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Insurance broker outlines plan using third‑party administrator and reserve account; commissioners ask for more time
Summary
An insurance broker presented a proposal to shift Pratt County to a higher‑deductible plan administered with a third‑party claims administrator and a county-held reserve; staff and the broker outlined fees, estimated funding and operational steps and flagged additional paperwork the county would need to manage.
A representative for TIL Insurance presented Pratt County commissioners with a plan that pairs a higher‑deductible Blue Cross plan with a third‑party administrator (Freedom Claims) and a county reserve account to capture monthly savings.
Darren Booth, identified as with TIL Insurance, described the plan’s structure: the county would pay lower monthly premiums to Blue Cross for a high‑deductible option while transferring a monthly per‑person amount into a reserve to be administered for claims under the county’s self‑funding layer. Booth said the plan would charge a per‑member administrative fee — described in the…
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