Powerpoint Insurance Renewal

1. ADMINISTRATION
Presented by:
Buddy Kuhn
City Manager
HEALTH INSURANCE RENEWAL
ITEM # 6
NOVEMBER 10, 2025

2. SUMMARY
 HUB obtained renewals for medical, dental, life,
AD&D, LTD, and vision insurance coverage for
2026
 Renewals obtained for medical were 2.3% higher
than the projected budget
 Vision, Dental and LTD benefits will have no
increase in premium for 2026

3. RECOMMENDATIONS FOR EMPLOYER PAID
COVERAGE
 Medical:
 BlueCross BlueShield is proposing a 17.3% increase for the HSA
base plan – City budgeted 15% - Difference of 2.3%
 Dental: No increase Mutual of Omaha
 No increase for vision with MetLife-Davis

4. RECOMMENDATIONS FOR EMPLOYER PAID
COVERAGE
 Life & AD&D:
 Mutual of Omaha is proposing a 0% change
 LTD:
 Mutual of Omaha is proposing a 0% change

5. RECOMMENDATIONS FOR EMPLOYER PAID
COVERAGE
 Consider funding increase for dependents at 100% due to
affordability - BCBS
 Consider adding Next Level Prime for all employees and
families as a supplement to BCBS
 Next Level covers primary care, urgent care, health and
wellness, immunizations and vaccines, labs, DME, weight loss
solutions, behavioral counseling and more

6. RECOMMENDATIONS FOR EMPLOYER PAID
COVERAGE
 Using Next Level, claims not submitted to insurance carrier
 No out-of-pocket cost to employees or dependents
 No balance billing to patients
 Visits 9am to 9pm daily, telemedicine and multiple clinics
through the region
 AHISD, OP and other local employers utilizing
 Employees would still have to pay for prescriptions not
provided at clinic

7. POLICY ANALYSIS
 Consistent with the City’s efforts to provide
quality but affordable insurance benefits to its
employees and relieve the impact of the increased
dependent coverage costs to those employees

8. COORDINATION
 Review by HUB
 Mayor Pro Tem Jacobson
 Mayor Honigblum
 City Manager
 City Attorney

9. FISCAL IMPACT
 Total fiscal impact is approximately $652,408 for medical
coverage including $49,061 – 2.3% above budget
 Other Options
 Increase for dependents - $17,150 (Optional)
 Addition of Next Level - $67,671 (Optional)
 Employees will continue to receive annual maximum
contribution of $1,250 per employee deposited into Health
Savings Account (HSA)