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Pratt County hears presentation on high-deductible health plan that would build reserves
Summary
An outside broker outlined a plan that shifts the county to a Blue Cross Blue Shield umbrella plus a local reserve account administered with a third-party administrator; commissioners asked about costs, risks and implementation but made no formal decision.
Pratt County commissioners heard a detailed pitch on a pair of high-deductible health insurance options Tuesday that would keep employees on Blue Cross Blue Shield networks while routing a portion of premium savings into a locally controlled reserve account.
The proposal, presented by Darren Booth of Teal Insurance and Freedom Claims, would move the county to an umbrella high-deductible plan and set up a reserve (a county-controlled account managed by the third-party administrator) to pay catastrophic claims. Booth said the model would generate roughly $20,000 a month into reserves under one option and estimated a maximum first-year reserve of about…
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