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Destin council approves 'difference card' reimbursement plan to curb health‑insurance renewal hike
Summary
Council authorized staff to implement a medical reimbursement plan (the Difference Card) and to move the city’s group health coverage to a single UnitedHealthcare plan with an accompanying reimbursement bucket to reduce premium increases and keep employee benefits stable.
The City of Destin voted unanimously Monday to implement a medical expense reimbursement program commonly called the “Difference Card” alongside a move to a single UnitedHealthcare plan, a change staff said will limit the council’s near‑term insurance costs and preserve employee benefits.
City benefits consultant Mike Carraway presented the plan at the June 16 meeting, telling council that after negotiating the Blue Cross Blue Shield renewal the city faced a proposed increase of “just over 20%” and had negotiated that to about 15%. He said UnitedHealthcare’s market quote was materially lower than the Blue Cross renewal…
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