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Board defers decision on commercial group health renewal after Blue Cross 5% indication; staff appeals and offers self-funded option
Summary
District staff reported a 5% renewal indication from Blue Cross for the fully insured commercial group plan. Staff appealed underwriting over premium-funding and a Humira exclusion and proposed a self-funded alternative requiring a $3 million seed reserve; final action deferred to Oct. 9.
ST. MARY PARISH, La. — The St. Mary Parish School Board did not take final action Sept. 11 on the district's fully insured commercial group health plan renewal after benefits staff reported a 5% renewal indication from Blue Cross and said an appeal to underwriting is pending.
Mr. Perez, a district staff member presenting the renewal, said the carrier's 5% renewal would increase annual premiums by about $662,000 if accepted as indicated. "The renewal indication we received from Blue Cross is a 5% increase effective 01/01/2026. That amounts to about $662,000 in increased premiums," Mr. Perez said.
What staff reported and why they appealed
- Loss ratios and trends: For August the plan produced a favorable month; year-to-date the simple loss ratio was 85.2%, and when adjusted for expenses the presenter said it is under 94%.
- Dr…
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