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County officials defend self-funded health plan and highlight savings from clinic and PT partnerships
Summary
Human Resources Director Tony Hoefelder told the board the county's self-funded plan remains preferable to full insurance, reported 2024 losses offset by transfers, and described partnerships—Reform Medicine and Doctors of PT—that produced cost savings and member engagement; he also flagged administrative issues with Aletheus care navigation.
Human Resources Director Tony Hoefelder gave the Chippewa County Board a detailed update on the county’s self-funded health insurance program, saying the county has changed stop-loss carriers, tracked high-cost claimants, and used alternative care partnerships to restrain costs.
Hoefelder said the county moved from a captive stop-loss arrangement to a traditional stop-loss carrier, QBE, and that the change helped lower the county’s renewal from a broker estimate of 15.5% to about 15% in 2025. He reviewed fund-balance history: the county opened self-funding with about $1.4 million in reserve and built it up thereafter; 2024 showed large claims that reduced the variance, and the county administrator…
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