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Board reviews vision, dental guarantees and notes prior LTD employer change
Summary
Staff reviewed multi‑year rate guarantees for vision and dental products and reminded the board that the employer‑paid LTD benefit was recently increased (employer‑paid LTD increased from $240 to $450), with related employee premium effects already addressed.
Tanya Duell reviewed proposed vision and dental premium arrangements, noting the agency negotiates multiyear rate guarantees with fully insured dental and vision carriers. For dental, the negotiated rates include the enhanced TMJ benefit and removal of the deductible for children under 15, and some fully insured carriers' rate guarantees will extend through December 2028.
On life and AD&D, staff reported no employer‑paid premium changes; on long‑term disability (LTD), the board previously authorized an employer‑paid increase from $240 to $450 and staff said that change produces offsetting employee premium changes that were already captured. HCA staff clarified which benefit design and rate elements fall under the board's authority (employee premiums) versus which are employer‑paid benefits set outside the board's authority.
