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DeKalb County approves new benefits contracts to rein in a projected 28% health renewal; selects PHP/Companion Life and Lincoln
Summary
After hearing that the incumbent stop-loss renewal would raise the county's liabilities by roughly 28%, commissioners approved moving medical administration to PHP with Companion Life (150k specific deductible) and shifting ancillary lines to Lincoln, directing implementation work to begin immediately.
DeKalb County commissioners voted on May 25 to change vendors for major pieces of the county's employee benefits program after consultants presented competitive market quotes that substantially undercut the incumbent renewal.
Benefits consultants told the board the incumbent renewal (Surest/UnitedHealthcare stop-loss) came back with a projected overall increase of roughly 28% on fixed and maximum liabilities; consultants said that renewal would have increased the county's all-in worst-case exposure by more than $1.1 million. The consultant presentation pointed to large increases on both the specific and aggregate stop‑loss lines and said that change drove the need to test the market.
Consultants identified an…
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