Health Care PresentationHealth Care Presentation

VTA Representative CouncilVTA Representative Council

January 20, 2009January 20, 2009

VTA Health Cap

District cap provides $4,250,000 to VTA members.

Currently 719 members use money from the cap.

Dental & Vision costs for members are deducted from the cap money.

Unit members’ medical plan choice costs are deducted from the cap.

Any money remaining after unit members are provided for is proportionately distributed to all +1 & +2 plans.

Factors impacting members premiums

Cost of medical, dental, and vision plans.

Members choice of a medical plan.

Number of members in health plans.

Any carryover surplus or debt from previous year.

The Bottom Line

Projected Health costs for 2008-09:

$6,213,736.44

2009 Area Premium Comparisons

Plan Fairfield Napa Travis Vacaville

K + 1 366.60 579.60 590.20 468.93

K + 2 671.58 885.58 1001.13 750.29

BS + 1 471.18 685.14 759.98 (HN) 517.19

BS + 2 807.48 1021.48 1117.90 (HN) 837.45

Caps: Individual Individual Individual Group $650 $436 $400

$4,250,000

Dental & Vision Dental & Vision Dental & Vision Dental & Vision

What if…

We had an individual cap out of the $4,250,000?

Plan Current Individual

K+1 468.93 462.18K+2 750.29 767.16

BS+1 517.19 566.76BS+2 827.45 903.06

Why don’t we find something cheaper and leave CalPers?

• Most alternative plan premiums costs are very similar for similar coverage. (like different gas stations… most charge about the same price)

• Many alternative plans are more restrictive in meeting members needs. (i.e. a regional Western Health Advantage...)

• Age factor will hurt us more than other Districts in cost of alternative plans. (over one-third of our members are 55+)