Human Resources Benefits Team. RMIP Update
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1 Human Resources Benefits Team RMIP Update HRSTC November 1, 2012
2 Agenda RMIP Changes Implemented July 1, 2012 Contract Administration and Quality Assurance 2013 RMIP Changes RMIP Financial Summary 2013 RMIP Premiums Questions 2
3 RMIP Changes Implemented July 1, 2012 Changes: Elimination of Medicare Part B discount Reduction of Medicare Part A discount to $0 Full reimbursement of Medicare Part B premium, including: Standard Medicare Part B premium Income Related Monthly Adjustment Amount (IRMAA) Elimination of Medicare Savings (effective January 1, 2013) Implementation: Standard Medicare B premium reimbursement (July 2012) Process for IRMAA reimbursement in development more information on process coming soon Retiree Plan 1 clams will continue Coordination of Benefit with Medicare, but the annual Medicare Savings will no longer apply to medical claims as of January 1,
4 Contract Administration/Quality Assurance Quarterly performance review meetings with all vendors Weekly performance statistics from Aetna Bi-weekly conference calls to discuss member and administrative issues (Aetna and Medco/Express Scripts) Benchmarking studies Aetna/Vanbreda claim processing audit completed in 2012 Medco/Express Scripts post-implementation audit planned Member surveys 4
5 RMIP Plan Changes for 2013 Increase physical/occupational/speech therapy benefits to 60 visits per member per condition per calendar year without review for medical necessity. Visits in excess of 60 will be reviewed for medical necessity. Should alleviate member issues with physical therapy benefits. Expand in-network preventive services paid at 100%: Mainly address pre-natal care and post-delivery services and birth control Also includes screening and counseling services for interpersonal and domestic violence Consistent with U.S. health care reform requirements 5
6 Plan Participation & Contributions Plan Participation Per. Inc to Avg. Number of Retirees 5,209 5,485 5, % Avg. Number of Participants Contributions 9,370 9,795 10, % Contribution Source 2011 Contributions in Millions Retiree Contributions $15.5 Bank Group Contributions $44.4 Continuation, Direct Billing & Long-Term Disability $1.4 Retiree Drug Subsidy (RDS) $2.1 Early Retirement Reinsurance Program (ERRP) $2.0 Total Contributions $65.4 6
7 Summary of 2011 RMIP Medical Plan Expenses in million USD Allowed Amount 1 Medicare Reimbur. Rebates Deductibles, Co- Payments & Coinsurance Total Expenses after Medicare Claims Medical Claims $59.3 $12.9 $7.7 $38.7 Dental Claims $8.9 $2.6 $6.4 Prescription Drugs Claims $19.4 $1.0 $2.9 $15.6 Total Claims $87.6 $12.9 $1.0 $13.1 $60.7 Admin. Fees $3.3 $3.3 Total Cost Incl. Fees $90.9 $12.9 $1.0 $13.1 $63.9 Retiree Portion- Coordination of Benefits Savings $3.8 Total Medicare $ Expenses before Medicare, Rebates, Deductibles, Co-pays, and Coinsurance 2. Numbers may not add up due to rounding ($0.1) 7
8 Health Care Cost Trends Medical Plan Trends * U.S. Medical Plans Average Active Employees 6% 6% 7% 8% 6% 7% Retirees under age 65 6% 6% 6% 9% 6% 7% Retirees age 65 and older 7% 4% 4% 7% 4% 5% Combined 6% 6% 7% 8% 5% 6% Bank Group Medical Plans Average Bank Active Employees 0.0% 0.0% 5.0% 13.25% 3.1% 5% Bank Group Retirees 7.5% 0.0% 0.0% 5.0% 3.1% 3% * Source Towers Watson 2012 Health Care Cost Survey 8
9 RMIP 2013 Contributions Overall premium increase of 5% Contributions determined separately from active MIP For individual coverage, increase ranges from $2.00 to $9.00 per month For dual coverage, increase ranges from $4.00 to $19.00 per month For family coverage, increase ranges from $5.00 to $23.00 per month Savings achieved through new prescription drug contract, Early Retirement Reinsurance Program and Medicare Retiree Drug Subsidy provided lower premium increase 9
10 RMIP 2013 Contributions (continued) New Premiums - Effective January 1, 2013 Increase The following premium schedule applies to retiree contributions to the Retiree MIP. Each amount is monthly. The schedule is effective January 1, % Individual Dual (retiree with 1 dependent) Family (retiree with 2+ dependents) Contribution Bracket A B C D A B C D A B C D Contribution Base Up to $19,999 $20,000 to $39,999 $40,000 to $59,999 $60,000 or over Up to $19,999 $20,000 to $39,999 $40,000 to $59,999 $60,000 or over Up to $19,999 $20,000 to $39,999 $40,000 to $59,999 $60,000 or over Plan 1 Premium $45 $91 $142 $198 $91 $181 $288 $393 $112 $226 $358 $492 Plan 2 Premium Retiree Plan 2 premiums are computed individually for each retiree based on the unsubsidized cost (see Plan 2 Continuation costs below), a 4% per year pension service subsidy, and an early retirement reduction based on age at retirement. Plan 1 Continuation $565 $1,130 $1,412 Plan 2 Continuation $480 $959 $1,199 Plan1/Plan 2 cost difference $85 $171 $213 10
11 Questions?
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