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Chippewa County reviews self-funded health plan after 2024 losses; HR outlines reforms and vendor issues
Summary
Human Resources director reported high-cost claimants drove 2024 health-insurance losses, the county changed stop-loss carriers, and county officials described cost-control programs (Reform Medicine, Doctors of PT) and customer-service concerns with a care-navigation vendor.
Tony Hoefelder, Chippewa County human resources director, told the County Board the self-funded health plan showed higher claims in 2024 driven by more high-cost claimants and that the county moved stop-loss coverage from a captive arrangement to a traditional carrier, QBE, for 2025.
Hoefelder said the county’s fund balance for the self-funded plan was bolstered at year‑end by a $2.3 million transfer from general funds and that the plan recorded a sizable variance in 2024 claims. “We do have some sick members on our plan. We have cancers. We have, some children who are really struggling with certain prescriptions. We do have several high cost members right now,” he said.
Key points Hoefelder and staff presented: - Fund…
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