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Assured Partners presents mostly favorable health plan renewal; council to decide at next meeting
Summary
Assured Partners reported a modest increase in fixed costs for Clarksville's self‑funded medical plan and large year‑to‑date prescription‑cost savings from PBM changes; the insurance committee recommended staying with existing carriers and council will consider action at the next meeting to meet open‑enrollment deadlines.
Assured Partners (presenter Wayne Willis) briefed the council during the April 17 work session on renewal options for Clarksville's employee benefits for the 2026 plan year and recommended maintaining the current carrier structure while noting tradeoffs for some alternatives.
Willis said the fixed‑cost component on one key quote was negotiated to a 2.7% increase on fixed costs, and he projected that, if the town made no plan design changes, the combined effect of fixed costs and expected claims would yield a slight projected decrease in total cost (a projected -1.3% in the presentation). He credited the town's PBM choice with a 23% year‑to‑date reduction in prescription costs and said that this and other strategies had materially improved plan performance. "Overall costs through February are down 23% on your Rx," Willis said.
Willis reviewed dental, vision, life and disability renewals and noted network impacts: a switch to MetLife for dental would match rates but drop about 23 dentists from the current Delta Dental network while adding six others. Council members asked about the administrative burden of changing medical administrators and whether the town should stay with UnitedHealthcare or move to Anthem; Willis said UnitedHealthcare or Anthem were the most viable options and cautioned that Cigna remained problematic for local contracts.
The insurance committee recommended retaining existing carriers and presenting the recommendation for formal action at the next council meeting so open enrollment can proceed in May; the council did not take final action on the renewals during the work session.
