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Quitman board selects Blue Cross Blue Shield option with gap to limit city cost increases
Summary
After a detailed review of renewal quotes, the board approved Blue Cross Blue Shield option three with a purchased gap plan and moved voluntary life and dental coverage to Principal; staff said the choice limits the city’s year‑over‑year increase while shifting some co‑pays and deductibles to employees.
An insurance representative reviewed renewal options and cost impacts for the city’s employee health benefits. The representative said that if the board made no changes the city could face a larger increase and presented alternatives; the board discussed tradeoffs among higher employee co‑pays, drug deductible changes and out‑of‑pocket maximums. The representative described option three with a purchased gap as a compromise that would reduce the immediate city cost increase while increasing some employee out‑of‑pocket exposure.
After questions and discussion, the board voted to adopt Blue Cross Blue Shield option three with a gap policy for implementation on Feb. 1 and also approved moving group life/dental/voluntary life products to Principal to capture identified cost savings. Staff will proceed with enrollment and employee signups ahead of the enrollment deadline.
