Brentwood staff recommend keeping employee premiums flat while switching stop‑loss vendor

Chair opened the meeting’s consent items and presented a detailed review of the city’s health insurance package, saying the city operates a partially self‑insured plan administered for medical claims by Blue Cross Blue Shield and that prescription benefits are handled separately by MedBin. “It’s a great health plan,” the Chair said, and invited staff to answer questions.

The Chair and staff explained how the city blends specific and aggregate stop‑loss insurance: the current specific attachment point is $85,000 per enrollee, with an aggregate component and a hybrid add‑on of about $150,000 to protect against unusually large cumulative claims. Staff said the targeted stop‑loss structure limits the city’s cash‑flow exposure and that the aggregate attachment point is lower than last year, meaning the plan would reach insurance coverage sooner in the event of high claims.

Staff presented fund…