Some CCSD teachers will see the cost of family health insurance go up [Las Vegas Review-Journal] – InsuranceNewsNet

Clark County School District teachers who have multiple family members covered by health insurance face increased costs, and in some cases nearly double their premiums.

The THT Health open enrollment period for the 2022-23 benefit year has begun August 3 and continues to the end August 24th. Changes take effect October 1.

The factors behind the increase are inflation and the teacher shortage — essentially, higher costs are spread among fewer people with health insurance.

“Health Care Costs Are Really Rising” THT Health CEO Tom Zumtobel told the Las Vegas Review-Journal on Friday.

THT Health is the health insurance provider for approximately 36,000 licensed school district employees and their families. The trust, which has struggled with financial problems for years and repeatedly received bail, is under supervision Clark County Education Association teachers’ union.

The premium increase will have the biggest effect on families who choose a traditional PPO plan.

Educators who are insured individually or with one dependent will not see a premium increase for medical benefits, but will see a “nominal premium change” if they choose a dental PPO over the HMO option, according to the trust’s website.

Zumtobel said Thursday night Blackboard at the meeting that the school district does a “very good job” of funding teachers, but not funding families, and “our costs fall on families.”

He said the medical trust was not happy with the premium increase.

John VelarditaCEO Clark County Education AssociationThe Review-Journal reached out to Zumtobel on Friday for comment.

In a statement Friday, the school district said, “Since the insurance program is administered by THT, we will entrust them with the response.”

Last school year, teachers began voicing concerns that their health care providers were dropping them as patients or sending them to collections because of unpaid claims.

The school district gave a 35 million dollars an advance to the health care fund last year, and it must be repaid by the end of the year June 2024.

In October, an agreement was reached between the district and the teachers’ union. It included financial transparency and other requirements such as settlement of arrears.

Zumtobel told the Review-Journal on Friday that the health fund has done “great things” over the past year, including resolving delinquent claims and collection cases. He said it “turned the operation around”.

He said the trust had not expected premiums to rise, but inflation and fewer teachers had played a role.

The health fund said on its website that its “trend inflation” is 8.73 percent, compared to local and national employers who experience cost increases of 12 to 25 percent in their plans.

It’s hard to recruit teachers, Zumtobel said, noting that he understands the bonus increases aren’t helping.

He said the increase has hit families hard.

“Personally, I hate it, but it would be unfair to put it on individual teachers,” he said.

Secondary school teacher Ryan Fromolz — who is insured as an individual under a traditional PPO plan — said he has heard concerns from district employees who have multiple children about how they are going to pay for the premium increase.

“Teachers are looking at redundancy options because family allowances have gone up a lot,” he said.

THT Health offers two plan options: a traditional PPO and a high-deductible plan.

New this year: The school district will contribute 500 USD for an individual and 1000 USD for a family health savings account for those with a high deductible.

Zumtobel said that’s a significant advantage, noting that he thinks it’s been lost in the conversation.

Another change: additional family categories of subscribers appeared — subscriber plus two to four people and subscriber plus five or more people. Currently it’s just “subscriber plus family”.

Employees pay 245 USD for a biweekly paycheck for a signature plan, a traditional PPO. This will increase to between 368 USD and $475.50 USDdepending on family size and dental plan selected.

There is less premium increase for the high deductible benefit plan that is currently available $232.50 USD for the family Now the costs will range from $247.50 USD to $267.50 USD.

By comparison, individual licensed workers will pay anywhere $7.50 USD to $19.50 USD per salary, depending on which plan and dental benefits they chose.

The employee and one family member will pay between them 115 USD and 134 USD for salary

contact Julie Wootton-Griner in [email protected] or 702-387-2921. Follow @julieswootton on Twitter. Reporter Lorraine Longhi contributed to this report.

©2022 Las Vegas Review-Journal. Visit Distributed by Tribune Content Agency, LLC.

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