Rising health care costs have caught up with us.
For many years, HISD has offered medical plan options that have allowed us to keep employee premiums steady. For the 2014 plan year, we reduced employee contributions by 20% and have kept them there since then. Unfortunately, we must make changes to our 2017 rates and plan benefits to cover our claims. The reason is simple. The money we pay in claims each year exceeds the amount we collect in premiums.
HISD will continue to offer the same wide range of medical plan options through Aetna, and we’re increasing our contribution toward your premiums. For employee-only coverage, the district’s monthly contribution is $382.48, and for employees covering dependents, it’s $414.78 per month. In fact, we began making this higher contribution this past July.
Here’s what's changing:
Viverae is introducing a points-based Healthy Challenge program for 2017, along with a new website and mobile app to make it even more worthwhile to join in and get healthy.
You still have access to online tools like the Viverae Member Health Risk Assessment to help you understand your health risks, as well as mentoring and resources to help you stay healthy.
There are no changes in the way most of our voluntary plans work, and very few changes in rates. Here are the highlights:
For 2017, you maybe able to purchase higher amounts of coverage for yourself and your spouse, potentially up to $1 million and $250,000 respectively. Depending on your final election, the additional amounts of coverage (compared to 2016) may be subject to evidence of insurability requirements. See the Life and AD&D plan description for more details. The premiums for your voluntary coverage are going up a bit, but there are no changes in rates for spouse or child coverage.
Our disability plan helps replace a portion of your income if you’re unable to work due to an injury, illness or pregnancy. For 2017, the rates for this plan are going down slightly.
The rates for legal are going up slightly, but the plan also includes several enhancements, including: