Successful Employee Benefit Programs

Key Ingredients to Help Municipalities Navigate the

Complex World of Healthcare

Agenda

•  Overview of Member Pools and/or Programs

•  Key ingredients for success health pools or programs

•  How do you define future success?

VLCT Health Trust A Brief History

Health Pooled Program 1982-2011 •  Pool Premium in 2010 was $26.6 million •  Operating Budget $1.3 million

Carrier Choice 2012-2013 •  Brokered Health Insurance Program •  2013 Operating Budget $1.1 million

Vermont Health Connect Exchange 2014 •  2014 Operating Budget $400 thousand (a 64% reduction)

Merger with UI Pool in 2015 •  VLCT Employee Resource and Benefits Trust (VERB)

• Offering Benefits to Municipalities since 1980

Current EnrollmentsMedical (UHC/ASO) – 62 Groups - 4140 EE’s/7245 TotalDental (Delta) 60 Groups – 1346 EE’s/2671 TotalVision (UHC/Fully Ins) - 52 Groups – 981 EE’s/1869 TotalLife (Standard/TML) – 27 Groups – 428 EE’s/503 TotalCOBRA & Supplemental Benefits - American Fidelity

• Florida is a Very Competitive Marketplace• How Have We Been Successful?

Association of Washington Cities

Employee Benefit Trust

§Member service of AWC since 1970§275 participating entities

§ Cities and towns§ Special purpose districts

§16,000 employees & retirees§36,000 lives§Offering:

§ Medical – active & retirees§ Dental§ Vision§ Life and LTD§ Health promotion, inc. EAP

Key Ingredients

Marketplace

Competitive/ Value

Proposition

Governance

Legislative & Regulatory

Environment

Member Services & Resources

Partnerships &

Collaboration

Key Ingredients

Marketplace

Key Ingredients

Competitive/ Value

Proposition

Key Ingredients

Governance

Key Ingredients

Legislative &

Regulatory Environment

Key Ingredients

Member Services

& Resources

Key Ingredients

Partnerships &

Collaboration

Looking Ahead

Key Takeaways for Future Success

Questions?

Thank You!