1)    What, if any increase, for 09/10 has the employer suffered?  Please respond in dollars and percentage.

The budget for insurance for FY 09/10 was the same as FY 08/09. Since there was no increase in the health insurance budget, changes were made to the plan and employee contributions to remain within budget.

2)    If the Agency is self insured, how much money does the agency expend on a claim before a re-insurer picks up the balance? 

 $250,000
 
3)    If the Agency has a re-insurer, who is it and how much per year do you pay for the re-insurance?
 
 Symetra is the re-insurer.

 FY 07/08      $422,549.40
 FY 08/09 to date $406,232.49
 
4)    Did the Agency do a Request For Proposal (RFP) for the coming year for health insurance?
 
       No.

5)    Did the Agency seek quotes from the insurance industry before agreeing to UHC?
       Yes.
  
6)    How many companies responded?  Name of responding companies.
  Blue Cross/Blue Shield
 Cigna
 Humana
 Aetna
 
7)    Did a committee make recommendations to the Sheriff to reduce benefits as opposed to incurring higher premiums?  Who is on the committee? 

Human Resources met with our consultants. Recommendations were taken to Sheriff Demings and Executive Staff.
 
8)    What does UHC charge per year to administer the plans?
  FY 07/08  $1,210,004.89
  FY 08/09 to date $1,294,130.23

9)    What is the claims experience ratio to premiums as of the latest information on record to date?
 Prorated for the plan year through June 30, 2009 results in a loss ratio 101.5%.

10)   Is there a projection on how much the deficit, if any will be for the current year?
 
Assuming claims run at average trends for the remainder of the year, the plan year deficit is $588,455.