39.4040-49 $37.33 $58.76 $38.27 $59.6050-59 $58.73 $92.26 $59.57 $93.2060-64 $88.83 $138.16 $89.77 $139.20Benefit Amount ($25,000)16-29 $27.83 $44.46 $29.57 $45.9530-39 $42.33 $65.96 $44.07 $67.4540-49 $75.58 $116.21 $77.57 $117.9550-59 $129.08 $199.96 $130.82 $201.9560-64 $204.33 $314.71 $206.32 $316.95 Critical Illness
Exhibits
31 DisclosuresCarrier AM Best Rating Coverage Product(s)Anthem A Medical HMO, PPOColonial A Voluntary Accident, Critical IllnessDelta Dental A Dental DHMO, DPPOVSP A- Vision VisionKaiser NR Medical HMOLincoln Financial A Life & DisabilityBasic Life and AD&D, STD, LTD, Supplmental Life, Supplemental AD&DPet Benefit Solutions NR VoluntaryPet Insurance 32 DisclosuresAlliant embraces a policy of transparency with respect to its compensation from insurance transactions. Details on our compensation policy, including the types of income that Alliant may earn on a placement, are available on our website at www.alliant.com. For a copy of our policy or for any inquiries regarding compensation issues pertaining to your account you may also contact us at: Alliant Insurance Services, Inc., Attention: General Counsel, 701 B Street, 6th Floor, San Diego, CA 92101.Analyzing insurers' over-all performance and financial strength is a task that requires specialized skills and in-depth technical understanding of all aspects of insurance company finances and operations. Insurance brokerages such as Alliant typically rely upon rating agencies for this type of market analysis. A.M. Best has been an industry leader in this area for many decades, utilizing a combination of quantitative and qualitative analysis of the information available in formulating their ratings.Alliant’s standard protocol is to only place coverage with carriers with no less than an “A-”- rating from A.M. Best. However, where Alliant determines that it is prudent to consider coverage with a lower rated carrier, the financial rating of the carrier is to be disclosed to the client. Should Alliant becomes aware of a carrier’s rating dropping below “A-“ mid-policy period we will review and advise you of the situation and consider if an alternative carrier can be reasonably provided prior to renewal.A.M. Best has an extensive database of nearly 6,000 Life/Health, Property Casualty and International companies. You can visit them atwww.ambest.com.Rates quoted assume current employer contribution levels and participation levels unless otherwise stated. Final rates will be based on final enrollment underwriting. Updated claims experience or other information may be required to finalize rates. If group demographics, enrollment levels or employer contributions change, rates may change or the quote may be withdrawn.In general, employees must be actively act work on the effective date of the plan. When implementing new coverage, employees who are not actively at work will not be covered under the plan until they return to active state. It may be possible to waive the actively at work provision.This proposal should not be interpreted as inclusive of all plan provisions and limitations. For further details, refer to the insurance carrier proposals and carrier plan documents. Benefit coverage and eligibility provisions for fully insured health plans may vary from state to state, based on state mandates. Illustrated enrollment is based on the information provided (employee census, current premium statement and or carrier renewal).Coverage is not in effect until it is approved by the insurance carrier’s underwriter. alliant.com | CA License No. 0C36861 | © 2026 Alliant Insurance Services, Inc.PROPRIETARY & CONFIDENTIAL. Thank You