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City review outlines Vienna's high‑deductible plan, HRA structure and broker fees
Summary
The Schwindeman Agency walked the council through Vienna’s medical plan design: a Highmark high‑deductible PPO with a $6,000 individual deductible and an HRA that reduces employee out‑of‑pocket exposure to about $1,750; council asked for historical contribution data and discussed spousal limitations and broker compensation.
Mark Schwindeman of the Schwindeman Agency presented a detailed review of the City of Vienna’s employee benefits and renewal process, saying the agency markets the city’s benefits each year and provides ongoing employee resources.
Schwindeman described the medical coverage as a high‑deductible PPO with Highmark Blue Cross: an individual deductible of $6,000 and a family deductible of $12,000, with an embedded individual limit and a maximum out‑of‑pocket of $9,200 for a single enrollee (double for family). He gave specifics: a $25 office visit copay for primary care and…
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