Attachment A - 2023 Annual Health Benefits Report — City Council and Concurrent Authorities, March 21, 2023

Billie Brown
Christine Kerns
Regan Jennings
Benita Lee
2023 – 2024 Renewal Meeting
February 27, 2023
City of Stockton

ATTACHMENT A
Agenda
I. Executive Summary
II. Medical Plan Renewal
III. Ancillary Renewals
IV. Contributions
2 ATTACHMENT A
Executive Summary
Topic

ATTACHMENT A
2023 – 2024 Renewal Results
4 Coverage Carrier Result
Medical Kaiser  18 months:
 HMO: +11.9% (admin fees included)
 HDHP: +5% (admin fees included)
 POS: +12.1% (admin fees included)
 PPO: +12.1% (admin fees included)
Medical Sutter Health Plus  18 months:
 HMO: +7.2% (admin fees included)
 HDHP: +2.5% (admin fees included / includes plan changes) Dental PPO Delta Dental PRISM (Self Funded)  PRISM Delta Dental Fee renewal:
 ASO Fee: 0% (Rate Pass)
 BCC Admin Fee: Increase from $0.60 to $0.75
 Funding Rate Recommendation:
 18 months: +2.82% (admin fees included)
Dental HMO DeltaCare  18 months: +0.7% (admin fees included)

ATTACHMENT A
2023 – 2024 Renewal Results, cont.
5 Coverage Carrier Result
Vision VSP
(Self Funded)
 The direct VSP ASO Fee is in a rate guarantee through 6/30/2025  Funding Rate Recommendation:
 18 months: +4.30% (admin fees included)
Basic Life/AD&D
(Management B & C
only)
SunLife  The plan renews on 5/1/2023
 +5% increase to Basic Life; rate pass for Basic AD&D
 24 month guarantee through 4/30/2025
Life/AD&D Lincoln (PRISM)  The Life/AD&D plan is renewing with a rate pass (0%) and a 3 year rate guarant ee
(t
hrough 6/30/2026)
Long Term Disability Lincoln (PRISM)  The Long Term Disability plan is renewing with a rate pass (0%) and a 3 year rate g
uarantee (through 6/30/2026)
EAP Halcyon  Rate guarantee through 9/30/2025
FSA/HSA/HRA P&A  18 month Renewal:
 The City would need to do a short plan year 6 months) followed by a 12 mont h renew
al to transition to a calendar year plan (no change of fees over this time perio
d)
COBRA APA Benefits  Rate guarantee through 6/30/2024

ATTACHMENT A
2023 – 2024 Financial Overview
6 Line of Coverage Current 18-Month
Renewal % ∆
Sutter Health Plus HMO $6,823,761 $7,313,596 7.2%
$1,800 Ded
Sutter Health Plus HDHP $1,672,287 $1,714,717 2.5%
Kaiser HMO $8,765,079 $9,805,971 11.9%
Kaiser POS $36,330 $40,729 12.1%
Kaiser PPO $29,236 $32,774 12.1%
$1,800 Ded
Kaiser HDHP $3,228,362 $3,390,153 5.0%
Delta Dental DHMO $98,891 $99,578 0.7%
Delta Dental DPPO (PRISM) - Self-Funded $1,488,011 $1,530,001 2.8% VSP Vision - Self-Funded $234,500 $244,616 4.3%
Lincoln (PRISM) Basic Life and AD&D $91,296 $91,296 0.0% Lincoln (PRISM) Long Term Disability $292,974 $292,974 0.0% In Rate Guarantee In Rate Guarantee
Halcyon EAP $28,013 $28,013 0.0%
In Rate Guarantee In Rate Guarantee
APA COBRA $12,104 $12,104 0.0%
6-Month Renewal (thru 12/31/2023)
P&A FSA $7,018 $7,018 0.0%
6-Month Renewal (thru 12/31/2023)
P&A Commuter $546 $546 0.0%
6-Month Renewal (thru 12/31/2023)
P&A HSA $9,990 $9,990 0.0%
6-Month Renewal (thru 12/31/2023)
P&A HRA $14,580 $14,580 0.0%
SHP WELLNESS CREDIT $3,000
TOTAL ANNUAL PREMIUM $22,832,978 $24,625,655
ANNUAL DOLLAR CHANGE $1,792,678
ANNUAL PERCENTAGE CHANGE 7.9%

ATTACHMENT A
Medical Plan Renewal
Topic

ATTACHMENT A
Medical Financial Summary
8 Kaiser Current 18-Month Renewal % ∆
Kaiser HMO $8,765,079 $9,805,971 11.9%
Kaiser POS $36,330 $40,729 12.1%
Kaiser PPO $29,236 $32,774 12.1%
$1,800 Ded
Kaiser HDHP $3,228,362 $3,390,153 5.0%
KAISER ANNUAL PREMIUM $12,059,007 $13,269,627
Sutter Health Plus Current 18-Month Renewal % ∆
SHP HMO $6,823,761 $7,313,596 7.2%
$1,800 Ded
SHP HDHP $1,672,287 $1,714,717 2.5%
SHP WELLNESS CREDIT $3,000
SHP ANNUAL PREMIUM $8,496,048 $9,025,312
TOTAL MEDICAL ANNUAL PREMIUM $20,555,055
ANNUAL PERCENTAGE CHANGE 8.5%
$22,294,939

ATTACHMENT A
Plan Considerations
Transitioning from a 7/1 to 1/1 Renewal Cycle
 SHP and Kaiser provided plan options to acc ommodate a change to a future January 1 future renewal date:
 18-month blended renewal – t he plan would run from 7/1/2023 to 12/31/2024  The ACA employer shared responsibility requirements in dicate that there must be an offer of medical coverage (opportunity to enroll) at least once a year, therefore the City will need to offer a passive enrollment for a 1/1/2024 eff date
 No requirement for ancillary plans (dental and vision), however the City would need to inc
lude FSA and HSA in the 1/1/2024 open enrollment
9 ATTACHMENT A
Plan Considerations
18 month renewal – Deductible and OOMP Impacts
 Kaiser
o Plan deductibles and out of pocket maximum amounts are currently on a calendar year basis, which wou
ld not change with a move to a calendar year plan
 Sutter Health Plus
o The 18 month renewal is based on 18 months of rates, and accruals (deductible/oopm) cannot be greater than 12 months
o Plan deductibles and out of pocket maximum amounts are currently on a plan year basis o The City will change from plan year accumulation (July-June ) to calendar (January-December) on 7/1/2023
 SHP system will look at amounts accrued as of 1/1/2023 to 12/31/2023 and would reset 1/1
/2024 and accrue 1/1/2024 to 12/31/2024
10 ATTACHMENT A
Kaiser Permanente

ATTACHMENT A
Kaiser Executive Summary
12 Effective July 1, 2023, Kaiser proposes a renewal rate adjustment of:

Actives  18 months:
 HMO: +11.9% (admin fees included)
 HDHP: +5% (admin fees included)
 POS: +12.1% (admin fees included)
 PPO: +12.1% (admin fees included)
For Kaiser’s 2023-2024
Renewal
 Annual trend decreased from 5.63% to 4.78%
 P
ooling point increased from $325,000 to $340,000
R
ates are based on the
following Underwriting
factors:
 100% Credibility (City’s utilization)
Health Care Reform
Impacts:
 PCORI fee increased slightly from $0.23 PMPM to $0.25 PMPM Administrative Fees
Included:
 2023/2024 Plan Year Internal HR Admin Fees: $45.47 (EE Only), $81.77 (EE+1), and $109.01 (EE+Family)
 COBRA (self-pay) fees of $0.70 PEPM
Mandatory Plan
Changes
 18 month renewal: the HDHP plan would be required to have a higher deductible ($1,800) to ensure it meets the minimum IRS deductible for the full 2024 calendar year

ATTACHMENT A
Kaiser HMO
18 Month Renewal
13 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.

ATTACHMENT A
Kaiser HDHP
18 Month Renewal
14 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.

ATTACHMENT A
Kaiser POS
18 Month Renewal
15 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.

Enrollment as of November 2022
from Employee Navigator
*Current Rates include the
following:
• City's administrative fees of
$42.88 for Employee only,
$77.19 for Employee plus one,
and $102.91 for Employee plus
family.
• COBRA (self-pay) fees of
$0.70 PEPM
**Renewal Rates include the
following:
• City's administrative fees of
$45.42 for Employee only,
$81.77 for Employee plus one,
and $109.01 for Employee plus
family.
• COBRA (self-pay) fees of
$0.70 PEPM
Additional Footnotes:
1 Certain Durable Medical
Equipment is limited to a
maximum of $2,000 per
accumulation period combined
for services provided by
Participating Providers and Non-
Participating Providers. Certain
Durable Medical Equipment is not
subject to the Deductible nor
contributes to the Out-of-Pocket
Maximum.
2 Generic / Brand
Medical Plan Benefits Kaiser POS Kaiser POS
Current 18-Month Renewal Option
HMO Tier Participating
Provider Tier
Non-
Participating
Pr
ovider Tier
HMO Tier Participating
Provider Tier
Non-
Participating
Pr
ovider Tier
Plan Year Deductible
Individual / Family No ne $500 / $1,000 $1,000 / $2,000 None $500 / $1,000 $1,000 / $2,000 Embedded / Aggregate Embedded Embedded
Annual Out-of-Pocket Maximum
Individual / Family $1,500 / $3,000 $3,000 / $6,000 $6,000 / $12,000 $1,500 / $3,000 $3,000 / $6,000 $6,000 / $12,000 Embedded / Aggregate Embedded Embedded
Physician Office Visit $20 $35 (ded waived) 40% $20 $35 (ded waived) 40% Specialist Copay $20 $35 (ded waived) 40% $20 $35 (ded waived) 40% On-line Visit No charge $35 (ded waived) 40% No charge $35 (ded waived) 40% Preventative Care No charge No charge
(ded waived)
40%
(ded waived) No charge No charge
(ded waived)
40%
(ded waived)
Lab and X-Ray
CT, MRI, PET scans No Charge $35 (ded waived) 40% No Charge $35 (ded waived) 40% Other lab and x-ray tests No Charge $35 (ded waived) 40% No Charge $35 (ded waived) 40% Hospitalization
Inpatient $250 Copay $250 Copay + 20% $500 Copay + 40% $250 Copay $250 Copay + 20% $500 Copay + 40% Outpatient $100 Copay /
Procedure 20% per procedure 40% per
procedure
$100 Copay /
Procedure 20% per procedure 40% per
procedure
Emergency Room $150 Copay 1 $150 Copay 1
(waived if admitted) (waived if admitted)
Urgent Care Services $20 20% 40% $20 20% 40%
Durable Medical Equipment 1 30% 30% 50% 30% 30% 50%
Chiropractic Care $15 $15 No t Covered $15 $15 Not Covered (combined 30 chiro + acu visits / calendar year) (combined 30 chiro + acu visits / calendar year) Acupuncture Care $15 $15 Not Covered $15 $15 Not Covered (combined 30 chiro + acu visits / calendar year) (combined 30 chiro + acu visits / calendar year) PRESCRIPTION DRUGS Generic Preferred / Generic Non-Preferred / Brand Preferred / Brand Non-Preferred / Specialty
Generic Preferred / Generic Non-Preferred / Brand
Preferred / Brand Non-Preferred / Specialty
Rx Copay Out-of-Pocket Maximum Combined with Medical Co mbined with Medical Separate Brand Name Rx Deductible None None
Retail - 30 day supply $10 /$10 / $30 / $30
/ 20% to $250 max
$20 / $50 / $40 / $50
/ 30% to $250 max Not Covered $10 /$10 / $30 / $30
/ 20% to $250 max
$20 / $50 / $40 / $50
/ 30% to $250 max Not Covered
Mail Order - 100 day supply $20 / $60 1 Not Covered Not Covered $20 / $60 2 Not Covered Not Covered RATE GUARANTEE 1 Year
(7/1/2022 - 6/30/2023)
1 Y
ear and 6 Months
(7/1/2023 - 12/31/2024)
MONTHLY RATES EEs Current 18-Month Renewal Option
EE Only 2 $1,513.76 $1,697.04
EE + 1 0 $2,724.21 $3,054.12
EE + Family 0 $3,632.04 $4,071.91
2 MONTHLY PREMIUM $3,028 $3,394
ANNUAL PREMIUM $36,330 $40,729
ANNUAL DOLLAR CHANGE $4,399
ANNUAL PERCENT CHANGE 12.1%

ATTACHMENT A
Kaiser PPO
18 Month Renewal
16 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.

Certain Durable Medical
Equipment is not subject to
the Deductible nor
contributes to the Out-of-
Pocket Maximum
Medical Plan Benefits Kaiser PPO Kaiser PPO
Current / Renewal 18-Month Renewal Option
In-Network Out-of-Network In-Network Out-of-Network
Plan Year Deductible
Individual / Family $500 / $1,000 $1,500 / $3,000 $500 / $1,000 $1,500 / $3,000 Embedded / Aggregate Embedded Embedded
Annual Out-of-Pocket Maximum
Individual / Family $3,500 / $7,000 $7,000 / $14,000 $3,500 / $7,000 $7,000 / $14,000 Embedded / Aggregate Embedded Embedded Embedded Embedded Physician Office Visit $20 (ded waived) 40% $20 (ded waived) 40% Specialist Copay $20 (ded waived) 40% $20 (ded waived) 40% On-line Visit $20 (ded waived) 40% $20 (ded waived) 40% Preventative Care No Charge 40% (ded waived) No Charge 40% (ded waived) Lab and X-Ray
CT, MRI, PET scans 20% 40% 20% 40%
Other lab and x-ray tests 20% 40% 20% 40%
Hospitalization
Inpatient $250 Copay / Admit + 20% $500 Copay / Admit + 40% $250 Copay / Admit + 20% $500 Copay / Admit + 40% Outpatient $100 Copay + 20% $150 Copay + 40% $100 Copay + 20% $150 Copay + 40% Emergency Room $150 Copay / Visit + 20% $150 Copay / Visit + 20% (Copay waived if admitted) (Copay waived if admitted)
Urgent Care Services $35 (ded waived) 40% $35 (ded waived) 40% Durable Medical Equipment 1 30% 50% 30% 50%
Chiropractic Care $15 30% $15 30%
(30 visits / calendar year) (30 visits / calendar year) Acupuncture Care $15 30% $15 30%
(30 visits / calendar year) (30 visits / calendar year) PRESCRIPTION DRUGS Generic / Brand / Specialty Generic / Brand / Specialty Rx Copay Out-of-Pocket Maximum Combined with Medical Combined with Medical Separate Brand Name Rx Deductible None None
Retail - 30 day supply $15 / $40 / 30% to $250 max Not Covered $15 / $40 / 30% to $250 max Not Covered Mail Order - 100 day supply $30 / $80 / Not Covered Not Covered $30 / $80 / Not Covered Not Covered RATE GUARANTEE 1 Year
(7/1/2022 - 6/30/2023)
1 Year and 6 Months
(7/1/2023 - 12/31/2024)
MONTHLY RATES EEs Current 18-Month Renewal Option
EE Only 1 $2,436.35 $2,731.16
EE + 1 0 $4,384.88 $4,915.55
EE + Family 0 $5,846.27 $6,553.81
1 MONTHLY PREMIUM $2,436 $2,731
ANNUAL PREMIUM $29,236 $32,774
ANNUAL DOLLAR CHANGE $3,538
ANNUAL PERCENT CHANGE 12.1%

ATTACHMENT A
Kaiser - Periodic Utilization Review (PUR)
PMPM by Service Category
17 ATTACHMENT A
Experience Period Oct 19 - Sept 20 Exp Period
used in the July 21 Renewal
Aug 20 July 21 Exp Period
9 month PUR
Nov 20 - Oct 21 Exp Period
used in the July 22 Renewal
Aug 21 July 22 Exp Period
9 month PUR
Nov 21 - Oct 22 Exp Period
used in the July 23 Renewal
Average Members 2,363 2,234 2,230 2,194 2,181
Average Age 28.8 29 29.1 29.4 29.3
Inpatient $ PMPM
(Includes Medical, surgical,
maternity, etc.)
$66.09 $79.89 $69.08 $82.22 $133.31
Inpatient $/Day $8,144.05 $10,926.86 $9,679.41 $9,097.32 $13,217.24 Inpatient Average Length of Stay 3.5 Days 2.5 Days 2.5 Days 3.2 Days 4.1 Days Inpatient Days/ 1000 97.4 87.7 85.6 108.5 121.0
Inpatient Admits/ 1000 28 34.9 34.1 34.2 29.8
Outpatient $ PMPM
(Includes outpatient visits, ER,
surgical procedures, lab and
radiology)
$145.90 $161.24 $169.08 $182.12 $186.45
Pharmacy $ PMPM $28.55 $27.96 $30.61 $34.90 $36.60
Other $ PMPM $64.01 $74.01 $74.71 $79.72 $80.00
Total Claims PMPM $304.55 $343.11 $333.93 $378.95 $436.35 High Cost Claimants
1 individual with claims
over $162,500
representing 6.5% of
total claims; claimant at
$513,300.49
None over $170,000
1 individual with claims
over $162,500
representing 2.5% of
total claims; claimant at
$222,119.83
None over $170,000
1 individual with claims
over $170,000
representing 15% of total
claims; claimant at
$1,716,155
Kaiser - Periodic Utilization Review (PUR)
Comparison
18 ATTACHMENT A
Sutter Health Plus

ATTACHMENT A
Effective July 1, 2023, SHP proposes a renewal rate adjustment of:

Actives  18 months:
 HMO: +6.1% (admin fees included)
 HDHP: +2.5% (admin fees included / includes plan changes) Factors for
SHPs renewal
include:
 Annual trend was 6.8% (no change from 2022 renewal)
Administrative
Fees Included:
 2023/2024 Plan Year Internal HR Admin Fees: $45.47 (EE Only), $81.77 (EE+1), and $109.01 (EE+Family)  COBRA (self-pay) fees of $0.70 PEPM
Wellness
Credit
 SHP provided a $3,000 wellness credit for the 2022-2023 plan year, and they have confirmed this ca n be
c
arried over to the 2023-2024 plan year.
 It can be used towards the cost of programs, materials, healthy snacks, exercise equipment, incentive pro
grams for challenges
 To use the wellness program credit, submit the request for reimbursement and supporting documentation (e.g., receipts, invoices, etc.) to the SHP Account Manager Jill Kelley at [email protected]
Mandatory
changes
 18 month renewal:
 HDHP Changes:
 The HDHP plan would be required to have a higher deductible ($1,800) to ensure it meets the minimum IRS deductible for the full 2024 calendar year
SHP Executive Summary
20 ATTACHMENT A

SHP HMO
18 Month Renewal
21 Enrollment as of November
2022 from Employee
Navigator
*Current Rates include the
following:
• City's administrative fees
of $42.88 for Employee
only, $77.19 for Employee
plus one, and $102.91 for
Employee plus family.
• COBRA (self-pay) fees of
$0.70 PEPM
**Renewal Rates include the
following:
• City's administrative fees
of $45.42 for Employee
only, $81.77 for Employee
plus one, and $109.01 for
Employee plus family.
• COBRA (self-pay) fees of
$0.70 PEPM
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.

Medical Plan Benefits Sutter Health Plus HMO Sutter Health Plus HMO Current 18-Month Renewal Option
Calendar Year Deductible
Individual / Family None None
Annual Out-of-Pocket Maximum
Individual / Family $1,500 / $3,000 $1,500 / $3,000
Embedded / Aggregate Embedded Embedded
Physician Office Visit $20 / Visit $20 / Visit
Telehealth/Virtual Visits $20 / Visit $10 / Visit
Sutter Walk-In Care Visits $20 / Visit $10 / Visit
Specialist Copay $20 / Visit $20 / Visit
Preventative Care No Charge No Charge
Lab and X-Ray
CT, MRI, PET scans No Charge No Charge
Other lab and x-ray tests Lab: $20 /Visit; X-Ray: No Charge Lab: $20 /Visit; X-Ray: No Charge Hospitalization
Inpatient $250 / Admit $250 / Admit
Outpatient $100 / Visit $100 / Visit
Emergency Room $100 / Visit
(Copay waived if admitted)
$100 / Visit
(Copay waived if admitted)
Urgent Care Services $20 / Visit $20 / Visit
Durable Medical Equipment 20% 20%
Infertility 50% 50%
Chiropractic / Acupuncture Care $20 / Visit $20 / Visit Unlimited Visits Unlimited Visits
PRESCRIPTION DRUGS Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Rx Copay Out-of-Pocket Maximum Included with Medical Included with Medical Separate Brand Name Rx Deductible None None
Retail - 30 day supply $10 / $30 / $60 / 20% up to $250 max $10 / $30 / $60 / 20% up to $250 max Mail Order - up to 100 day supply $20 / $60 / $120 / Not Covered $20 / $60 / $120 / Not Covered RATE GUARANTEE 1 Year
(7/1/2022 - 6/30/2023)
1 Year and 6 Months
(7/1/2023 - 12/31/2024)
MONTHLY RATES EEs Current 18-Month Renewal Option
EE Only 137 $766.28 $821.32
EE + 1 84 $1,379.59 $1,478.77
EE + Family 189 $1,840.11 $1,972.11
410
MONTHLY PREMIUM $568,647 $609,466
ANNUAL PREMIUM $6,823,761 $7,313,596
ANNUAL DOLLAR CHANGE $489,835
ANNUAL PERCENT CHANGE 7.2%

ATTACHMENT A

SHP HDHP
18 Month Renewal
22 Enrollment as of November
2022 from Employee
Navigator
*Current Rates include the
following:
• City's administrative fees
of $42.88 for Employee
only, $77.19 for Employee
plus one, and $102.91 for
Employee plus family.
• COBRA (self-pay) fees of
$0.70 PEPM
**Renewal Rates include the
following:
• City's administrative fees
of $45.42 for Employee
only, $81.77 for Employee
plus one, and $109.01 for
Employee plus family.
• COBRA (self-pay) fees of
$0.70 PEPM
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.

Medical Plan Benefits Sutter Health Plus HDHP Sutter Health Plus HDHP Current 18-Month Renewal Option w/ $1,800 Ded
In-Network In-Network
Calendar Year Deductible
Individual / Family $1,400 / $2,800 $1,800 / $3,000
Embedded / Aggregate Embedded Embedded
Annual Out-of-Pocket Maximum
Individual / Family $2,800 / $2,800 $3,000 / $3,000
Embedded / Aggregate Embedded Embedded
Physician Office Visit No Charge No Charge
Specialist Copay No Charge No Charge
Preventative Care No Charge (ded waived) No Charge (ded waived) Lab and X-Ray
CT, MRI, PET scans No Charge No Charge
Other lab and x-ray tests No Charge No Charge
Hospitalization
Inpatient No Charge No Charge
Outpatient No Charge No Charge
Emergency Room No Charge No Charge
Urgent Care Services No Charge No Charge
Durable Medical Equipment No Charge No Charge
Chiropractic Care Not Covered Not Covered
Acupuncture Care Provided for treatment of nausea or chronic pain only
Provided for treatment of nausea or chronic pain
only
PRESCRIPTION DRUGS Generic / Brand / Non-Formulary / Specialty Generic / Brand / Non-Formulary / Specialty Rx Copay Out-of-Pocket Maximum Combined with Medical Co mbined with Medical Rx Deductible Medical Deductible Applies Medical Deductible Applies Retail - 30 day supply $10 / $20 / $35 / No Charge $10 / $20 / $35 / No Charge Mail Order - 100 day supply $20 / $40 / $70 / No Charge $20 / $40 / $70 / No Charge RATE GUARANTEE 1 Year
(7/1/2022 - 6/30/2023)
1 Year and 6 Months
(7/1/2023 - 12/31/2024)
MONTHLY RATES EEs Current 18-Month Renewal Option w/ $1,800 Ded EE Only 35 $678.78 $696.02
EE + 1 20 $1,221.29 $1,252.27
EE + Family 56 $1,628.11 $1,669.41
111
MONTHLY PREMIUM $139,357 $142,893
ANNUAL PREMIUM $1,672,287 $1,714,717
ANNUAL DOLLAR CHANGE $42,430
ANNUAL PERCENT CHANGE 2.5%

ATTACHMENT A
SHP Utilization Overview
High Claimants (Sept 2021 – Aug 2022)
23 ATTACHMENT A
SHP Utilization Overview
Claim Costs (Sept 2020 – Aug 2022)
24 ATTACHMENT A
Ancillary Renewals
Topic

ATTACHMENT A
Dental

ATTACHMENT A
Dental Renewal Overview
27 The Dental PPO plan is self-insured through PRISM
• Alliant recommends a dental reserve fund of approximately $118,000 to cover one month of claims • Effective 7/1/2023, Alliant’s underwriting analysis for the Dental renewal is as follows:
o 18 month renewal: +2.82%
o The underwriting analysis includes the following:
• Claims through December 2022
• 1.5% Trend
• 3% margin
• The most recent 12 months are weighted 80% for current 12 months and 20% for the prior 12 months o 2023-2024 Administrative Fees:
• Delta Dental ASO: 6.7% of Paid Claims
• BCC Eligibility Fees $0.75 PEPM (increase from $0.60 in 2022/2023) • Program Management Fees $2.00 PEPM
• Internal HR Admin Fees: $

4.58 PEPM
The DHMO plan is fully insured with Delta Dental (DeltaCare) • 18 month renewal: Rate Pass (0%); +0.7% with administrative fees

ATTACHMENT A

PPO UNDERWRITING FORECAST
Proposed Effective Date July 1, 2023
Proposed Contract Duration (Months) 18
Most Recent Month of Data December 2022 RENEWAL PROJECTION* Period Period 1 Period 2
Beginning Date (Historical Data) Dec 1, 2020 Dec 1, 2021 End Date (Historical Data) Dec 1, 2021 Dec 1, 2022
Months of Data 12 12
Current Premium / Funding Rate PEPM1 $110.64
Paid Claims2 $1,452,135 $1,408,515
Beginning IBNR Reserve ($119,223) ($121,011)
Ending IBNR Reserve $121,011 $117,376
Incurred Claims $1,453,923 $1,404,880
Historical Benefit Design Adjustment Factor 1.000 1.000 Adjusted Incurred Claims $1,453,923 $1,404,880
Annual Subscriber Lives 15,535 14,905
Adjusted Incurred Claims PEPM $93.59 $94.26
Annual Trend 1.5% 1.5%
Applied Trend Factor 1.043 1.028
Trended Claims PEPM $97.62 $96.86
Benefit Change Adjustment Factor 1.000 1.000
Projected Claims PEPM $97.62 $96.86
Period Blending Weight 20.0% 80.0%
Blended Projected Claims $97.02
Margin Adjustment3 3.00% $2.91
Fixed Costs
PRISM Delta Dental Admin Fee 6.70% $6.50
BCC Fee $0.75 $0.75
Program Management Fee $2.00
Additional Admin $4.58
Total Fixed Costs $13.83
Net Required Funding PEPM $113.76
Required Funding Change Percentage 2.82%
Dental Underwriting Analysis
18 Month Renewal
28 1 Current composite funding rate is based
on current period funding rates
2 Paid claims are for the time period
indicated at the top of each column
3 Margin is recommended in order to
provide a higher likelihood that suggested
funding rates are sufficient if actual
claims do not adhere to projections
* Projections are estimates and
do not represent guarantees

ATTACHMENT A
Dental PPO (PRISM)
18 Month Renewal
29This 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.

Enrollment as of November
2022 from Employee Navigator
*Current Rates include the
following:
• City’s composite internal
administration fee of $4.98
PEPM
• BCC eligibility fee of $0.6
0 PE
PM and Program
Management Fee of $2.00
PEPM
**Renewal Rates include the
following:
• City’s composite internal
administration fee of $4.58
PEPM
• BCC eligibility fee of $0.7
5 PE
PM and Program
Management Fee of $2.00
PEPM
Dental Plan Benefits Delta Dental DPPO (PRISM) Delta Dental DPPO (PRISM) Delta Dental DPPO (PRISM) ALL - Consolidated ALL - Consolidated ALL - Consolidated Self-Funded - Current Self-Funded - 12-Month Renewal Option Self-Funded - 18-Month Renewal Option Calendar Year Maximum PPO No n-PPO PPO Non-PPO PPO Non-PPO Per Member $1,500 $1,500 $1,500
(D & P does not count towards maximum) (D & P does not count towards maximum) (D & P does not count towards maximum) Calendar Year Deductible
Individual / Family None None None
Diagnostic and Preventive
Oral Exam
X-Rays
Teeth Cleaning
Fluoride Treatment
Basic Services
Sealants
Anesthesia
Periodontics (Gum disease)
Endodontics (Root Canal)
Simple & Surgical Extractions
Major Services
Single Crowns
Inlays, Onlays, Veneers
Dental Implants
Bridges & Dentures
Repair & Maintenance of Bridgework & Dentures
Orthodontics Adult & Child Adult & Child Adult & Child
Benefit Percentage 50% 50% 50%
Lifetime Maximum $2,000 $2,000 $2,000
Out-of-Network Reimbursement Contracted Fees Contracted Fees Contracted Fees

ADMINISTRATION RATE GUARANTEE
1 Year
(7/1/22 - 6/30/23)
1 Year
(7/1/2023 - 6/30/2024)
1 Y
ear and 6 Months
(7/1/2023 - 12/31/2024)
PRISM Delta Dental Admin Fee 6.7% of Paid Claims 6.7% of Paid Claims 6.7% of Paid Claims BC
C Eligibility and Prog Mgmt Fees $2.60 PEPM $2.75 PEPM $2.75 PEPM MONTHLY RATES EE'S Current 12-Month Renewal Option 18-Month Renewal Option Employee Only 350 $55.20 $56.56 $56.76
E
mployee + 1 206 $110.40 $113.12 $113.51
Employee + Family 571 $143.50 $147.03 $147.55
1127
TOTAL MONTHLY PREMIUM $124,001 $127,053 $127,500
TOTAL ANNUAL PREMIUM $1,488,011 $1,524,634 $1,530,001
ANNUAL DOLLAR CHANGE $36,623 $41,991
ANNUAL PERCENT CHANGE 2.5% 2.8%
50%
80%
80%
100% 100%
80%
80%
50%
100%
80%
80%
50%

ATTACHMENT A
Delta Dental PPO
Loss Ratio Report
30 Enrollment Premium Co sts Paid
Month Employees Funding Rate Claims Admin Total Cost L/R 10/20 1,319 $154,119 $148,896 $16,919 $165,815 107.6%
11/20 1,317 $154,003 $105,639 $16,898 $122,537 79.6%
12/20 1,316 $154,214 $117,887 $16,899 $134,786 87.4%
1/21 1,300 $152,172 $129,408 $16,687 $146,095 96.0%
2/21 1,301 $151,799 $112,381 $16,679 $129,060 85.0%
3/21 1,302 $151,844 $128,903 $16,689 $145,592 95.9%
4/21 1,304 $151,867 $137,726 $16,705 $154,431 101.7%
5/21 1,299 $151,706 $111,429 $16,659 $128,088 84.4%
6/21 1,294 $151,254 $122,458 $16,601 $139,059 91.9%
7/21 1,303 $153,973 $132,853 $17,237 $150,090 97.5%
8/21 1,296 $153,622 $99,151 $17,164 $116,315 75.7%
9/21 1,286 $152,779 $131,125 $17,046 $148,171 97.0%
10/21 1,294 $153,586 $113,139 $17,146 $130,285 84.8%
11/21 1,289 $153,247 $116,360 $17,091 $133,451 87.1%
12/21 1,278 $151,819 $117,202 $16,940 $134,142 88.4%
1/22 1,278 $151,327 $94,730 $16,919 $111,649 73.8%
2/22 1,263 $149,723 $112,659 $16,728 $129,387 86.4%
3/22 1,264 $149,442 $146,373 $16,724 $163,097 109.1%
4/22 1,263 $149,044 $112,810 $16,699 $129,509 86.9%
5/22 1,259 $148,799 $111,073 $16,656 $127,729 85.8%
6/22 1,262 $149,197 $137,237 $16,697 $153,935 103.2%
7/22 1,275 $142,027 $96,887 $22,489 $119,375 84.1%
8/22 1,217 $135,603 $112,462 $22,806 $135,268 99.8%
9/22 1,233 $137,126 $123,047 $23,704 $146,751 107.0%
10/22 1,210 $134,190 $92,017 $21,320 $113,337 84.5%
11/22 1,206 $133,516 $94,696 $21,439 $116,135 87.0%
12/22 1,204 $133,207 $114,364 $22,728 $137,092 102.9%
PY 2020-2021 15,690 $1,834,000 $1,434,659 $201,287 $1,635,946 89.2% PY 2021-2022 15,335 $1,816,557 $1,424,713 $203,047 $1,627,760 89.6% 2022-2023 YTD 3,725 $414,756 $332,395 $68,999 $401,394 96.8% Rolling 12 14,934 $1,770,940 $1,393,979 $220,599 $1,614,579 91.2% $0
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
Monthly Cost

0.0%

20.0%

40.0%

60.0%

80.0%
100.0%
120.0%
Monthly Loss Ratio

ATTACHMENT A
DeltaCare DHMO
18 Month Renewal
31This 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.

Enrollment as of November
2022 from Employee
Navigator
*Current Rates include the
City's administrative fees of
$2.28 for Employee only,
$4.40 for Employee plus one,
and $9.60 for Employee plus
family.
**Renewal Rates include the
City's administrative fees of
$2.42 for Employee only,
$4.66 for Employee plus one,
and $10.17 for Employee plus
family.

Dental Plan Benefits DeltaCare DHMO DeltaCare DHMO
Current 18-Month Renewal Option
Diagnostic and Preventive
Office Visit 101 $0 $0
Teeth Cleaning 1110 $0 $0
X-Rays 210 $0 $0
Sealants - per tooth 1351 $10 $10
Restorative
Amalgam Filling 1-3 Surfaces 2140 $0 $0
Composite Filling 2380 $0 $0
Periodontics
Scaling and Root Planning - per quad 4341 $25 $25
Gingivectomy (Per Quadrant) 4210 $130 $130
Osseus Surgery 4260 $280 $280
Endodontics (Root Canal Therapy)
Pulp Cap 3110 $0 $0
Therapeutic Pulpotomy 3220 $0 $0
Root Canal Therapy - (anterior) 3310 $55 $55
Prosthodontics
Immediate - Upper or Lower 5130-40 $165 $165
Complete - Upper or Lower 5110-20 $145 $145
Partial Denture - Upper or Lower 5213-14 $160 $160
Crown and Bridge
Inlay (one surface) 2510 $0 $0
Crown - Porcelain/Ceramic Substrate 2740 $240 $240
Crown - Porcelain Fused to High Noble Metal 2750-52 $140 - $240 $140 - $240 Crown - Full Cast High Noble Metal 2790-92 $150 - $210 $150 - $210 Oral Surgery
Extractions - Impacted tooth: soft tissue 7220 $50 $50
Extractions - Impacted tooth: partial bony 7230 $70 $70 Extractions - Impacted tooth: full bony 7240 $90 $90
Orthodontics - comprehensive
Child to age 19 $1,700 $1,700
Member over age 19 $1,900 $1,900
RATE GUARANTEE 2 Years
(7/1/21 - 6/30/23)
1 Year and 6 Months
(7/1/2023 - 12/31/2024)
MONTHLY RATES EE's Current 18-Month Renewal Option
Employee Only 88 $19.60 $19.74
Employee + 1 37 $37.80 $38.06
Employee + Family 62 $82.54 $83.11
187
TOTAL MONTHLY PREMIUM $8,241 $8,298
TOTAL ANNUAL PREMIUM $98,891 $99,578
ANNUAL DOLLAR CHANGE $687
ANNUAL PERCENT CHANGE 0.7%
ADA
code

ATTACHMENT A
Vision

ATTACHMENT A
Vision Renewal Overview
33  The VSP plan is currently self-insured directly through VSP  Alliant recommends a vision reserve fund of approximately $12,000 to cover 3 weeks of claims  Effective 7/1/2023, Alliant’s underwriting analysis for the Vision renewal is as follows:
o 18 month renewal: +4.30%
o The underwriting analysis includes the following:
• Claims through January 2023
• 1.0% Trend
• 3% margin
• The most recent 12 months are weighted 50% for current 12 months and 50% for the prior 12 months
• 2023-2024 Administrative Fees:
• VSP ASO: $1.25 PEPM
• Internal HR Admin Fees: $0.75 PEPM

ATTACHMENT A
VSP Vision Underwriting Analysis
18 Month Renewal
34 1 Current composite funding rate is based
on current period funding rates
2 Paid claims are for the time period
indicated at the top of each column
3 Margin is recommended in order to
provide a higher likelihood that suggested
funding rates are sufficient if actual
claims do not adhere to projections
* Projections are estimates and
do not represent guarantees

VISION UNDERWRITING FORECAST
Proposed Effective Date July 1, 2023
Proposed Contract Duration (Months) 18
Most Recent Month of Data January 2023 RENEWAL PROJECTION* Period Period 1 Period 2
Beginning Date (Historical Data) Feb 1, 2021 Feb 1, 2022 End Date (Historical Data) Feb 1, 2022 Feb 1, 2023
Months of Data 12 12
Current Premium / Funding Rate PEPM1 $14.91
Paid Claims2 $228,628 $215,296
Beginning IBNR Reserve ($13,059) ($13,190)
Ending IBNR Reserve $13,190 $12,421
Incurred Claims $228,758 $214,526
Historical Benefit Design Adjustment Factor 1.000 1.000 Adjusted Incurred Claims $228,758 $214,526
Annual Subscriber Lives 17,436 16,991
Adjusted Incurred Claims PEPM $13.12 $12.63
Annual Trend 1.0% 1.0%
Applied Trend Factor 1.027 1.017
Trended Claims PEPM $13.47 $12.84
Network Change Adjustment Factor 1.000 1.000
Projected Claims PEPM $13.47 $12.84
Period Blending Weight 50.0% 50.0%
Blended Projected Claims $13.15
Margin Adjustment3 3.00% $0.39
Fixed Costs
Admin Fee - Current $1.25
Additional Admin $0.75
Total Fixed Costs $2.00
Net Required Funding PEPM $15.55
Required Funding Change Percentage 4.30%

ATTACHMENT A
VSP Vision
18 Month Renewal
35This 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.

Enrollment as of
November 2022 from
Employee Navigator
*Current Rates
include the
composite internal
administration fee of
$0.72 PEPM
**Proposed Renewal
Rates include the
composite internal
administration fee of
$0.75 PEPM
Vision Plan Benefits VSP Choice Plan VSP Choice Plan
Self-Funded - Current Self-Funded - 18-Month Renewal Option In-Network Out-of-Network In-Network Out-of-Network
Copay
Plan pays
up to: Copay
Plan pays
up to:

Exam $10 $37 $10 $37
Len
ses
Single $20 $34 $20 $34
Bifocal $20 $51 $20 $51
Trifocal $20 $68 $20 $68
Contact Lenses $120 Allowance
(Copay Waived) $100 $120 Allowance
(Copay Waived) $100
Frames $120 Allowance
+ 20% Discount $40 $120 Allowance
+ 20% Discount $40
Frequency of Services
Eye Examination 12 months 12 months
Len
ses 12 months 12 months
Frames 12 months 12 months
Contact Lenses* 12 months 12 months
* In lieu of frames
Administration Rate Guarantee 5 Years
(7/1/2020-6/30/2025)
5 Years
(7/1/2020-6/30/2025)
Admin Fee $1.25 PEPM $1.25 PEPM
MONTHLY RATES EE'S Current (through 6/30/2023) 18-Month Renewal Option (through 12/31/2024) Employee Only 438 $7.60 $7.93
Employee + 1 Dependent 243 $15.22 $15.88
Employee + Family 633 $19.77 $20.62
1314
TOTAL MONTHLY PREMIUM $19,542 $20,385
TOTAL ANNUAL PREMIUM $234,500 $244,616
ANNUAL $ DIFFERENCE $10,116
ANNUAL % DIFFERENCE 4.3%

ATTACHMENT A
VSP Vision
Loss Ratio Report
36 Enrollment Premium Costs Paid
Month Employees Funding Rate Claims Admin Total Cost L/R 11/20 1,471 $21,061 $19,984 $2,892 $22,876 108.6%
12/20 1,473 $21,126 $14,681 $2,898 $17,579 83.2%
1/21 1,457 $20,883 $17,678 $2,865 $20,543 98.4%
2/21 1,458 $20,848 $17,910 $2,865 $20,775 99.7%
3/21 1,455 $20,786 $23,269 $2,858 $26,127 125.7%
4/21 1,465 $20,848 $19,173 $2,874 $22,047 105.8%
5/21 1,464 $20,881 $15,262 $2,874 $18,136 86.9%
6/21 1,467 $20,905 $18,470 $2,879 $21,349 102.1%
7/21 1,481 $23,205 $15,880 $2,910 $18,790 81.0%
8/21 1,446 $22,806 $18,434 $2,848 $21,282 93.3%
9/21 1,432 $22,645 $20,600 $2,823 $23,423 103.4%
10/21 1,444 $22,786 $20,854 $2,845 $23,699 104.0%
11/21 1,446 $22,821 $20,672 $2,849 $23,521 103.1%
12/21 1,445 $22,791 $18,023 $2,846 $20,869 91.6%
1/22 1,432 $22,514 $20,081 $2,817 $22,898 101.7%
2/22 1,428 $22,445 $16,564 $2,809 $19,373 86.3%
3/22 1,436 $22,450 $17,686 $2,819 $20,506 91.3%
4/22 1,435 $22,376 $20,884 $2,815 $23,699 105.9%
5/22 1,430 $22,330 $19,101 $2,806 $21,907 98.1%
6/22 1,423 $22,194 $16,692 $2,791 $19,483 87.8%
7/22 1,429 $21,529 $12,798 $2,808 $15,607 72.5%
8/22 1,402 $21,132 $22,262 $2,756 $25,018 118.4%
9/22 1,408 $21,160 $18,596 $2,765 $21,360 100.9%
10/22 1,395 $20,953 $20,841 $2,738 $23,580 112.5%
11/22 1,406 $21,003 $17,806 $2,755 $20,561 97.9%
12/22 1,410 $21,014 $17,952 $2,760 $20,712 98.6%
1/23 1,368 $20,447 $14,113 $2,681 $16,794 82.1%
PY 2020-2021 17,576 $251,423 $228,210 $34,542 $262,752 104.5% PY 2021-2022 17,278 $271,363 $225,471 $33,978 $259,449 95.6% 2022-2023 YTD 9,818 $147,238 $124,369 $19,262 $143,631 97.6% Rolling 12 9,818 $147,238 $124,369 $19,262 $143,631 97.6% $0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
Monthly Cost

0.0%

20.0%

40.0%

60.0%

80.0%
100.0%
120.0%
140.0%
Monthly Loss Ratio

ATTACHMENT A
FSA, Commuter HRA and HSA Renewal

ATTACHMENT A
FSA, HRA and HSA Plan Considerations
18 month renewal
 FSA and Commuter Considerations
o When changing ongoing eff. dates from a fiscal year plan to a calendar year plan, the FSA would initially have a sho
rt plan year from 7/1/2023 to 12/31/2023, and then a full 12 month plan year beginning 1/1/2024  Note: The IRS does not allow an 18 month renewal
o The short plan year would have prorated maximum elections  Note: The DCAP is not required to be prorated for the short plan year, however it is recommended that the City prorate as empl
oyees cannot exceed the $5,000 calendar year maximum (otherwise this could be difficult to monitor) o The City would be required to allow for another open enrollment for the 1/1/2024 plan year o Although P&A would not change the fee on 1/1/2024, there would be a $250 fee to amend the pla n doc
uments
 HRA Considerations
o The PCORI fee applies for short plan years
o Therefore, the City would need to do a short plan year PCORI fee filing prorating the fee for the short plan year o As with a standard plan year, the PCORI filing due date is July 31 of the year following the last day of the short pl
an year
 HSA Considerations
o The maximum HSA contribution must be in proportion to the number of months the member was covered by the
HDHP (for example, if the member is only enrolled for 6 months, they would prorate contributions by 6 months; if enrolled for the full year, they could make a full year of contributions) 38 ATTACHMENT A

P&A FSA
39 FSA P&A FSA P&A FSA P&A FSA
Plan Benefits Current 12-Month Renewal Option 6-Month Renewal Option General Information
Debit Card Included Included Included
Direct Deposit Included Included Included
Online Account Access Included Included Included
Plan Document Creation and Modification
Plan Document and Summary Plan
Description (SPD) Included Included Included
Current Participant Count
Unique FSA Participants
(HCFSA Only, DCFSA Only or HCFSA and DCFSA) 172 172 172

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
1 Year
(7/1/2023 - 6/30/2024)
6 Months
(7/1/2023 - 12/31/2023)
FEES Current 12-Month Renewal Option 6-Month Renewal Option 1 Annual Fee N/A N/A N/A
Amendment Fee N/A $250 $250
Monthly Administration Fee (PPPM)1 $3.40 $3.40 $3.40
FIRST YEAR FEE $7,018 $7,268 $7,268
ANNUAL FEES $7,018 $7,018 $7,018
ANNUAL $ DIFFERENCE $0 $0
ANNUAL % DIFFERENCE 0.0% 0.0%
Enrollment as of November 2022 from P&A
1 An 18 month renewal is not allowable by the IRS. In order to change to a 1/1 renewal, the City would need to run a short plan year from 7/1-12/31. They would then renew again on 1/1 and continue with a 1/1 plan renewal moving forward. This would require a plan amendment (+$250 amendment fee). Please note the 7/1-12/31/23 plan year would have prorated maximum elections and all eligible employees must be given the opportunity to sign up for both 7/1 and again for 1/1 (2 open enrollment periods).

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.
1Employees participating in both the Health Care FSA (HCFSA) anf Dependent Care FSA (DCFSA) will be counted as one participant

ATTACHMENT A
P&A Commuter Benefits
40 Commuter Plan P&A Commuter P&A Commuter P& A Commuter Plan Benefits Current 12-Month Renewal Option 6-Month Renewal Option General Information
Debit Card Included Included Included
Current Participant Count
Commuter Participants 14 14 14

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
1 Year
(7/
1/2023 - 6/30/2024)
6 Months
(7/1/2023 - 12/31/2023)
FEES Current 12-Month Renewal Option 6-Month Renewal Option 1 Annual Fee N/A N/A N/A
Monthly Administration Fee (PPPM) $3.25 $3.25 $3.25
FIRST YEAR FEES $546 $546 $546
ANNUAL FEES $546 $546 $546
ANNUAL $ DIFFERENCE $0 $0
ANNUAL % DIFFERENCE 0.0% 0.0%
Enrollment as of November 2022 from P&A
1 An 18 month renewal is not allowable by the IRS. In order to change to a 1/1 renewal, the City would need to run a short plan year from 7/1-12/31. They would then renew again on 1/1 and continue with a 1/1 plan renewal moving forward. Please note the 7/1-12/31/23 plan year would have prorated maximum elections and all eligible employees must be given the opportunity to sign up for both 7/1 and ag
ain for 1/1 (2 open enrollment periods).

ATTACHMENT A

P&A HSA
41 HSA P&A HSA P& A HSA P&A HSA
Plan Benefits Current 12-Month Renewal Option 6-Month Renewal Option Core Services
Debit Cards Included Included Included
Current Participant Count
Participants 333 333 333

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
1 Year
(7/1/2023 - 6/30/2024)
6 Months
(7/1/2023 - 12/31/2023)
FEES Current 12-Month Renewal Option 6-Month Renewal Option 1 Annual Fee N/A N/A N/A
Monthly Administration Fee (PPPM) $2.50 $2.50 $2.50
FIRST YEAR FEES $9,990 $9,990 $9,990
ANNUAL FEES $9,990 $9,990 $9,990
ANNUAL $ DIFFERENCE $0 $0
ANNUAL % DIFFERENCE 0.0% 0.0%
Enrollment as of November 2022 from P&A
1 An 18 month renewal is not allowable by the IRS. In order to change to a 1/1 renewal, the City would need to run a short plan year from 7/1-12/31. They would then renew again on 1/1 and continue with a 1/1 plan renewal moving forward. Please note the 7/1-12/31/23 plan year would have prorated maximum elections and all eligible employees must be given the opportunity to sign up for both 7/1 and again for 1/1 (2 open enrollment periods).

ATTACHMENT A

P&A HRA
42 HRA P&A HRA P&A HRA P& A HRA
Plan Benefits Current 12-Month Renewal Option 6-Month Renewal Option Core Services
Debit Cards Included Included Included
Current Participant Count
Participants 270 270 270

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
1 Year
(7/
1/2023 - 6/30/2024)
6 Months
(7/1/2023 - 12/31/2023)
FEES Current 12-Month Renewal Option 6-Month Renewal Option 1 Annual Fee N/A N/A N/A
A
mendment Fee N/A $250 $250
Monthly Administration Fee (PPPM) $4.50 $4.50 $4.50
FIRST YEAR FEES $14,580 $14,830 $14,830
ANNUAL FEES $14,580 $14,580 $14,580
ANNUAL $ DIFFERENCE $0 $0
ANNUAL % DIFFERENCE 0.0% 0.0%
Enrollment as of November 2022 from P&A
1 An 18 month renewal is not allowable by the IRS. In order to change to a 1/1 renewal, the City would need to run a short plan year from 7/1-12/31. They would then renew again on 1/1 and continue with a 1/1 plan renewal moving forward. This would require a plan amendment (+$250 amendment fee). Please note the 7/1-12/31/23 plan year would have prorated maximum elections and all eligible em
ployees must be given the opportunity to sign up for both 7/1 and again for 1/1 (2 open enrollment periods).

ATTACHMENT A
All Other Renewals

ATTACHMENT A
SunLife Basic Life / AD&D
Management B & C Employees Group – 5/1/2023 Renewal
44 Basic Life:
+5%
increase
Basic AD&D:

Rate Pass
24 month
rate
guarantee

ATTACHMENT A
Lincoln (PRISM) Basic Life / AD&D
45 Basic Life and AD&D Lincoln (PRISM)
Plan Benefits Current / Renewal
Class 1
All Full-Time members classified as Mayor, City Manager, Unrepresented Department Heads, City Attorney
Executives, Represented Mid-Management Members,
Un
represented Mid-Management Members, City Attorney
Professionals, Police Management and Operations and
Maintenance Unit Members, Represented Supervisors,
Unrepresented Supervisors, Unrepresented Confidential
Members, City Attorney Support Personnel, Water
Supervisory Unit Members working 40 hours per week
Class 2
All Full-Time members classified as Fire Management,
Sworn Fire Members, Sworn Police Members,
Administrative and Clerical Unit Members, Professional
and
Technical Unit Members and Trades and
Maintenance Unit Members working 40 hours per week
Life Benefits: Class 1
Life Benefits: Class 2 $50,000
AD&D Benefits: Class 1 Equal to Life Benefit
AD&D Benefits: Class 2 No t Covered
Guaranteed Issue Amount
Age Reduction
70 35%
75 50%
Ret
irement 100%
Accelerated Death Benefit Included
Waiver of Premium Included
Seat Belt Provision (AD&D)
Air
Bag Provision (AD&D)
Portability Included

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
3 Years
(7/
1/2023 - 6/30/2026)
MONTHLY RATES Current Renewal
Class 1 Volume $20,150,000
Class 2 Volume $51,900,000
Basic Life Rate per $1,000 $0.100 $0.100
Basic AD&D Rate per $1,000 $0.020 $0.020
Combined Rate $0.120 $0.120
MONTHLY PREMIUM $7,608 $7,608
ANNUAL PREMIUM $91,296 $91,296
ANNUAL $ DIFFERENCE $0
ANNUAL % DIFFERENCE 0.0%
Volume as of November 2022 from Employee Navigator
Included
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.

Benefit Reduction Formula
$50,000
$50,000
Included

ATTACHMENT A
Lincoln (PRISM) Voluntary Life
46 Voluntary Life Lincoln (PRISM)
Plan Benefits Current / Renewal
Eligibility
Employee Life Benefit
Maximum Lesser of 5 times BAE or $500,000
Minimum $10,000
Increments of: $10,000
Guaranteed Issue Amount $300,000
Spouse Life Benefit
Maximum Lesser of 50% of EE amount or $100,000
Minimum $5,000
Increments of: $5,000
Guaranteed Issue Amount $30,000
Spouse Rate Basis Based on spouse's age as of their last birthday Dependent Child(ren) Life Benefit
Maximum
Under 15 days old: $500
6 m
onths and older: $10,000
Minimum $1,000
Increments of: $1,000
Guaranteed Issue Amount $10,000
Waiver of Premium Included
AD&D Benefit Equal to Life Benefit
Portability Included

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
3 Years
(7/1/2023 - 6/30/2026)
MONTHLY RATES Current Renewal
Monthly Rates per $1,000 Employee
Rates
Spouse
Rates
Employee
Rates
Spouse
Rates
Under age 30 $0.060 $0.080 $0.060 $0.080
Age 30-39 $0.090 $0.120 $0.090 $0.120
Age 40-49 $0.150 $0.250 $0.150 $0.250
Age 50-59 $0.430 $0.740 $0.430 $0.740
Age 60-69 $1.270 $2.350 $1.270 $2.350
Age 70+ $2.060 $4.350 $2.060 $4.350
Dependent Child(ren) Rates per $1,000 $0.232 $0.232
E
mployee AD&D $0.028 $0.028
Spouse AD&D $0.021 $0.021
Child AD&D $0.055 $0.055
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.

All full-time employees working 40 hours per week

ATTACHMENT A
Lincoln (PRISM) Long Term Disability
47 Long Term Disability Lincoln (PRISM) LTD
Plan Benefits Current / Renewal
Eligibility:

Class 1:

Assistant City Manager, Chief Financial Officer, Chief of Police, City Attorney, City Manager, Deputy Chief of
Police II, Deputy City Manager II, Director of Municpal Utilities and Director of Public Works working 40 hours per week
Class 2: All Other Full-Time Employees working 40 hours per week Elimination Period 90 Days
Monthly Benefit Percentage 66.67%
Maximum Monthly Benefit
Class 1:

Class 2:
$14,000
$10,
000
Own Occupation Definition 24 Months
Disability Earnings Test Basic Annual Income including commissions, excluding overtime and bonuses
Definition of Disability Own Occupation
Mental Health/Substance Abuse
Limit 24 Months
Maximum Benefit Duration Later of age 65 or SSNRA
Pre-Existing Condition 3/12

RATE GUARANTEE
1 Year
(7/1/2022 - 6/30/2023)
3 Years
(7/1/2023 - 6/30/2026)
MONTHLY RATES Current Renewal
Covered Payroll Volume $5,812,983
Rate per $100 of Covered Payroll $0.420 $0.420
MONTHLY PREMIUM $24,415 $24,415
ANNUAL PREMIUM $292,974 $292,974
ANNUAL $ DIFFERENCE $0
ANNUAL % DIFFERENCE 0.0%
Volume as of November 2022 from Employee Navigator
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.

ATTACHMENT A
Halcyon EAP
48 EAP Halcyon EAP
Pl
an Benefits Current
Sessions
All Other 3 Sessions every 6 months1
First Responder N/A
Digital Capabilities
Digital Platforms Web Portal, eConnect mobile app, and
textcoach text therapy
Telephonic Included
Video Included
Text Included
Employee Services
Legal Included
Financial Included
Dep
endent Care Included
Employer Services
Management Consultations Unlimited
CISD Seminar(s) Unlimited
Onsite Orientations 10 Hours
Add-On
Coaching N/A

RATE GUARANTEE
5 Years
(10/1/2020 - 9/30/2025)
MONTHLY RATES EE's Current
Per Employee Per Month 1441 $1.62
MONTHLY PREMIUM $2,334
ANNUAL PREMIUM $28,013
Employee Count as of November 2022 from Employee Navigator 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 do
cuments will govern.

ATTACHMENT A

APA COBRA
49 COBRA APA COBRA
Plan Benefits Current
Core Services
Eligibility updates to Carrier or TPA Included
Optional Services
Open Enrollment Packets Included
Current Participant Count
COBRA eligible employees 1441

RATE GUARANTEE
5 Years
(7/1/2020 - 6/30/25)
FEES Current
Annual Fee N/A
Monthly Administration Fee (PEPM) $0.70
FIRST YEAR FEES $12,104
ANNUAL FEES $12,104
ANNUAL $ DIFFERENCE $0
ANNUAL % DIFFERENCE 0.0%
Employee Count as of November 2022 from Employee Navigator 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 di
screpancies, the official plan documents will govern.

ATTACHMENT A
Contributions

ATTACHMENT A
Contributions (Fire Mgt, Fire, SPMA, and SPOA) – 18 months 51 Employee Contributions Current Current 18 -Month Renewal Option Proposed Monthly Contributions Per Paycheck Monthly Contributions Pe r Paycheck Total ER Cost EE Cost EE Co st Total ER Cost EE Cost EE Cost Sutter Health HMO, DHMO, and Vision Lives
EE Only 16 $793.48 $697.00 $96.48 $48.24 $848.99 $711.00 $137.99 $68.99 EE + 1 4 $1,432.61 $1,265.00 $167.61 $83.81 $1,532.71 $1,290.00 $242.71 $121.36 EE + Family 6 $1,942.42 $1,685.00 $257.42 $128.71 $2,075.84 $1,719.00 $356.84 $178.42 Annual Premium 26 $360,968 $315,864 $45,104 $22,552 $386,037 $322,200 $63,837 $31,918 Sutter Health HMO, DPPO, and Vision Lives
EE Only 39 $829.08 $697.00 $132.08 $66.04 $886.01 $711.00 $175.01 $87.50 EE + 1 17 $1,505.21 $1,265.00 $240.21 $120.11 $1,608.16 $1,290.00 $318.16 $159.08 EE + Family 84 $2,003.38 $1,685.00 $318.38 $159.19 $2,140.28 $1,719.00 $421.28 $210.64 Annual Premium 140 $2,714,479 $2,282,736 $431,743 $215,872 $2,900,120 $2,328,660 $571,460 $285,730 Sutter Health HDHP, DHMO, and Vision Lives $1,800 Deductible EE Only 3 $705.98 $697.00 $8.98 $4.49 $723.69 $711.00 $12.69 $6.34 EE + 1 1 $1,274.31 $1,265.00 $9.31 $4.66 $1,306.21 $1,290.00 $16.21 $8.11 EE + Family 2 $1,730.42 $1,685.00 $45.42 $22.71 $1,773.14 $1,719.00 $54.14 $27.07 Annual Premium 6 $82,237 $80,712 $1,525 $763 $84,283 $82,332 $1,951 $975 Sutter Health HDHP, DPPO, and Vision Lives $1,800 Deductible EE Only 8 $741.58 $697.00 $44.58 $22.29 $760.71 $711.00 $49.71 $24.86 EE + 1 4 $1,346.91 $1,265.00 $81.91 $40.96 $1,381.66 $1,290.00 $91.66 $45.83 EE + Family 23 $1,791.38 $1,685.00 $106.38 $53.19 $1,837.58 $1,719.00 $118.58 $59.29 Annual Premium 35 $630,264 $592,692 $37,572 $18,786 $646,520 $604,620 $41,900 $20,950

ATTACHMENT A
Contributions (Fire Mgt, Fire, SPMA, and SPOA) – 18 months 52 Employee Contributions Current Current 18-Month Renewal Option Pr oposed Monthly Contributions Per Paycheck Monthly Contributions Per Paycheck Total ER Cost EE Cost EE Cost Tota l ER Cost EE Cost EE Cost Kaiser HMO, DHMO, and Vision Lives
EE Only 17 $743.47 $697.00 $46.47 $23.24 $828.96 $711.00 $117.96 $58.98 EE + 1 4 $1,341.75 $1,265.00 $76.75 $38.38 $1,495.71 $1,290.00 $205.71 $102.86 EE + Family 12 $1,820.37 $1,685.00 $135.37 $67.69 $2,025.85 $1,719.00 $306.85 $153.43 Annual Premium 33 $478,205 $445,548 $32,657 $16,329 $532,624 $454,500 $78,124 $39,062 Kaiser HMO, DPPO and Vision Lives
EE Only 61 $779.07 $697.00 $82.07 $41.04 $865.98 $711.00 $154.98 $77.49 EE + 1 18 $1,414.35 $1,265.00 $149.35 $74.68 $1,571.16 $1,290.00 $281.16 $140.58 EE + Family 102 $1,881.33 $1,685.00 $196.33 $98.17 $2,090.29 $1,719.00 $371.29 $185.65 Annual Premium 181 $3,178,527 $2,845,884 $332,643 $166,321 $3,531,783 $2,903,148 $628,635 $314,317 Kaiser HDHP, DHMO, and Vision Lives $1,800 Deductible
EE Only 4 $660.25 $660.25 $0.00 $0.00 $692.43 $692.43 $0.00 $0.00 EE + 1 3 $1,191.96 $1,191.96 $0.00 $0.00 $1,249.96 $1,249.96 $0.00 $0.00 EE + Family 3 $1,620.66 $1,620.66 $0.00 $0.00 $1,698.18 $1,698.18 $0.00 $0.00 Annual Premium 10 $132,946 $132,946 $0 $0 $139,370 $139,370 $0 $0 Kaiser HDHP, DPPO, and Vision Lives $1,800 Deductible
EE Only 19 $695.85 $695.85 $0.00 $0.00 $729.45 $711.00 $18.45 $9.22 EE + 1 4 $1,264.56 $1,264.56 $0.00 $0.00 $1,325.41 $1,290.00 $35.41 $17.71 EE + Family 61 $1,681.62 $1,681.62 $0.00 $0.00 $1,762.62 $1,719.00 $43.62 $21.81 Annual Premium 84 $1,450,299 $1,450,299 $0 $0 $1,520,172 $1,482,336 $37,836 $18,918 Kaiser POS, DHMO, and Vision Lives
EE Only 0 $1,540.96 $697.00 $843.96 $421.98 $1,724.71 $711.00 $1,013.71 $506.86 EE + 1 0 $2,777.23 $1,265.00 $1,512.23 $756.12 $3,108.06 $1,290.00 $1,818.06 $909.03 EE + Family 0 $3,734.35 $1,685.00 $2,049.35 $1,024.68 $4,175.64 $1,719.00 $2,456.64 $1,228.32 Annual Premium 0 $0 $0 $0 $0 $0 $0 $0 $0
Kaiser POS, DPPO, and Vision Lives
EE Only 1 $1,576.56 $697.00 $879.56 $439.78 $1,761.73 $711.00 $1,050.73 $525.37 EE + 1 0 $2,849.83 $1,265.00 $1,584.83 $792.42 $3,183.51 $1,290.00 $1,893.51 $946.76 EE + Family 0 $3,795.31 $1,685.00 $2,110.31 $1,055.16 $4,240.08 $1,719.00 $2,521.08 $1,260.54 Annual Premium 1 $18,919 $8,364 $10,555 $5,277 $21,141 $8,532 $12,609 $6,304 TOTAL 516 $9,046,844 $8,155,045 $891,799 $445,899 $9,762,049 $8,325,698 $1,436,351 $718,175 Change from current - $ $715,205 $170,653 $544,552
Change from current - % 7.9% 2.1% 61.1%

ATTACHMENT A
Contributions (SCEA/UNREP, B&C, O&M, T&M, and WS) – 18 months 53 Employee Contributions Current Current 18 -Month Renewal Option Proposed Monthly Contributions Per Paycheck Monthly Contributions Pe r Paycheck Total ER Cost EE Cost EE Co st Total ER Cost EE Cost EE Cost Sutter Health HMO, DHMO, and Vision Lives
EE Only 11 $793.48 $697.00 $96.48 $48.24 $848.99 $697.00 $151.99 $75.99 EE + 1 7 $1,432.61 $1,265.00 $167.61 $83.81 $1,532.71 $1,265.00 $267.71 $133.86 EE + Family 16 $1,942.42 $1,685.00 $257.42 $128.71 $2,075.84 $1,685.00 $390.84 $195.42 Annual Premium 34 $598,023 $521,784 $76,239 $38,120 $639,376 $521,784 $117,592 $58,796 Sutter Health HMO, DPPO, and Vision Lives
EE Only 71 $829.08 $697.00 $132.08 $66.04 $886.01 $697.00 $189.01 $94.50 EE + 1 56 $1,505.21 $1,265.00 $240.21 $120.11 $1,608.16 $1,265.00 $343.16 $171.58 EE + Family 83 $2,003.38 $1,685.00 $318.38 $159.19 $2,140.28 $1,685.00 $455.28 $227.64 Annual Premium 210 $3,713,244 $3,122,184 $591,060 $295,530 $3,967,283 $3,122,184 $845,099 $422,549 Sutter Health HDHP, DHMO, and Vision Lives $1,800 Deductible EE Only 7 $705.98 $697.00 $8.98 $4.49 $723.69 $697.00 $26.69 $13.35 EE + 1 2 $1,274.31 $1,265.00 $9.31 $4.66 $1,306.21 $1,265.00 $41.21 $20.61 EE + Family 4 $1,730.42 $1,685.00 $45.42 $22.71 $1,773.14 $1,685.00 $88.14 $44.07 Annual Premium 13 $172,946 $169,788 $3,158 $1,579 $177,250 $169,788 $7,462 $3,731 Sutter Health HDHP, DPPO, and Vision Lives $1,800 Deductible EE Only 17 $741.58 $697.00 $44.58 $22.29 $760.71 $697.00 $63.71 $31.86 EE + 1 13 $1,346.91 $1,265.00 $81.91 $40.96 $1,381.66 $1,265.00 $116.66 $58.33 EE + Family 27 $1,791.38 $1,685.00 $106.38 $53.19 $1,837.58 $1,685.00 $152.58 $76.29 Annual Premium 57 $941,807 $885,468 $56,339 $28,170 $966,100 $885,468 $80,632 $40,316

ATTACHMENT A
Contributions (SCEA/UNREP, B&C, O&M, T&M, and WS) – 18 months 54 Employee Contributions Current Current 18 -Month Renewal Option Proposed Monthly Contributions Per Paycheck Monthly Contributions Pe r Paycheck Total ER Cost EE Cost EE Co st Total ER Cost EE Cost EE Cost Kaiser HMO, DHMO, and Vision Lives
EE Only 23 $743.47 $697.00 $46.47 $23.24 $828.96 $697.00 $131.96 $65.98 EE + 1 13 $1,341.75 $1,265.00 $76.75 $38.38 $1,495.71 $1,265.00 $230.71 $115.36 EE + Family 17 $1,820.37 $1,685.00 $135.37 $67.69 $2,025.85 $1,685.00 $340.85 $170.43 Annual Premium 53 $785,866 $733,452 $52,414 $26,207 $875,397 $733,452 $141,945 $70,973 Kaiser HMO, DPPO and Vision Lives
EE Only 105 $779.07 $697.00 $82.07 $41.04 $865.98 $697.00 $168.98 $84.49 EE + 1 72 $1,414.35 $1,265.00 $149.35 $74.68 $1,571.16 $1,265.00 $306.16 $153.08 EE + Family 128 $1,881.33 $1,685.00 $196.33 $98.17 $2,090.29 $1,685.00 $405.29 $202.65 Annual Premium 305 $5,093,349 $4,559,340 $534,009 $267,005 $5,659,302 $4,559,340 $1,099,962 $549,981 Kaiser HDHP, DHMO, and Vision Lives $1,800 Deductible
EE Only 7 $660.25 $660.25 $0.00 $0.00 $692.43 $692.43 $0.00 $0.00 EE + 1 3 $1,191.96 $1,191.96 $0.00 $0.00 $1,249.96 $1,249.96 $0.00 $0.00 EE + Family 2 $1,620.66 $1,620.66 $0.00 $0.00 $1,698.18 $1,685.00 $13.18 $6.59 Annual Premium 12 $137,267 $137,267 $0 $0 $143,919 $143,603 $316 $158 Kaiser HDHP, DPPO, and Vision Lives $1,800 Deductible
EE Only 28 $695.85 $695.85 $0.00 $0.00 $729.45 $697.00 $32.45 $16.23 EE + 1 22 $1,264.56 $1,264.56 $0.00 $0.00 $1,325.41 $1,265.00 $60.41 $30.21 EE + Family 63 $1,681.62 $1,681.62 $0.00 $0.00 $1,762.62 $1,685.00 $77.62 $38.81 Annual Premium 113 $1,838,954 $1,838,954 $0 $0 $1,927,544 $1,842,012 $85,532 $42,766 Kaiser POS, DHMO, and Vision Lives
EE Only 0 $1,540.96 $697.00 $843.96 $421.98 $1,724.71 $697.00 $1,027.71 $513.86 EE + 1 0 $2,777.23 $1,265.00 $1,512.23 $756.12 $3,108.06 $1,265.00 $1,843.06 $921.53 EE + Family 0 $3,734.35 $1,685.00 $2,049.35 $1,024.68 $4,175.64 $1,685.00 $2,490.64 $1,245.32 Annual Premium 0 $0 $0 $0 $0 $0 $0 $0 $0
Kaiser POS, DPPO, and Vision Lives
EE Only 1 $1,576.56 $697.00 $879.56 $439.78 $1,761.73 $697.00 $1,064.73 $532.37 EE + 1 0 $2,849.83 $1,265.00 $1,584.83 $792.42 $3,183.51 $1,265.00 $1,918.51 $959.26 EE + Family 0 $3,795.31 $1,685.00 $2,110.31 $1,055.16 $4,240.08 $1,685.00 $2,555.08 $1,277.54 Annual Premium 1 $18,919 $8,364 $10,555 $5,277 $21,141 $8,364 $12,777 $6,388 TOTAL 798 $13,300,376 $11,976,602 $1,323,775 $661,887 $14,377,311 $11,985,995 $2,391,317 $1,195,658 Change from current - $ $1,076,935 $9,393 $1,067,542
Change from current - % 8.1% 0.1% 80.6%

ATTACHMENT A
Disclosures
55 Alliant 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 at www.ambest.com . Ratings
f
or Carriers included in this presentation are:

Carrier A.M. Best Carrier A.M. Best Kaiser NR Halcyon NR
Sutter Health NR APA NR
Delta Dental A P&A NR
VSP A-
Lincoln A
Plans are rates presented are generally effective July 1, 2022 through June 30, 2023 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.

ATTACHMENT A

City Council and Concurrent AuthoritiesMarch 21, 2023

City Council and Concurrent Authorities
March 21, 2023