Faculty Benefits Committee Meeting

Minutes, April 23, 2002

 

The following committee members were present: Chuck Donbaugh, Michael Elliott, Blair Funderburk, Marc Goetschalck, John Grovenstein, Jackie McGill, Chris Shalley, and Jean Swank

 

The meeting was called to order at 11:05 AM.

 

The minutes from the February 5th meeting were approved.

 

Alternate Dental Plan Options

Over the past year there have been some complaints by employees that they were having problems with the length of time it took to get an appointment to see an in-network dentist in the OHS  Dental Plan (access problems).  For this reason a market survey was completed to see what else is available in the market place from both a product and price standpoint.

 

Blair Funderburk presented his findings from this survey of alternate dental plan options.  Eight companies were included in the survey.  Four companies declined to quote advising they were either uncompetitive with the OHS plan, or they could not insure retirees. The following four companies provided proposals:

  • OHS/CompBenefits (DHMO/PPO)
  • Delta Dental (Scheduled Indemnity with a provider network availability)
  • Ameritas (Scheduled Indemnity – no network)
  • MetLife (PPO) 

 

Blair presented the committee with the following hand-outs taken from his full survey report with data from the four companies providing proposals plus some information on the BOR indemnity plan:

  • A list of companies included in the dental market survey
  • A dental benefit comparison
  • A dental rate comparison
  • OHS membership count (2000 and 2001)

Refer to the pages that follow for the details of the hand-outs.

 

Discussion on the alternate dental plans included the following information:

  • Approximately 70% of Tech employees participate in either the BOR or OHS dental plans.
  • The competing companies will not offer their products in addition to another carrier’s product, except the BOR plan
  • Concerns about the various types of plans include:

q       Fixed scheduled indemnity plans may have the problem of a dentist raising rates in the future, resulting in higher out-of-pocket cost to the insured. However, this type plan should offer better long-term rate stability.

q       DHMO plans require a referral and have very limited networks.

q       Balance billing can occur on out-of-network claims

  • Any alternate plan needs to have a definite benefit in order to not alienate current insured parties who might be required to make a change in dentist if a change in plan is made.  CompBenefits has an advantage because it owns OHS, so the present plan could be offered along with their PPO plan as a dual choice offering.
  • The BOR plan offers a 100/80/80 plan, but is only available to current insured parties and new employees in the first 30 days of employment.
  • Every plan has its advantages and disadvantages. No one plan is a clear-cut winner.
  • In the Greater Metro Atlanta area, the OHS network has 126 general dentists, CompBenefits/OHS has 175 and MetLife has 381.

 

Blair is to report back at the next meeting of this committee on a comparison and study of the provider networks of OHS, CompBenefits and Met Life.

 

Policy on Religious Observances

The committee decided that the policy on religious observances is outside of our committee’s scope; however, a few points were noted:

  • Faculty members are not always able to obtain a substitute to cover their classes while they are away for an observance.
  • Some parties might take undue advantage of the situation.
  • Perhaps a possible list of observances could be posted for information purposes.
  • Students should be able to document the reason for their absence.

 

CUPA report did not come in yet as they keep on extending the deadline.  The information will probably be available in the Fall.

 

Classified Employee Salaries

Chuck Donbaugh stated that he may be able to report on FY 2002 classified employee salary data at our next meeting.

 

New Business

The policy of the BOR indemnity plan prescription policy of only allowing one pill per day (no matter what the doctor prescribed) was discussed.  Chuck Donbaugh stated that HR is aware of the problem.

 

The meeting was adjourned at 12:30.  The next meeting is Tuesday, May 21, 2002, at 11:00 am in the ERB 1st floor conference room.


 

Georgia Institute of Technology

Companies Included in Dental Market Survey

 

 

 

1)      Ameritas

2)      CIGNA

3)      CompDent/Oral Health Services

4)      Delta Dental

5)      Jefferson Pilot

6)      MetLife

7)      Principal

8)      Reliance Standard

 

 

 

 

 

 

 

 

 

 

Prepared April 2002


A Dental Benefit Comparison

for

Georgia Institute of Technology

 

CARRIER

OHS

COMPBENEFITS

DELTA DENTAL

DENTAL COVERAGE:

DENTAL ACCESS PLAN MG

PPO-ELITE PREFERRED 700

DPO-ADAPTABLE 5-AREA13

CALENDAR YEAR DEDUCTIBLE

·         Per Person

·         Maximum per Family

·         Orthodontic (Sep Ded)

·         Waived for Preventive

IN

None

None

None

N/A

OUT

None

None

None

N/A

IN

None

None

None

N/A

OUT

None

None

None

N/A

 

$50

Each Member Must Satisfy

$50 (lifetime)

yes

CO-INSURANCE

·         Preventive

·         Basic

·         Major

·         Orthodontia

IN

Copay Plan

Copay Plan

Copay Plan

50% Dis. Fee

OUT

Scheduled Indem.

Scheduled Indem.

Scheduled Indem.

50% UCR

IN

100%

50%

50%

50%

OUT

100%

50%

50%

50%

 

Scheduled Indemnity Approx 100%

Scheduled Indemnity Approx 50%

Scheduled Indemnity Approx 50%

50% of UCR

CALENDAR YEAR MAXIMUM

$1,500

$1,000

$1,200

LIFETIME ORTHODONTIC MAX

$1,500

$1,000

$1,000

DENTAL RATES:

CURRENT

RENEWAL

 

 

Employee 

16.86

18.46

24.74

24.31

Employee + 1 

36.58

40.06

53.68

49.65

Employee + 2 

52.90

57.92

77.60

71.76

 

CARRIER

AMERITAS

METLIFE

 

DENTAL COVERAGE:

SCHEDULED INDEMNITY

PPO-VOLUNTARY PDP

NOTES:

 

1)       Delta Dental Plan is a scheduled indemnity plan with a network of providers that agree to accept lower charges, thus this limits the out of pocket cost to the employee since the employee pays the difference between the reimbursement and the charge by the dentist.

 

2)       Orthodontic coverage is for children only for CompBenefits, Delta Dental and MetLife and for both children and adults for OHS and Ameritas.

CALENDAR YEAR DEDUCTIBLE

·         Per Person

·         Maximum per Family

·         Orthodontic (Sep Ded)

·         Waived for Preventive

 

$50

Each Member Must Satisfy

$0

YES

IN

$50

$150

no

yes

OUT

$100

$300

no

no

CO-INSURANCE

·         Preventive

·         Basic

·         Major

·         Orthodontia

 

Sched. Indemnity Approx 100%

Sched. Indemnity Approx  50%

Sched. Indemnity Approx  50%

50% of UCR

IN

100%

70%

50%

50%

OUT

100%

70%

50%

50%

CALENDAR YEAR MAXIMUM

$1,250

$1,200

$750

LIFETIME ORTHODONTIC MAX

$1,000

$1,000

$750

DENTAL RATES:

 

 

Employee  

20.96

19.20

Employee + 1 

41.92

36.63

Employee + 2 

72.60

61.06


A DENTAL RATE COMPARISON

FOR

GEORGIA INSTITUTE OF TECHNOLOGY

 

 

 

CARRIER

BOARD

OF REGENTS

CURRENT

OHS

RENEWAL

OHS

 

Dental Plan

 

Indemnity Plan

 

 

Quasi PPO

Plan MG

 

Quasi PPO

Plan MG

Employee

30.78

16.86

18.46

Employee Plus 1

65.92

36.58

40.06

Employee Plus 2

65.92

52.90

57.92

Rate Guarantee

Rates shown are good until 12/31/02

Rates in force until 12/31/02

Renewal Rates for 1/1/03 are good for 1 year

 

 

 

CARRIER

 

COMPBENEFITS

 

COMPBENEFITS

 

DELTA

 

AMERITAS

 

METLIFE

 

Dental Plan

 

DHMO

CS150

 

PPO

EP700

100/50/50

 

Scheduled Indemnity Overlay

Table 5-Area 13

 

Scheduled Indemnity

 

PPO

PDP 100/70/50

 

Employee

 

13.34

 

24.74

 

24.31

 

20.96

 

19.20

 

Employee Plus 1

 

24.42

 

53.68

 

49.65

 

41.92

 

36.63

 

Employee Plus 2

 

34.68

 

77.60

 

71.76

 

72.60

 

61.06

 

Rate Guarantee

 

2 years

 

1 year

 

1year

 

1 year

 

1 year

 

NOTES: (1) Board of Regents Plan is limited to new hires and current insureds and rates illustrated for the BOR plan are current rates and do not reflect Jan. 1, 2003

                     renewal rates. 

               (2) CompBenefits PPO rates can be reduced 10% if offered as a stand alone product.

Prepared April 2002

 

 

 

Attachments:

 

1. OHS-GA Tech 2001 Membership2.xlx

 

2. OHS-GA Tech 2000 Membership2.xls