1. No category

STATE OF NEVADA
PUBLIC EMPLOYEES’ BENEFITS PROGRAM
901 S. Stewart Street, Suite 1001
Carson City, Nevada 89701
Telephone (775) 684-7000 · (800) 326-5496
BRIAN SANDOVAL
Governor
Fax (775) 684-7028
www.pebp.state.nv.us
KATERI CARRAHER
LEO M. DROZDOFF, P.E.
Interim Executive Officer
Board Chairman
THIRD AMENDED MEETING NOTICE AND AGENDA
LAS VEGAS LOCATION CHANGE
Name of Organization:
Public Employees’ Benefits Program Board
Date and Time of Meeting:
March 26, 2015
Place of Meeting:
Richard Bryan Building
Public Employees’ Benefits Program
901 S. Stewart Street
Board Room # 1002
Carson City, Nevada 89701
Video Conferencing:
University of Nevada Las Vegas Campus
Carol C. Harter Classroom Building Complex- CBC
Room B-117
Las Vegas NV 89119
http://www.unlv.edu/assets/maps/flash/main.html
Map-use Harmon Ave to campus. Metered parking
available.
9:00 am
AGENDA
1. Open Meeting; Roll Call
2. Public Comment
Public comment will be taken during this agenda item. No action may be taken on any matter
raised under this item unless the matter is included on a future agenda as an item on which
action may be taken. Comments will be limited to three minutes per person. Persons making
comment need to state and spell their name for the record at the beginning of their testimony
3. Discussion and possible action regarding the adoption of a Medical Trend inflation rate for
the Consumer Driven Health Plan. (CDHP) (Kirby Bosley and Stephanie Messier AON
Hewitt) (For Possible Action)
Public Employees’ Benefits Program Board
Thursday, March 26, 2015
Agenda – Page 2
4. Discussion and possible action regarding approval of the Plan Year 2016 rates, state
subsidies, contributions to HSAs or HRAs and participant contributions effective July 1,
2015 through June 30, 2016: (Roger Rahming, Operations Officer and Celestena Glover,
Chief Financial Officer) (For Possible Action)
5. Discussion and possible action, including direction to staff to explore remedial measures and
setting benchmarks for improvement, regarding customer service issues and website updates
for U.S. Preventive Medicine. (Roger Rahming, Operations Officer) (For Possible Action)
6. Discussion and possible Board position, recommendations and direction to staff regarding
2015 Legislative Bills1 that may impact the Public Employees’ Benefits Program, including
the following: (Kateri Carraher, Interim Executive Officer) (For Possible Action)
* Assembly Bills
* Senate Bills
7. Public Comments:
Public comment will be taken during this agenda item. No action may be taken on any matter
raised under this item unless the matter is included on a future agenda as an item on which
action may be taken. Comments will be limited to three minutes per person. Persons making
comment need to state and spell their name for the record at the beginning of their testimony.
8. Adjournment (For Possible Action)
The supporting material to this agenda, also known as the Board Packet, is available, at no charge, on the PEBP
website at www.pebp.state.nv.us/board.htm (under the Board Packet column and row for the meeting date
referenced above) or by contacting Lori Johnson at the PEBP Office, 901 South Stewart Street, Suite 1001, Carson
City, Nevada, 89701, (775) 684-7000 or (800) 326-5496.
Unless noted as an action item, discussion of any item raised during a report or public comment is limited to that
necessary for clarification or necessary to decide whether to place the item on a future agenda.
Public comment may be limited to three minutes per person at the discretion of the chairperson. Additional
comment periods may be allowed on individual agenda items at the discretion of the chairperson. These comment
periods shall be limited to three minutes per person at the discretion of the chairperson. These additional comment
periods shall be limited to comments relevant to the agenda item under consideration by the Board.
Persons making public comments to the Board will be taken under advisement but will not be answered
during the meeting
1
Current 2015 Legislative Bills that may impact the Public Employees’ Benefits Program (PEBP) are listed under
http://www.pebp.state.nv.us
Due to time constraints inherent in the legislative process, a list of specific bills that PEBP staff will seek direction
from the Board on during the above listed meetings will be posted on the web site http://www.pebp.state.nv.us and
at the locations where the agenda is normally posted by 9:00 a.m. the Monday before the above listed meetings.
Public Employees’ Benefits Program Board
Thursday, March 26, 2015
Agenda – Page 3
All times are approximate. The Board reserves the right to take items in a different order or to combine two or more
agenda items for consideration to accomplish business in the most efficient manner. The Board may remove an item
from the agenda or delay discussion relating to an item on the agenda at any time. The Board reserves the right to
limit Internet broadcasting during portions of the meeting that need to be confidential or closed.
Note: We are pleased to take reasonable efforts to make reasonable accommodations for members of the public who
are disabled and wish to attend the meeting. If special arrangements for the meeting are necessary, please notify the
Public Employee’s Benefits Program in writing, at 901 South Stewart Street, Suite 1001, Carson City, NV 89701, or
call Lori Johnson at (775) 684-7000 or (800) 326-5496, as soon as possible so that reasonable efforts can be made to
accommodate the request.
Copies of both the Public Employees’ Benefits Program (PEBP) Board Meeting Action Minutes and Open Meeting
Minutes in transcript form are available, at no charge, for inspection at the PEBP Office, 901 South Stewart Street,
Suite 1001, Carson City, Nevada, 89701 or on the PEBP web site at www.pebp.state.nv.us. For additional
information, contact Lori Johnson at (775) 684-7000 or (800) 326-5496.
Notice of this meeting was posted on or before 9:00 a.m. on the third working day before the meeting at the
following locations: NEVADA STATE LIBRARY & ARCHIVE,100 N. Stewart St, Carson City, BLASDEL
BUILDING, 209 East Musser Street, Carson City; PUBLIC EMPLOYEES’ BENEFITS PROGRAM, 901 South
Stewart Street, Suite 1001, Carson City; THE GRANT SAWYER STATE OFFICE BUILDING, 555 East
Washington Avenue, Las Vegas, THE LEGISLATIVE BUILDING, 401 South Carson Street, Carson City, and on
the PEBP web site at www.pebp.state.nv.us. also posted to the public notice website for meetings
http://www.leg.state.nv.us/App/Notice; https://notice.nv.gov when applicable. In addition, the agenda was mailed to
groups and individuals as requested
1.
1.
Open Meeting; Roll Call
2.
2. Public Comment
Public comment will be taken during this agenda item. No
action may be taken on any matter raised under this item
unless the matter is included on a future agenda as an item
on which action may be taken. Comments will be limited
to three minutes per person. Persons making comment
need to state and spell their name for the record at the
beginning of their testimony.
3.
3. Discussion and possible action regarding the adoption
of a Medical Trend inflation rate for the Consumer Driven
Health Plan. (CDHP) (Kirby Bosley and Stephanie Messier
AON Hewitt) (For Possible Action)
State of Nevada
Public Employees’ Benefits Program
Rate Card Development
March 26th, 2015
Stephanie Messier, ASA, MAAA
Assistant Vice President
Stephen Caulk, FSA, MAAA
Vice President
Agenda
Rate Card Development
– Medical and Pharmacy Emerging Experience
– Nevada vs National Experience Trend Indices
– Renewal Rate Build Up
• State
• Non-State
– Considerations for PY 2017 and Beyond
Consulting | U.S. Health & Benefits
Proprietary & Confidential | 05/01/2014
Medical and Pharmacy Emerging Experience
Presented in January:
Medical and Rx
10%
6/6
PY2016 Trend
Projection
12/12
5%
0%
-5%
Med/Rx 3-7%
-10%
Dental 3-5%
-15%
Jul-12
Oct-12
Jan-13
Apr-13
Jul-13
Oct-13
Jan-14
Apr-14
Jul-14
As recently as November 2014, PEBP’s 12/12 combined Medical and Pharmacy
trend was 7.1%, in January 2015 it was 3.4%
10%
PY2016 Trend
Proposed (State)*
Medical and Rx
6/6
12/12
5%
Medical 5%
0%
Pharmacy 15%
-5%
Dental 2%
-10%
*Non-State Med/Rx varies
from State
-15%
Jul-12
Oct-12
Aon Hewitt | U. S. Health & Benefits
Proprietary & Confidential
Jan-13
Apr-13
Jul-13
Oct-13
Jan-14
Apr-14
Jul-14
Oct-14
Jan-15
3
Updated Experience – Nevada versus National
Overall, Nevada’s experience in the last two quarters is moving into a new period
of volatility, dipping below the National average
Aon Hewitt | U. S. Health & Benefits
Proprietary & Confidential
4
Renewal Rate Build Up – State
Medical
Prior
Current
Current Subscribers
Beginning of Incurral Period
End of Incurral Period
Incurred Claims
Incurred Medical Claims PEPM
Impact to Excess Reserves
Aon Hewitt | U. S. Health & Benefits
Proprietary & Confidential
Prior
Current
19,211
31,576
2/1/2014
2/1/2013
2/1/2014
1/1/2013
1/1/2014
1/31/2015
1/31/2014
1/31/2015
12/31/2013
12/31/2014
$21,092,776 $18,556,375
$19,288,423
$90,257,408
$96,242,441 $16,599,201
$425.56
$432.36
$78.27
$94.76
$51.41
$51.98
1.6%
21.1%
1.1%
5.0%
15.0%
2.0%
$478.82
$463.31
$109.71
$115.51
$54.02
$53.54
50%
50%
50%
50%
33%
67%
1.005
Expected Claims PY 2016 ($1,500 Deductible)
Continue Plan Subsidy (price as if $1,900 Deductible)
Current
2/1/2013
Expected Claims PY 2016 ($1,500 Deductible)
Adj. for Additional Transgender Benefits
Dental
1/31/2014
(12/12 Experience Trend)
Claim Period Weighing
Prior
19,211
Pricing Trend
Trended Adjusted Medical Claims
Rx
-2.4%
$
471.06
$
473.42
$
473.42
6.0%
($2.5 M)
1.005
-2.4%
$
112.61
$
113.17
$
113.17
44.5%
($0.6 M)
5
1.000
-11.1%
$
53.70
$
53.70
$
53.70
2.5%
($2.2 M)
Renewal Rate Build Up – Non-State
Medical
Prior
Current Subscribers
Beginning of Incurral Period
End of Incurral Period
Incurred Claims
Incurred Medical Claims PEPM
Dental
Current
Prior
Current
1,206
5,538
2/1/2013
2/1/2014
2/1/2013
2/1/2014
1/1/2013
1/1/2014
1/31/2014
1/31/2015
1/31/2014
1/31/2015
12/31/2013
12/31/2014
$12,038,582
$9,804,636
$3,821,071
$2,578,216
$2,895,530
$2,793,687
$570.06
$609.48
$180.94
$160.27
$40.61
$41.32
(12/12 Experience Trend)
Claim Period Weighing
Prior
1,206
Pricing Trend
Trended Adjusted Medical Claims
Rx
Current
6.9%
-11.4%
1.7%
7.0%
10.0%
2.0%
$671.33
$670.79
$227.81
$183.44
$42.67
$42.56
50%
50%
50%
50%
33%
67%
Expected Claims PY 2016 ($1,500 Deductible)
$
671.06
$
205.62
$
42.60
Adj. for Additional Transgender Benefits
1.005
$
674.41
1.005
$
206.65
1.000
$
42.60
Expected Claims PY 2016 ($1,500 Deductible)
0.976
$
658.11
0.976
$
201.66
0.889
$
37.89
Continue Plan Subsidy (price as if $1,900 Deductible)
-2.4%
Impact to Excess Reserves
Aon Hewitt | U. S. Health & Benefits
Proprietary & Confidential
6.0%
($0.3 M)
-2.4%
18.7%
($0.1 M)
6
-11.1%
7.0%
($0.3 M)
PY 2015-2017 Rates (State and Non-State Combined)
•
•
•
The PY 2015 rates have been subsidized through the reserves through both plan design
changes and premium decrements
The table below is an illustration of where rates are today, what we recommend for PY
2016 and where we believe PY 2017 is headed
Note that at this time next year, if the reserves are exhausted and trends run as expected,
PEBP will be faced with a 10+% renewal action for PY 2017 if they want to keep the
current plan designs for their members, any decrease from the recommendation action
today of 10.8% will only further increase that needed rate action in PY 2017
State and Non-State
PY 2015 $1,500 Plan Design
PY 2015 Subsidized $1,500 Plan Design
PY 2015 Subsidized Rate
Medical
$479
$467
$448
Medical
PY 2016 $1,500 Plan Design
PY 2016 Subsidized $1,500 Plan Design
Projected 2017 (w/o leveraging)
PY 2017 $1,500 Plan Design
PY 2017 Subsidized $1,500 Plan Design
Rx
$89
$87
$83
Rx
$487
$475
Medical
$516
$504
Dental
$59
$52
$45
Dental
$119
$117
Rx
$134
$131
$627
$607
$576
$53
$47
$658
$638
14.3%
10.8%
Increase to
PY16 Rate
Total
$703
$681
Rates in force today
If adopt recommendations
Aon Hewitt | U. S. Health & Benefits
Proprietary & Confidential
8.8%
5.3%
Increase to
PY15 Rate
Total
$52
$46
Dental
Relative to
PY15 Rate
Total
7
10.2%
6.8%
4.
4. Discussion and possible action regarding approval of
the Plan Year 2016 rates, state subsidies, contributions to
HSAs or HRAs and participant contributions effective July
1, 2015 through June 30, 2016: (Roger Rahming,
Operations Officer and Celestena Glover, Chief Financial
Officer) (For Possible Action)
We’re in it together
Plan Year 2016 Rates
and Plan Design
March 26, 2015
March 26, 2015
1
We’re in it together
Topics
• Background:






Rate Components
Rate Structure
Enrollment Assumptions
Subsidy Policy
Plan Design Overview
HSA/HRA Contributions
• Excess Reserve Projection
March 26, 2015
2
We’re in it together
Topics
• Previous Board Commitments
 Additional HSA/HRA contributions
 Plan Design Enhancements
• HMO Rates
• CDHP Trend
• Final Rate Card Approval
March 26, 2015
3
We’re in it together
Rate Components
• Base rates – cover CDHP claims or HMO premiums
 “Break-even” rates
 “Loaded” for Administrative Costs
• HSA/HRA contributions
March 26, 2015
4
We’re in it together
Rate Components (Continued)
• Participant Subsidization components
 Base plan participant subsidization percentage
 Differential subsidy from the CDHP to the HMOs
 Differential subsidy from participant to dependents
• Appendix A shows rates for the CDHP at Aon’s
proposed trend (5% medical 15% RX) and HMO
plans with their current benefits compared to PY
2015 rates.
 For illustrative purposes only
 Final rate tables will be produced for Board review after plan and
rate decisions are made
March 26, 2015
5
We’re in it together
Rate Structure
• Effective for PY 2012 (7/1/11)
 Participant Only = $X
 Participant + Spouse = $2X
 Participant + Child(ren) = $X +$Y
 Participant + Family = $2X +$Y
 $X = Average cost of an Adult
 $Y = Average composite cost of Children
March 26, 2015
6
We’re in it together
Enrollment Assumptions
• Average enrollment based on past 48 months plus
any known changes
 Increase in Number of State Employee Positions
 No new non-state retirees (SB 544 (2007))
 Average monthly decrease of 30 non-state non-Medicare retirees
with average of 15 added to Medicare Exchange
• No significant migration to/from HMO/CDHP
• No significant changes to dependents of nonExchange Medicare aged retirees
• Used to allocate fixed expenses
March 26, 2015
7
We’re in it together
Enrollment Projections
FY 2014
(Actual)
FY 2015
FY 2016
FY 2017
23,582
23,852
24,375
25,132
Early Retirees
3,865
3,845
3,917
3,893
Medicare Retirees
5,272
5,329
5,925
6,173
32,719
33,026
34,217
35,198
14
14
12
12
Early Retirees
2,980
2,796
1,951
1,411
Medicare Retirees
4,753
4,787
5,118
5,316
7,746
7,597
7,081
6,739
40,465
40,623
41,298
41,937
0.39%
0.72%
1.55%
State
Actives
Non-State
Actives
Total
Increase
March 26, 2015
8
We’re in it together
Subsidy Policy
• Board policy establishes:
 Standardized differential for dependents and plans
 Single blended “statewide” HMO rate
Active
Retiree
Base Plan
All Other Plans
93%
78%
64%
49%
Base Plan
All Other Plans
73%
58%
44%
29%
Primary
Dependent
• Participant choice between lower premiums with
higher out of pocket costs (PPO Plan) or higher
premiums with lower out of pocket costs (HMO)
March 26, 2015
9
We’re in it together
Plan Design Changes Approved by the PEBP Board
On November 21, 2013, the PEBP Board approved the following plan design
changes effective July 1, 2014:
1. For the Consumer Driven Health Plan, lowered the deductible from
$1,900 for an individual and $3,800 for a family to $1,500 individual and
$3,000 family.
2. For the Consumer Driven Health Plan, an increase in the amount of coinsurance paid by the plan from 75% to 80% after the deductible is met.
3. For the Consumer Driven Health Plan, added one annual vision
examination per individual paid at 100% not subject to deductible or
co-insurance.
4. For the dental plan, increased the annual maximum benefit per
member from $1,000 to $1,500.
March 26, 2015
10
We’re in it together
HSA/HRA Contributions
• Base
 $700 for Primary Participant
 $200 for each dependent to a maximum of 3
• Base HSA/HRA contribution table for PY 2016
State Employee
State Retiree
Non-State Employee
Non-State Retiree
Total
CDHP HSA
CDHP HRA
Exchange HRA
$10.7
$3.5
$0.0
$0.0
$1.9
$13.6
$0.0
$0.0
$0.0
$0.0
$0.5
$12.2
$10.7
$5.9
$25.8
Total
$14.2
$15.5
$0.0
$12.7
$42.4
($ in millions)
March 26, 2015
11
We’re in it together
Reserve Assumptions
Projected Balance Available as of
June 30, 2015
Reserves:
$ 141,488,448
Less Reserves for Known Liabilities:
IBNR
(29,600,000)
Catastrophic Reserve
(23,700,000)
HRA Reserve
(26,698,341)
Affordable Care Act Taxes
Reserves in Excess of those required to fund known
liabilities:
March 26, 2015
(1,684,242)
$ 59,805,865
12
We’re in it together
PEBP Board Commitments
Available Reserve
$59,805,865
Additional Medicare HRA Contributions
(4,544,548)
Additional $400 HSA/HRA contribution per Primary CDHP
Participant
(7,610,400)
Additional $100 HSA/HRA contribution per CDHP Dependent
(1,369,200)
Wellness Incentives
(7,342,800)
Part B Premium Credits
(1,060,000)
Increasing CDHP Co-Insurance to 80%
(1,543,970)
Increasing Dental Maximum to $1,500
(3,270,120)
Adding CDHP annual vision exam
(1,308,100)
Reducing CDHP deductible to $1,500/$3,000
(2,123,860)
Amount Remaining Available:
March 26, 2015
$ 29,632,867
13
We’re in it together
HMO Rate Blending
• Current Method
 Individual Premiums
 Weighted by projected Enrollment by Tier
 Combined Single Rate
March 26, 2015
14
We’re in it together
HMO Rates
Plan Year 2016
Rates
State
HHP
HPN
Blended
$832.99
$472.21
$698.91
Participant + Spouse
$1,665.98
$944.42
$1,397.82
Participant + Children
$1,082.89
$826.36
$1,021.53
Participant + Family
$1,915.89
$1,298.09
$1,720.44
HHP
HPN
Blended
$947.46
$547.35
$747.04
Participant + Spouse
$1,894.92
$1,094.70
$1,494.08
Participant + Children
$1,231.69
$957.86
$1,125.69
Participant + Family
$2,179.17
$1,505.21
$1,872.73
Participant Only
Non-State
Participant Only
March 26, 2015
15
We’re in it together
Consumer Driven Health Plan Trend
Plan Type
Trend Increase
Medical
RX
Dental
5.0%
15.0%
2.0%
Rates
State
Participant Only
Participant + Spouse
Participant + Children
Participant + Family
Change from Current
Non-State
Participant Only
Participant + Spouse
Participant + Children
Participant + Family
Change from Current
March 26, 2015
Current
$417.38
$834.78
$562.47
$979.86
Current
$772.62
$1,545.24
$1,430.61
$2,203.23
Renewal
$463.29
$926.58
$623.14
$1,086.43
10.9%
Renewal
$839.57
$1,679.14
$1,554.70
$2,394.27
8.7%
16
We’re in it together
Board Actions
• Does the Board wish to approve the rates as
presented?
March 26, 2015
17
We’re in it together
March 26, 2015
18
We’re in it together
Final Board Approval
• Rate Cards





Total Rates
State Subsidies
Participant Contributions
Years of Service Adjustments
COBRA Participants assessed 102% of normal rates
• Allow staff to make technical corrections as
necessary for:
 Rate tables, including Domestic Partner and COBRA
 AEGIS and REGI distributions
March 26, 2015
19
Appendix A
Total Rates
2016 Base
Rates with
Existing HMO Increase/
2015 Rates
Blending
(Decrease)
% Change
CDHP PPO Plan
Total Rates
% Change
Northern HMO Plan (Hometown Health)
State Active Employees
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
560.80
994.87
734.23
1,167.46
623.67
1,103.63
811.86
1,290.98
62.87
108.76
77.63
123.52
11.21%
10.93%
10.57%
10.58%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
543.91
977.98
711.84
1,150.57
543.91
711.84
605.76
1,085.72
790.60
1,273.07
605.76
790.60
61.85
107.74
78.76
122.50
61.85
78.76
11.37%
11.02%
11.06%
10.65%
11.37%
11.06%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
Employee + Spouse/DP
Employee + Child(ren)
Employee + Family
999.95
1,856.19
1,743.42
2,598.82
83.90
150.86
141.05
208.00
9.16%
8.85%
8.80%
8.70%
Employee Only
Employee + Spouse/DP
Employee + Child(ren)
Employee + Family
Non-State Retirees
Non-Medicare
Retiree only
Retiree + Spouse/DP
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse/DP
Surviving/Unsubsidized Spouse/DP + Child(ren)
State Active Employees
720.12
1,383.30
1,026.88
1,690.06
771.21
1,469.83
1,093.61
1,792.23
51.09
86.53
66.73
102.17
7.09%
6.26%
6.50%
6.05%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
703.23
1,366.41
1,009.99
1,673.17
703.23
1,009.99
753.30
1,451.92
1,075.70
1,774.32
753.30
1,075.70
50.07
85.51
65.71
101.15
50.07
65.71
7.12%
6.26%
6.51%
6.05%
7.12%
6.51%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
982.04
1,838.28
1,725.51
2,580.91
982.04
1,725.51
82.88
149.84
140.03
206.98
82.88
140.03
9.22%
8.87%
8.83%
8.72%
9.22%
8.83%
Retiree only
Retiree + Spouse/DP
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse/DP
Surviving/Unsubsidized Spouse/DP + Child(ren)
771.21
1,469.83
1,093.61
1,792.23
51.09
86.53
66.73
102.17
7.09%
6.26%
6.50%
6.05%
703.23
1,366.41
1,009.99
1,673.17
703.23
1,009.99
753.30
1,451.92
1,075.70
1,774.32
753.30
1,075.70
50.07
85.51
65.71
101.15
50.07
65.71
7.12%
6.26%
6.51%
6.05%
7.12%
6.51%
750.06
1,443.18
1,102.14
1,795.26
819.33
1,566.07
1,197.81
1,944.55
69.27
122.89
95.67
149.29
9.24%
8.52%
8.68%
8.32%
733.17
1,426.29
1,085.25
1,778.37
733.17
1,085.25
801.42
1,548.16
1,179.90
1,926.64
801.42
1,179.90
68.25
121.87
94.65
148.27
68.25
94.65
9.31%
8.54%
8.72%
8.34%
9.31%
8.72%
Non-State Active Employees
750.06
1,443.18
1,102.14
1,795.26
819.33
1,566.07
1,197.81
1,944.55
69.27
122.89
95.67
149.29
9.24%
8.52%
8.68%
8.32%
Employee Only
Employee + Spouse/DP
Employee + Child(ren)
Employee + Family
Non-State Retirees
Non-Medicare
899.16
1,688.44
1,585.48
2,373.93
899.16
1,585.48
720.12
1,383.30
1,026.88
1,690.06
State Retirees
Non-Medicare
Non-State Active Employees
916.05
1,705.33
1,602.37
2,390.82
2015
Rates
2016 Base
Rates with
Existing
HMO
Increase/
Blending (Decrease) % Change
Southern HMO Plan (HPN)
State Retirees
Non-Medicare
Non-State Active Employees
Employee Only
Total Rates
State Active Employees
State Retirees
Non-Medicare
Page 1
2015
Rates
2016 Base
Rates with
Existing
HMO
Increase/
Blending (Decrease)
Non-State Retirees
Non-Medicare
733.17
1,426.29
1,085.25
1,778.37
733.17
1,085.25
801.42
1,548.16
1,179.90
1,926.64
801.42
1,179.90
68.25
121.87
94.65
148.27
68.25
94.65
9.31%
8.54%
8.72%
8.34%
9.31%
8.72%
Retiree only
Retiree + Spouse/DP
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse/DP
Surviving/Unsubsidized Spouse/DP + Child(ren)
Appendix A
Subsidies
2016 Base
Rates with
Existing HMO Increase/
2015 Rates
Blending
(Decrease)
% Change
CDHP PPO Plan
Subsidies
% Change
Nortern HMO Plan (Hometown Health)
State Active Employees
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
521.54
838.42
648.15
964.41
580.01
930.39
717.39
1,067.15
58.47
91.97
69.24
102.74
11.21%
10.97%
10.68%
10.65%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
Subsidies
State Active Employees
561.69
946.34
739.61
1,124.26
601.54
1,006.74
788.54
1,193.74
39.85
60.40
48.93
69.48
7.09%
6.38%
6.62%
6.18%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
State Retirees
Non-Medicare
348.10
539.09
421.99
615.03
-
387.69
598.87
469.02
681.30
-
39.59
59.78
47.03
66.27
-
11.37%
11.09%
11.14%
10.78%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
2015
Rates
2016 Base
Rates with
Existing Increase/
HMO
(Decrease
Blending
)
% Change
Southern HMO Plan (HPN)
State Active Employees
State Retirees
Non-Medicare
Page 2
2015
Rates
2016 Base
Rates with
Existing
HMO
Increase/
Blending (Decrease)
561.69
946.34
739.61
1,124.26
601.54
1,006.74
788.54
1,193.74
39.85
60.40
48.93
69.48
7.09%
6.38%
6.62%
6.18%
344.58
536.90
433.54
625.87
-
369.12
571.72
462.61
665.21
-
24.54
34.82
29.07
39.34
-
7.12%
6.49%
6.71%
6.29%
State Retirees
Non-Medicare
344.58
536.90
433.54
625.87
-
369.12
571.72
462.61
665.21
-
24.54
34.82
29.07
39.34
-
7.12%
6.49%
6.71%
6.29%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
Appendix A
Participant
Contributions
2016 Base
Rates with
Existing HMO Increase/
2015 Rates
Blending
(Decrease)
% Change
CDHP PPO Plan
Participant
Contributions
Increase/
(Decrease)
% Change
Northern HMO Plan (Hometown Health)
State Active Employees
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
Participant
Contributions
39.26
156.45
86.08
203.05
43.66
173.24
94.47
223.83
4.40
16.79
8.39
20.78
11.21%
10.73%
9.75%
10.23%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
218.07
486.85
321.58
591.77
605.76
790.60
22.26
47.96
31.73
56.23
61.85
78.76
11.37%
10.93%
10.95%
10.50%
11.37%
11.06%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
Increase/
(Decrease)
158.43
436.96
287.27
565.80
169.67
463.09
305.07
598.49
11.24
26.13
17.80
32.69
7.09%
5.98%
6.20%
5.78%
358.65
829.51
576.45
1,047.30
703.23
1,009.99
384.18
880.20
613.09
1,109.11
753.30
1,075.70
25.53
50.69
36.64
61.81
50.07
65.71
7.12%
6.11%
6.36%
5.90%
7.12%
6.51%
% Change
State Active Employees
158.43
436.96
287.27
565.80
169.67
463.09
305.07
598.49
11.24
26.13
17.80
32.69
7.09%
5.98%
6.20%
5.78%
Employee Only
Employee + Spouse
Employee + Child(ren)
Employee + Family
State Retirees
Non-Medicare
195.81
438.89
289.85
535.54
543.91
711.84
2015 Rates
2016 Base
Rates with
Existing
HMO
Blending
Southern HMO Plan (HPN)
State Active Employees
State Retirees
Non-Medicare
Page 3
2015 Rates
2016 Base
Rates with
Existing
HMO
Blending
State Retirees
Non-Medicare
358.65
829.51
576.45
1,047.30
703.23
1,009.99
384.18
880.20
613.09
1,109.11
753.30
1,075.70
25.53
50.69
36.64
61.81
50.07
65.71
7.12%
6.11%
6.36%
5.90%
7.12%
6.51%
Retiree only
Retiree + Spouse
Retiree + Child(ren)
Retiree + Family
Surviving/Unsubsidized Spouse
Surviving/Unsubsidized Spouse + Child(ren)
5.
5. Discussion and possible action, including direction to
staff to explore remedial measures and setting benchmarks
for improvement, regarding customer service issues and
website updates for U.S. Preventive Medicine. (Roger
Rahming, Operations Officer) (For Possible Action)
STATE OF NEVADA
PUBLIC EMPLOYEES’ BENEFITS PROGRAM
901 S. Stewart Street, Suite 1001
Carson City, Nevada 89701
Telephone (775) 684-7000 · (800) 326-5496
BRIAN SANDOVAL
Governor
Fax (775) 684-7028
www.pebp.state.nv.us
KATERI CARRAHER
LEO M. DROZDOFF, P.E.
Interim Executive Officer
Board Chairman
AGENDA ITEM
X Action Item
Information Only
Date:
March 26, 2015
Item Number:
5
Title:
Discussion and possible action, including direction to staff to explore
remedial measures and setting benchmarks for improvement, regarding
customer service issues and website updates for U.S. Preventive
Medicine (USPM).
Summary
This item addresses numerous concerns addressed to the PEBP Board by PEBP participants
regarding issues with the PEBP NVision Health and Wellness website hosted by USPM and
customer service issues that have been brought to staff’s attention.
Report
Staff has provided in Attachment A to this report a summary of the most recent complaints
addressed to the PEBP Board. While each complaint addresses an issue unique to the individual
participant, the common denominator is website functionality.
Staff has forwarded these issues as well as others to USPM and has not received a satisfactory
response. At this time, staff is not confident that any of the more recent issues will be addressed
in a timely manner by USPM during the 2015 NVision Health and Wellness enrollment period
(February 16, 2015 - May 31, 2015).
Representatives from USPM will attend the March 26, 2015 PEBP Board meeting and will be
prepared to address any questions the Board may have regarding issues such as the following:
 System fixes to include timelines for correction.
 Corrective action plan for addressing each of the concerns brought to the attention of the
PEBP Board by PEBP participants.
Recommendations
Provide staff with direction regarding any actions the Board deems reasonable to address issues
with USPM regarding the NVision Health and Wellness Program.
ATTACHMENT A
USPM Summary of Issues/Complaints
1. Website keeps freezing, timing out and going blank while participants are attempting to
enter information for the HAQ. Participants are extremely frustrated that the website was
not tested prior to email notifications going out about the program and as a result they are
wasting a lot of time on a non-functioning website.
2. Participant profiles on the USPM website do not show previous years’ information (e.g.
biometric screenings, challenge completion, meal tracking information, etc.)
3. If participants cannot log into their account because the website keeps crashing, they are
unable to obtain an online laboratory order.
4. Participants are unable to enter their dental and physical examination information into
their USPM account. Instructions for this process are not provided by USPM.
5. Biometric screening results are not loading into participant profiles in a timely manner.
6. One part of the three part HAQ asks questions regarding Workplace Environment; this is
not applicable to retirees who participate in the Wellness Program.
7. After completing the HAQ, suggested online tutorials pop-up that have nothing to do
with the individual’s health. The suggested online tutorials are not customized.
8. Reminders regarding the date the participant should have their next physical examination
are not sent until one year after the last physical examination (for participants who
participated in previous years). Participants may have already had their physical and
based on this reminder email they are unsure if they have to get a second physical
examination.
9. Participants have tried to confirm that they met all of the requirements for this year’s
wellness incentive and USPM representatives are unable to answers their questions. The
concern is the premium incentive repayment.
6.
6. Discussion and possible Board position,
recommendations and direction to staff regarding 2015
Legislative Bills that may impact the Public Employees’
Benefits Program, including the following: (Kateri
Carraher, Interim Executive Officer) (For Possible Action)
* Assembly Bills
* Senate Bills
7.
7. Public Comments:
Public comment will be taken during this agenda item. No
action may be taken on any matter raised under this item
unless the matter is included on a future agenda as an item
on which action may be taken. Comments will be limited to
three minutes per person. Persons making comment need to
state and spell their name for the record at the beginning of
their testimony.
8.
8.
Adjournment (For Possible Action)