announcements

THE ACTIONS TAKEN AT THE JPA BOARD MEETING ON MARCH 17, 2017
FOR THE FY 2017-2018 ARE AS FOLLOWS:

GREAT NEWS!

 • There are NO RATE INCREASES for the Medical PPO Plans!

 • The BASIC Plan has been enriched!  The deductible for an individual has been decreased to $1,000 per person,

    $2,000 for family.  The coinsurance for the participant has been reduced to 30%.

 • The Kaiser HMO rates have not been released yet.

 • There are NO RATE INCREASES for the Dental Plans!

 • There are NO RATE INCREASES for the Vision Plans!

 • Waiver Assessment - No Change

 • Group Life Options - No Change in rates.

 

THE ACTIONS TAKEN AT THE JPA NOON MEETING FOR FY 2016-2017 ARE AS FOLLOWS:

  • Group Life Options - No change in rate.
  • Medical Plans - All Medical PPO Plan rates are increased approximately 5% and for the Kaiser HMO Plans, they increased their rates by 14.5%.
  • Dental Plans - All core dental rates will increase by 3%. This does not include the add-ons.
  • Vision Plans - All plans will increase by 3%.
  • Waiver Assessment - No change.

Posted: 06/26/15 –  New Executive Director as of July 1, 2015. Click here for full announcement.

 

Posted: 03/25/2015

 

To All JPA Members:

 

NOTICE OF ACTIONS TAKEN BY THE EXECUTIVE COMMITTEE AT THE MARCH 20, 2015 TRI-COUNTY SCHOOLS INSURANCE GROUP BOARD OF DIRECTORS MEETING

 

The annual meeting of the Tri-County Schools Insurance Group Joint Powers Authority (JPA) Board of Directors was held on Friday, March 20, 2015 in Yuba City, CA. A quorum of the Board was not present; however, a quorum of the Executive Committee was in attendance. Per Section 5.14, the Executive Committee is specifically empowered to act as the governing body of the JPA on those matters which were to be considered by the Board of Directors at the March 20th meeting. The following actions were taken:

 

C1: The minutes of the March 14, 2014 were approved.


E1. Property/Casualty Coverage Recommendation to the JPA Board

 

  1. FY 2015/2016 property program rates are to remain the same with the purchase of coverage above the $100,000 self-insured retention from Lexington or another carrier meeting or exceeding coverage requirements for the same or lower rate.
  2. FY 2015/2016 liability rates to remain the same with the purchase of excess liability from Genesis for the $250,000 to $5,000,000 layer of coverage using Superior JPA as a conduit for the transaction and the purchase of excess liability above $5 million to $30 million through Schools Excess Liability Fund (SELF).
  3. Designate $1,750,000 in retained earnings for claims stabilization reserve and increase the deductible operating account $68,000 as needed from undesignated reserves.
  4. Renew cyber-liability coverage at the same rate and add to the property/liability billing to the program members.

 

E2. Medical Program Recommendation to the JPA Board

 

  1. Approved the attached rate sheets and plan design changes for the medical programs.

 

Over the last several years, the medical program has paid out more in claims and other expenses than it has collected in contributions. The federal Affordable Care Act requires actuarial review of plan relative values. Predicted trend is improving at around 5%. The cost of dependent coverage still requires some adjustment. Also, the Consumer Driven Health Plan has been discounted below actuarial value for many years.

 

As you will observe in the attached rate sheet, because of the different adjustments, the increase is different for various plans. Overall the targeted revenue increase is 8.5%, but some plans are below that target because of their actuarial value and some are above that level. The Standard Plan employee only rate and employee plus one rate increased 4.1%. Other plans increased according to their relative value to the Standard Plan and their dependent coverage.

 

Kaiser medical experience has been favorable. The slightly decreased Kaiser rates are indicated on the rate sheet attachment. They also have some benefit design changes.

 

Waiver Assessment Fee will remain unchanged as $306 for tiered systems and $612 for composite systems.

 

E3. Group Life Program Recommendation to the JPA Board

 

  1. Six options of basic group life coverage were approved without an increase in the rate. ($10,000, $25,000, $50,000, $100,000, $150,000, $200,000)

 

E4. Dental Program Recommendation to the JPA Board

 

  1. An overall 8% increase in revenues is required therefore the rates were approved as illustrated in the attached rate sheets. The employee only tiered rate has been adjusted from $3 to $5.

 

E5. Vision Program Recommendation to the JPA Board

 

  1. The FY 2015/2016 rates are to remain the same.

 

E6. FY 2015/2016 Budget Recommendation to the JPA Board

 

  1. The FY 2015/2016 Budget was approved as submitted.

Pursuant to Section 9.2 of the By-laws all decisions of the Executive Committee shall constitute the decisions of the Board of Directors, unless, within twenty (20) days after providing notice of the actions of the Executive Committee, at least twenty-five percent (25%) of the Board of Directors provide written requests to the Joint Powers Authority's office requesting a special meeting of the Board of Directors to consider these items again. The final Employee Health Care Plan document which will be published in the near future for Open Enrollment which begins April 15, 2015.

 

The above summary is provided to assist you in making budget decisions. If you have any questions regarding the actions taken by the Executive Committee and Joint Powers Authority Board of Directors, please call me at your earliest convenience. (530)822-5299 or (866)822-5299.

 

Richard T. Hare Executive Director

 

Posted: 11/17/2014 –  2015 Consumer Driven Health Plan (CDHP) changes per IRS Code

News recently released by the IRS sets the minimums and maximums related to Health Savings Accounts (HSA). The CDHP Deductible will increase slightly to $1,300 Individual/$2,600 Family; CDHP Maximum Out-of-Pocket Expense also increases to $6,450 Individual/$12,900 Family, HSA Contribution Limits increase to $3,350 Individual/$6,550 Family and HSA Catch-Up Contribution Limit for those 55 and older ($1,000) will remain the same for 2015.

Posted: 11/17/2014 – Stanford and Anthem Blue Cross Negotiate a Contract – Good News!

Stanford Hospitals and Anthem Blue Cross have negotiated a multi-year contract with a retro-active effective date of September 8, 2014. Therefore there is no lapse in member coverage at Stanford Hospitals (which includes Stanford University Hospital, Lucile Salter Packard Children’s Hospital and their physicians).

Posted: 5/21/2014 – RX MAIL ORDER TO CHANGE JULY 1, 2014!

As of July 1st, Orchard will no longer be our mail order provider.  We are changing to Costco.  Look for your letter outlining the changes.

To All JPA Members:

 

NOTICE OF ACTIONS TAKEN BY THE EXECTIVE COMMITTEE AT THE MARCH 14, 2014 TRI-COUNTY SCHOOLS INSURANCE GROUP BOARD OF DIRECTORS MEETING

 

The annual meeting of the Tri-County Schools Insurance Group Joint Powers Authority (JPA) Board of Directors was held on Friday, March 14, 2014 in Yuba City, CA. A quorum of the Board was not present; however, a quorum of the Executive Committee was in attendance. Per Section 5.14, the Executive Committee is specifically empowered to act as the governing body of the JPA on those matters which were to be considered by the Board of Directors at the March 14th meeting. The following actions were taken:

 

C1: The minutes of the March 15, 2013 were approved.

 

E1. Property/Casualty Coverage Recommendation to the JPA Board

 

1.    FY2014/2015 property program rates are to remain the same with the purchase of coverage above the $100,000 self-insured retention from Travelers or another carrier meeting or exceeding coverage requirements for the same or lower rate.

2.    FY2014/2015 liability rates to remain the same.

3.    $1,750,000 to be designated in retained earnings for claims stabilization.

4.    Excess Liability coverage from $2,000,000 to $5,000,000 to be obtained from Genesis.

5.    Excess Liability coverage above $5,000,000 to $20,000,000 to be secured through Schools Excess Liability Fund (SELF)

 

E2. Medical Program Recommendation to the JPA Board

1.     Over the last several years, the medical program has paid out more in claims and other expenses than it has collected in contributions. Plus it is anticipated that costs will trend higher in the next year. These factors necessitated a rate increase this year.

An actuarial review of the rates has illustrated that the cost of dependents was not adequately addressed in the rates. Additionally, the Premier Plus and Premier plans have been consistently operating in the red.   As part of the federal review of actuarial value of plans it was also noted that the high deductible health plan which we refer to as the Consumer Driven Health Plan, was discounted more significantly than it should be, so it was also adjusted.

As you will observe in the rate sheet because of the different adjustments, the increase for various plans is different. The range for tiered plans is from a low of 4.7% for the Standard Plan employee only rate to a high of 15.1% for the Consumer Driven Health Plan employee plus one dependent. The composite plan range goes from a low of 12.5% for the Standard Plan to a high of 17.5% for the Consumer Driven Health Plan.

2.    Kaiser rates adopted as presented by Kaiser with a 9.1% increase to the active rates, 5.85% increase to the High Senior Advantage Program and a 6.41% increase to the Low Senior Advantage Program.

3.    Waiver Assessment Fee to remain unchanged as $306 for tiered systems and $612 for composite systems.

 

E3. Group Life Program Recommendation to the JPA Board

1.    Six options of basic group life coverage were approved without an increase in the rates.

($10,000, $25,000, $50,000, $100,000, $150,000, $200,000)

 

E4. Dental Program Recommendation to the JPA Board

1.    An overall 6.5% increase in the rates was approved as illustrated in the attached rate sheets.

 

E5. Vision Program Recommendation to the JPA Board

1.    The FY14/15 rates are to remain the same.

 

E6. FY 2014/2015 Budget Recommendation to the JPA Board

1.    The FY 2014/2015 Budget was approved as submitted.

 

E7. Election of Five At-Large Members to the Executive Committee and Board Officers

1.    The following at large candidates were elected:

Ryan Robison, Sutter Union High School

Sue Roberts, Sierra Plumas Joint Unified School District

Julie Tucker, Colusa County Office of Education

Daena Meras, Pierce Joint Unified School District

Danielle Wilson, Maxwell Joint Unified School District

2.    The following officers were elected:

Ryan Robison, President

Daena Meras, Vice President

Cindy Sutfin, Human Resources Director

 

Pursuant to Section 9.2 of the By-laws all decisions of the Executive Committee shall constitute the decisions of the Board of Directors, unless, within twenty (20) days after providing notice of the actions of the Executive Committee, at least twenty-five percent (25%) of the Board of Directors provide written requests to the Joint Powers Authority's office requesting a special meeting of the Board of Directors to consider these items again. CLICK HERE FOR RATE SHEET

Posted: 3/19/2013 – DEPENDENT ELIGIBILITY REVIEW

One way to keep costs down and maintain a competitive health care plan is to ensure only eligible dependents are covered by TCSIG.  In order to verify this, we have selected Delta Dependent Audit (DDA) to conduct a dependent eligibility review.  Please see the attached FLYER for more information.

Posted: 3/18/2013 – RATES SET FOR 2013/2014

THE ACTIONS TAKEN AT THE JPA NOON MEETING FOR FY 2013/2014 ARE AS FOLLOWS:

Property/Casualty – No change in rate.

Group Life Options – No change in rate.

Medical Plans – All Medical Plan rates are increased approximately 8% to offset current operating deficits and increasing expenses.

The Basic Medical Plan will have a $20 co-pay for office visits.

All plans will have out-of-network services subject to deductible and co-insurance benefit percentage.

Dental Plans - The composite rate for the dental program will be increased $4 and the tiered rates will be increased $2, $4, and $6 respectively.  There will be an additional $2 added to the Orthodontic options. An unlimited annual maximum dental plan is being added to the dental program.

Vision Plans - The composite rate for the vision program will be increased $2 and the tiered rates will be increased $1, $2, and $3 respectively.

Waiver Assessment – No change.

Click Here for RATE SHEET

Posted: 11/30/12 – 2013 Consumer Driven Health Plan (CDHP) changes per IRS Code

News recently released by the IRS sets the minimums and maximums related to Health Savings Accounts (HSA). The CDHP Deductible will increase slightly to $1,250 Individual/$2,500 Family; CDHP Maximum Out-of-Pocket Expense also increases to $6,250 Individual/$12,500 Family, HSA Contribution Limits increase to $3,250 Individual/$6,450 Family and HSA Catch-Up Contribution Limit for those 55 and older ($1,000) will remain the same for 2013.

Posted: 9/25/12: NEW MEMBER GROUP

Welcome Back to PLUMAS LAKE ELEMENTARY SCHOOL TEACHERS!! It’s great to have your entire group back in our family again as of October 1, 2012!

Posted: 9/21/12: VACCINATIONS

TCSIG is pleased to offer many vaccinations at a $0 copay through your local pharmacy. See the Vaccine Flyer for the types of vaccines and pharmacies participating. As always, preventive vaccines are also covered for a $0 copay at your PPO doctor’s office as part of the 100% preventive benefit.

Posted: 4/05/12 – RATES SET FOR 2012/13 – TCSIG Board announces rates for FY 2012/2013

 

• Dental Rate – No change.

• Vision Rate – No change.

• Group Life Rate – No change.

• Medical PPO Rate – Premier Plus and Premier have a 2% increase. Standard, Basic, CDHP, and

  Waiver have no change in rate.

• Kaiser Rate – Both High ($10 copay) and Low ($20 copay) Plans have a 4.8% increase. The Senior Advantage Plans   (Medicare Retirees) have no change in rate.

• Property/Casualty – No change in rate.

Posted: 3/2/2012 – Do you want to get fit? Northside Fitness is offering TCSIG members a discount!

There are three locations in Yuba City and one in Chico, check out the website at www.nsfclubs.com. The normal sign-up fee is $199. For TCSIG members, the fee is WAIVED. The normal single monthly fee is $59, but TCSIG members pay only $29 per month. The $29 rate is for a one year contract and after that becomes a month to month contract. If you decide you do not want a year-long contract to begin with, your monthly fee will be $39. Call Michael Heath, Program Director of Northside Fitness at (530)674-8700. Be sure to show your TCSIG medical ID card when you go.

Posted: 11/7/2011 – Stanford and Anthem Blue Cross Negotiate a Contract – Good News!

Stanford Hospitals and Anthem Blue Cross have negotiated a multi-year contract with a retro-active effective date of September 1, 2011. Therefore there is no lapse in member coverage at Stanford Hospitals (which includes Stanford University Hospital, Lucile Salter Packard Children’s Hospital and their physicians).

Posted: 10/14/11 – 2012 High Deductible Health Plan (HDHP) has No Change to the Deductible amount!

News recently released by the IRS sets the minimums and maximums related to Health Savings Accounts (HSA). The HDHP Deductible will remain at the current level of $1,200 Individual/$2,400 Family; HDHP Maximum Out-of-Pocket Expense increases slightly to $6,050 Individual/$12,100 Family, HSA Contribution Limits increase to $3,100 Individual/$6,250 Family and HSA Catch-Up Contribution Limit for those 55 and older ($1,000) will remain the same for 2012.

Posted: 10/6/11 – KAISER FLU VACCINATIONS

Flu shots are Free for Kaiser Permanente members. Click here for facilities offering the vaccination in your area.

Posted: 10/1/11 – FLU VACCINATIONS

TCSIG is pleased to announce that we have a network of pharmacies which will be offering flu and pneumonia vaccinations for $0 copay for TCSIG eligible members from October 2011 through March 2012. The participating pharmacies are: CVS, Costco, HD Smith, Publix, Safeway, Rite Aid, and Walgreens. As always, Members can also receive flu and pneumonia vaccinations from their Anthem/Blue Cross physician for a $0 copay as part of the 100% preventive benefit.

Posted: 9/2/11 – Stanford terminates contract with Anthem Blue Cross

As of September 1, 2011 the Preferred Provider contract expired. Negotiations are ongoing. Click Here for more information.

Posted: 4/14/11- RATES SET FOR 2011/12

A quorum was present at the annual Joint Powers Authority meeting held Thursday, April 14, 2011 in Yuba City. The annual budget was adopted and the rates for the Medical, Dental, Vision, and Property/Casualty programs were adopted for FY 2011/2012.Property/Casualty, Dental, Vision, Waiver Assessment, and the HDHP (High Deductible Health Plan) rates will remain the same as the current year.The Medical PPO plan rates are increasing 13.3%. Kaiser rates for Active $10 Copay Plan increase 6.5%, for Active $20 Copay Plan increase 6.8%, Senior Advantage $10 Copay Plan increase 1%, and Senior Advantage $20 Copay Plan decrease 2.2%.Schools Excess Liability Fund (SELF) increased the rate to $3.04 per ADA (a $0.09 increase).

Posted: 2/1/11: Shingles/Zoster and Whooping Cough Vaccinations...

may be obtained through the pharmacy benefit for a $0 copay.Check with your pharmacy to see if they are offering the vaccinations. As always, Members can also receive Shingles/Zoster and Whooping Cough vaccinations from their PPO physician for a $0 copay as part of the 100% preventive benefit.

1176 LIVE OAK BOULEVARD, SUITE A | YUBA CITY, CA 95991 | 866-822-5299

© TRI-COUNTY SCHOOLS INSURANCE GROUP