[{"_1":2,"_99":-5,"_100":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,75,87],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},"mediaId",6225260,"mediaKeyId","3539602-21dd85cfe35691b05fbb9b8eb532ed9e","parentId",3539602,"title","Self-insurance board renews property/casualty package, directs risk follow-ups and departmental safety planning","audioSeconds",1118,"startMs",5068000,"endMs",6186000,"viewUrl","/Search/View?dp=1&key=3539602-21dd85cfe35691b05fbb9b8eb532ed9e&start=5068&end=6186","thumbnailUrl","https://assets.pipeline.soar.com/3539602-21dd85cfe35691b05fbb9b8eb532ed9e/thumbnail_5068000.jpg","articleUrl","/articles/6225260/Sumner-County/Tennessee/Self-insurance-board-renews-propertycasualty-package-directs-risk-follow-ups-and-departmental-safety-planning","mediaUrl","https://secure.pipeline.soar.com/6225260-ef6dee52876f93143590c92949664f5b/orig.mp4?Expires=1771193562&Signature=ZaZlMdEsKVb9rfYACsV62g627uXisLDxY6cVMYWhr1HtXhrFjY0LfZgTskXWLFTYXE7YOnm-72mrG7ubbOERWAybEmYcoBXgnvciobhLeKKO3rxF7C6PdTO6s4JWfJ03u4AJslDoopMWCk203mbuuIlQP1c-TSOY1iZH-21QDsPJAeH5AkwdPx6UyNyiNTl-3fuo3iPdstM2WkCF9fm-pJFWfnvC9sHzKvdzXyVAjprsvtWKeznGHM~HDHpEuVggi-gwUqoubV6Cnq-gY3Pvp4T6kWswABKb3rVkAMZ6ii8oNoNTwmFrEsHf3LO4ZGgwWZKebOILN1Th84j0QZhEYQ__&Key-Pair-Id=KUT5TJCACFTXG","author","Sumner County, TN","date","2025-05-27T19:52:11Z","article","The Sumner County Self Insurance Board approved a property/casualty renewal package at its May 27 meeting and directed staff and its broker to follow up on property valuations, coverage schedules and specialty endorsements before final contract execution.

Board members heard from their broker and in-house finance staff about two insurance options that had been presented. One option (the renewal option) provided comprehensive coverage including pollution and violent/deadly‑weapon endorsements; the alternate option lacked complete endorsements or would require additional premium to restore the same coverage. The board voted to proceed with the renewal option that preserves the county’s current coverage set and per‑occurrence limits. Staff said the renewal proposal as presented showed an approximate 2 percent increase in premium from last year and that a property-schedule realignment by the broker could modestly reduce the final premium.

The broker and finance staff discussed how insurers calculate replacement values and noted that different underwriters had used differing valuation bases for the same courthouse and county facilities. Board members emphasized the importance of accurate replacement cost and schedule entries; staff committed to working with the broker to reconcile building valuations (the present policy schedule lists the courthouse at approximately $105 million in reported value, which the broker questioned in its comparative quote). Finance staff told the board the insurance fund remains in a positive cash position (cash and reserves reported in the packet at roughly $20.5 million) and noted internal stop‑loss arrangements for very large claims.

The board also took several risk‑management actions. It voted to direct risk management to develop an overarching departmental risk‑mitigation plan and to work with departments to ensure location‑specific safety protocols are in place; the motion passed. The board additionally approved a procedural measure requiring county departments to bring proposed additional standalone insurance purchases to the self‑insurance board for review before payment or implementation; the board asked staff to compile a list of county facilities and lessee/volunteer arrangements that may already have layered coverage and to establish a consistent certificate-of-insurance practice for vendors and event rentals.

Other operational directions included: staff will verify vehicle-marking policy and review in‑house vehicle repair and large-claim exposure trends; benefits staff will notify employees about a recent vision-network change that removed some Gallatin providers from the county’s preferred network and will explore longer‑term network/bid options for vision coverage.

Board action: motion to accept the renewal option for property and casualty coverage (option A) passed; motions directing risk management to craft a departmental mitigation plan and requiring departments to route additional insurance purchases through the board also passed. Staff and the broker were directed to reconcile property valuations and return with corrected schedules and final premium figures.","mediaType","Video","parentTitle","Self Insurance Board (Table) 5/27/25","oneSentenceSummary","The Sumner County Self Insurance Board approved a renewal of the county’s property and casualty insurance package and directed staff to reconcile property valuations, while also ordering countywide safety planning and tighter oversight of additional insurance purchases.","taxTitle","Sumner County, Tennessee","taxId",19115,"location","headline","","shortSummary",{"_33":76,"_35":36,"_37":38,"_39":77,"_41":78,"_43":79,"_45":80,"_47":81,"_49":82,"_51":83,"_53":84,"_55":56,"_57":58,"_59":85,"_61":62,"_63":64,"_65":86,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},6225266,"County clinic stats show uneven use; board asks for combined utilization figures and wellness follow-up",172,199000,371000,"/Search/View?dp=1&key=3539602-21dd85cfe35691b05fbb9b8eb532ed9e&start=199&end=371","https://assets.pipeline.soar.com/3539602-21dd85cfe35691b05fbb9b8eb532ed9e/thumbnail_199000.jpg","/articles/6225266/Sumner-County/Tennessee/County-clinic-stats-show-uneven-use-board-asks-for-combined-utilization-figures-and-wellness-follow-up","https://secure.pipeline.soar.com/6225266-c997b860e9b700a1a1891480b573f68e/orig.mp4?Expires=1771193562&Signature=DeFioDYabpSFeRkZd3-2N4yddFlLyafqmPuMQRC3D5GdpU6xFF3mYqDW7I7-1UIWtbdFrxgPTaBudc7jOSJ4-sVzPNMIJXomGa5K5UWF0c13PbKrKc1F063Jp0yp3mvz3TvFyV1nlKzZnD7K-Ic1tWiY2OHTmUjyDeiwEQNCxpnka~Cfz5NBZBQKCBAZMjD8WOyAhGL-jA1-Z8HGms7Xkh~ueMTWI3I9~B~MMXOh9i9fub~-a2ZsPAO6H9XJcuWqi26migbYSam96FonU-DFsLV6Yy7JetiVlAmBG57jHb7OQk9xhoaCqcz-Cl1TrmH0l6D2Kgm6iVonzdxClohFHg__&Key-Pair-Id=KUT5TJCACFTXG","Consultants for the county presented first-quarter operational statistics for the employee clinics at the May 27 Self Insurance Board meeting, saying combined clinic utilization stood at 74.9 percent against an 80 percent benchmark and flagging variation across locations.

The presentation listed 387 telehealth encounters for the quarter, 214 behavioral-health visits and a reported patient satisfaction rate of 98.2 percent. Consultants named the Portland clinic as the top site by visits. The wellness program summary showed 430 employees achieved program compliance and 207 employees were noncompliant for the year-to-date period; consultants also reported 23 employees and 19 spouses as nicotine-related noncompliant cases and 84 spouses designated as compliant.

Board members pressed for clarity about utilization calculations; consultants said utilization is measured by scheduled appointments per staff-hour (roughly appointments per hour). Members also asked for combined reporting that includes Board of Education usage, noting the clinics operate under a shared-contract model where monthly clinic charges are split between the county and the Board of Education. Staff said the split was established long ago and is roughly an 84/16 percentage division based on eligible‑employee counts; consultants said the arrangement has been in place at least eight years.

Board members expressed concern about low-volume clinics such as Westmoreland and White House, which operate only limited hours (two-and-a-half days per week) compared with other clinics that are open more days. Members asked staff to analyze whether adjusted hours or consolidation would improve efficiency and to return with combined county/Board-of-Education figures and a side-by-side breakdown.

Consultants also provided upcoming health-screening and wellness dates: HRAs and annual physicals are scheduled to start July 1 and run through Sept. 30; health coaching completion timelines were listed as March 27 (annual coaching deadline), and a dedicated HRA event is set for the week of Aug. 11–15 at government facilities and one Ellis Clinic event for those preferring an HRA visit rather than an annual physical.

No formal votes were taken on service hours or clinic locations at the meeting; board members directed benefits staff and the clinic vendor to provide combined utilization reports and to return with recommendations for low-use locations at the next meeting.","Consultants reported first-quarter clinic activity and wellness-completion rates; the board asked staff to provide combined county and Board of Education clinic data, requested follow-up on low-use locations and confirmed HRA and coaching dates.",{"_33":88,"_35":36,"_37":38,"_39":89,"_41":90,"_43":91,"_45":92,"_47":93,"_49":94,"_51":95,"_53":96,"_55":56,"_57":58,"_59":97,"_61":62,"_63":64,"_65":98,"_67":68,"_69":70,"_71":68,"_72":73,"_74":73},6225270,"Self-insurance board votes to end county bariatric surgery benefit, adopt supervised weight-loss program",1733,864000,2597000,"/Search/View?dp=1&key=3539602-21dd85cfe35691b05fbb9b8eb532ed9e&start=864&end=2597","https://assets.pipeline.soar.com/3539602-21dd85cfe35691b05fbb9b8eb532ed9e/thumbnail_864000.jpg","/articles/6225270/Sumner-County/Tennessee/Self-insurance-board-votes-to-end-county-bariatric-surgery-benefit-adopt-supervised-weight-loss-program","https://secure.pipeline.soar.com/6225270-69d8ad1467257917991257830979b3c0/orig.mp4?Expires=1771193562&Signature=mPf2F7nZOoQ8GWiT2FeH2VjLYX86yBSP1H3SaARKbIKmhS1iVKmvAAMpxU9sulGZGDoWlXZuFK~BG5zTwulJStOqCVxBHCYuLLQYOCnkwD0vo9ZUklH58h0Td8bL7aAmzb0Y6Mz71SEWuaHspH7QHnoIWPHrMk9TEKW9VtkzmcSr~fMIRB92n4UKb3s0cv7-jRyIbAMrrCH~wZcc7xe4Wrer46o8Yq-uIUEWjvET8d3-G5b69OWc7qyqmS93rKnZ~GPm3fuHOPOlW4ps-zPq5oyYTiP~GhIfvATwbzhA1buzA5mQMVWRvvh7MNOGTayVI~hJ94Xi40sZqvV3tvLb7A__&Key-Pair-Id=KUT5TJCACFTXG","The Sumner County Self Insurance Board voted May 27 to phase out its county-supported bariatric surgery benefit and adopt a structured, monitored weight-loss program as the county’s primary obesity intervention for employees.

Board members said the existing bariatric benefit has uneven cost and coverage outcomes and exposes the county to downstream medical claims. Under the board’s current waiver, employees who meet eligibility must have five continuous years of employment and — if approved — the county covers 90 percent of the procedure or up to $18,000; the board and staff said those terms are part of the current policy that will remain in effect only for employees already underway in the process.

Board members discussed testimony from 1to1 consultants and vendors who provided estimates of negotiated out‑of‑network self-pay surgical pricing (examples cited in the presentation ranged roughly from about $14,000 to $22,000 for common procedures, excluding anesthesia and variable hospital stay charges). Consultants also outlined a medication-based program that pairs three months of monitored lifestyle coaching with short-term prescribed agents (GLP‑1s and alternatives), eligibility screening and ongoing provider oversight, and recommended a patient contribution (a sample 25 percent co-pay was described) to reduce churn and cost exposure.

The board’s motion adopted the consultant-recommended weight-loss program framework and directed staff to develop program details, cost models and enrollment limits for the next meeting. The board separately decided to grandfather three employees who are already in the program pipeline: staff reported two had completed prerequisites and were awaiting surgery and a third had just begun preoperative steps; those three may complete their current processes under the existing policy. The board also directed benefits staff and counsel to return with wording and an implementation plan that would keep the three employees covered under the current waiver terms if they meet the policy requirements.

In discussion, the county attorney and the board’s risk adviser warned that arranging direct-pay contracts with out‑of‑network surgeons could increase the county’s liability and shift postoperative complications onto the county medical plan if complications are not coded to the surgical episode. Board members cited Blue Cross Blue Shield processing practices and state Medicaid (TennCare) exclusion of bariatric coverage for certain non‑diabetic cases as context for the decision.

The board asked the consultant (1to1) to provide specific projected monthly costs, estimated eligible population counts from the most recent biometric data, and a recommended participant cost‑share structure before final implementation.

Board action: the motion to adopt the supervised weight-loss program and discontinue the county’s bariatric surgery benefit for future applicants, while grandfathering existing participants as described above, passed.

The board will revisit program design, projected budget impacts and eligibility thresholds at its next scheduled meeting.","The Sumner County Self Insurance Board voted to discontinue direct support for bariatric surgery and instead adopt a structured medication-and-coaching weight-loss program, grandfathering three employees currently in the surgery pipeline and directing staff to return with program cost estimates and design details.","actionData","errors"]

Article not found

Self-insurance board renews property/casualty package, directs risk follow-ups and departmental safety planning

County clinic stats show uneven use; board asks for combined utilization figures and wellness follow-up

Self-insurance board votes to end county bariatric surgery benefit, adopt supervised weight-loss program