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District details steep health‑insurance claims; $11 million one‑time transfer last year
Summary
Finance staff said Francis Howell’s self‑insured plan experienced a year of unusually high claims that forced an $11 million transfer from operating funds, raising premiums and prompting a benefits‑structure review ahead of the FY27 budget.
Francis Howell School District officials told the Board of Education on April 16 that a spike in medical and prescription claims last year required an $11 million transfer from operating funds into the district’s self‑insurance account.
Deputy Superintendent Dr. Amy St. John described the district’s self‑insured plan, which uses third‑party administrators (Cigna for medical claims; Express Scripts for pharmacy; Marsh McLennan Agency as broker) and a stop‑loss policy with a $150,000 attachment point. St.…
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