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A self-funded health benefits purchasing program for municipalities in Lancaster and York Counties.
4 Table of Contents A Letter to Our Members 6 Meet the IIC Team 7 IIC Board of Directors 9 Membership Report 10 Surplus Distribution 14 Wellness Grant Program 15 Account Services 16 Open Enrollment Reminder 17 ConnectCare3 18 Life & Disability Program 20 Administrative Services 22 2023 Health Benefits Seminar 27
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Recognizing the effectiveness of group purchasing, Benecon pioneered self-funded consortium and cooperative programs. Today, we’re proud to manage fourteen programs across the country and maintain membership retention of more than 98%. With our full suite of services, Benecon is able to provide unlimited expert support through Account Management, Actuarial, Compliance, Finance and the Producer Services Divisions. With the unparalleled Nurse Navigation and Wellness Services of our subsidiary, ConnectCare3, Benecon is a powerhouse in the self-insurance marketplace.
It all started with four local government groups in 1991
• Plan designs and demographics for each member group
Michelle Joy VP Account Management
• Medical trend estimate (projected at 8% for 2023)
October 1, 2022
Everest Re will remain as our stop loss partner for the IIC, and we continue to stabilize the reinsurance costs through our Yourpartnership.renewalisonly
We appreciate your participation in the IIC and look forward to serving you in 2023. We sincerely hope that you, your families and employees continue to remain safe and healthy.
Sincerely,
Dear IIC Members,
one indicator of the total cost of your health insurance program. For the 2021 plan year, 82% of IIC members received a surplus. When combining surplus returns with your projected 2023 costs, many members experience level funding or decreases in their total costs.
Fred Bean VP Program Management
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• Claims experience for 2020, 2021 and the first six months of 2022
Thank you for being a valued customer of the Intergovernmental Insurance Cooperative (IIC). We strive to continue providing seamless service and stability to our members. On behalf of the IIC Board of Directors, thank you for your ongoing participation in the program.
For 2023, the average renewal increase for the 62 members of IIC is 7%. When developing the rates for individual members, the actuarial staff considered the following:
• Fixed costs (reinsurance fees and administrative fees)
This renewal booklet and accompanying packet include other information relating to your 2023 renewal, the IIC program, Benecon, your claim fund performance and dental & vision rates. We hope you take a few minutes to review this important information.
A Letter to Our Members
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Brian ProgramAccountZimmermanManagerLoriSmithCoordinator
Anne Walls Senior Enrollment Specialist, Account Services
Cindy McKillips Associate Account Manager
Meet the IIC Team
is a nationally recognized
8 I NS U RA N CE C O O P E R ATI VE Established 1991
for municipalities in York and Lancaster
Choose the plan design that works best for your employees To learn more about IIC please contact: The Benecon Group 717.723.4600 | 888.400.4647 info@benecon.com | www.benecon.com Intergovernmental Insurance Cooperative (IIC) is a
purchasing program developed and
Using the Power of Group Purchasing to Lower Your Benefits Costs
Health
Flexibility self-funded group administered by The Benecon Group County, Pennsylvania. Benecon leader in industry, dedicated to providing its market.
Proven actuarial pricing model Priced by Benecon's independent actuaries
members with efficient and safe access to the self insurance
the
Administered by Benecon 30+ years of experience $2.6+ billion administered funds 98% $579retentionmillionstop-loss placed Control Be in the driver’s seat when choosing your benefits Full Transparency Know where every dollar is spent Surplus & Savings Any surplus after year end reconciliation is returned to the group
East Lampeter Township, Manager
380 East Berlin Road | York, PA 17408 Office: 717.792.3505 | kkelch@wmtwp.com
Michael McKenna
7 Members - 2 Year Term (7/1/22-6/30/24)
West Manchester Township, Manager
Cindy Schweitzer Treasurer
Ralph Hutchison Chairman
3200 Farmtrail Road | York, PA 17406 Office: 717.764.4646 | t.james@mantwp.com
Jenny Gunnet
Ryan Strohecker Vice Chairman
Ephrata Borough, Manager
2250 Old Philadelphia Pike | Lancaster, PA 17602 Office: 717.393.1567 | rhutchison@eastlampetertownship.org
950 West Fairway Drive | Lancaster, PA 17603 Office: 717.397.4769 | manager@manortwp.org
Non-Charter Members
Manor Township, Manager
Tim James Secretary
East Hempfield Township, Manager
Manchester Township, Manager
9 2022-2024 IIC Board of Directors
1700 Nissley Road, PO Box 128 | Landisville, PA 17538 Office: 717.898.3100 ext 222 | manager@easthempfield.org
Windsor Township, Manager
1480 Windsor Road | Red Lion, PA 17356 Office: 717.244.3512 | jgunnet@windsortwp.com
Charter Members
124 South State Street | Ephrata, PA 17522 Office: 717.738.9232 | mmckenna@ephrataboro.org
Kelly Kelch
IIC Membership Report
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IIC 2008 40 2009 43 2010 43 2011 45 2012 49 2013 49 2014 52 2015 55 2016 55 2017 58 2018 59 2019 59 2020 61 2021
63 Employee Members: 9/1/2022 2,137 Overview We would like to welcome our new 2022 groups! Groups Employee Count Effective Date West Earl Township 20 1/1/2022 New Freedom Borough 10 3/1/2022
Municipal Members as of: Number of Employer Groups
Hanover Area Fire and Rescue 14
Manchester Township 21 Manheim Borough 29 Manheim Township 196
East Hempfield Township 76
Columbia Borough 42
East Donegal Township 10
Elizabeth Township 3
Elizabethtown Borough 44
Ephrata Township 6
Fairview Township 37
East Cocalico Township Authority 10
East Cocalico Township 36
Ephrata Borough 113
Dover Township 39
Clay Township 6
Lancaster Airport Authority 18
Carroll Township 18
Akron Borough 7
Manor Township 49 Members
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Dillsburg Area Authority 13
Hanover, Borough of 142 Jackson Township 11
Elizabeth Area Water Authority 7
East Lampeter Township 65
Lancaster Township 15
Lititz Borough 34
Member Employee Count
Dallastown Borough 8
Lancaster County Solid Waste Management 108
Lancaster Area Sewer Authority 46
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West Earl Township 20
Members
Penn Township 10
York County Regional Police 71
York Area United Fire Rescue 57
Windsor Township 15
Newberry Township 23
West Manchester Township 57
Susquehanna Regional Police Department 22
Pequea Township 7
Millersville Borough 26
Warwick Township & Authority 17
Paradise Township 4
Springettsbury Township 63
Spring Garden Township 28
New Freedom Borough 10
Red Lion Municipal Authority 14
Salisbury Township 6
Red Rose Transit Authority 58
Northwest Regional Lancaster County Police 21
West Donegal Township 4
West Lampeter Township 33
West Hempfield Township 41
Northern York Regional Police Department 59
Quarryville Borough 6
Mt. Joy Township 8
York Housing Authority 50 York Township 40
Member Employee Count
Spring Grove Borough 6
Northern Lancaster County Regional Police 32
South Central Transit Authority 46
West Manheim Township 29
Southern York Regional Police Department 14
For the 2021 plan year, we returned nearly $7 million dollars in surplus claim funds to 82% of IIC members. Most IIC members received a 75% distribution of their 2021 surplus in April 2022. The balance will be distributed in October 2022 when all claims are closed out.
Surplus Distribution
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Weyears.are
An ongoing wellness program can encourage employees to make healthy lifestyle choices that promote better health and potentially reduce overall health claims for a group. Wellness grant funds must be used for activities or items that will have a positive impact on employees’ overall wellness, and ideas that promote this positive impact are encouraged. Here are some examples of how members have used their 2022 wellness grant funds: and Learn programs for races
• Gym memberships • Lunch
• Water bottles • Registration fees
IIC Wellness Grant Program
Wellness Grant Program
In 2022, the IIC Board of Directors started a wellness grant program for its members. Highmark has generously allocated a total of $40,000 to fund wellness grants for the 2022 and 2023 plan
• New gym equipment • Standing desks • Biometric multiphasic blood screenings • Healthy snacks for meetings • Reimbursement of fitness classes
We 2023.
encourage you to take advantage of available wellness grants for
pleased to have 12 IIC groups currently participating in the initial year of this new wellness grant program. Additionally, a total of $28,000 is available for the 2023 wellness grants. These grants will be distributed by the IIC Board at the end of this year.
IIC members use Highmark’s online portal to process adds, changes and terminations to their medical plans. For dental and vision plans, please send a completed universal benefit form (UBF) via secure email to Account Services or fax the form for processing.
16 Account Services What can the Account Services team do for YOU? accountservices@benecon.com | P: 888.400.4647 | F: 888.977.2173 +
Box.com Invoice Delivery
• Log in to Box.com and click on “All Files”
• Click the arrow next to recent files to hide this section. The recent files section shows the last files you opened, not the most recent files uploaded.
Enrollments, changes and terminations ID Card Requests
Need a new ID card for an employee? Requests for medical plan ID cards can be made through Highmark’s online portal. For dental and vision plans, send Account Services an email to request a new one. Most insurance carriers take 7-10 business days to generate and mail a new card. Don’t forget to include the employee’s address in your request!
EnrollmentQuestionsRelated
Any other enrollment related questions, we have you covered!
• Click the “Billing” folder
• Click the most recent month’s folder “yyyy-mm”
It is also very helpful if you write the month of the invoice you are paying on your check. For more detailed instructions, please contact your Account Manager.
IIC invoices are delivered securely each month using Box.com. Upon receipt of your monthly notification email, you are able to log in to Box.com to retrieve your most recent invoice as well as review invoices from previous months. To avoid mispayments, please make sure you are accessing the newest invoice each month by following these steps:
Please remember to submit all Open Enrollment changes via the Highmark online portal (for medical) or to AccountServices@benecon.com (for dental and vision) prior to 12/16/2022; this includes new enrollments, changes, and terminations for an effective date of 1/1/2023. Any Open Enrollment changes submitted after the first of the year cannot be processed.
Open Enrollment Reminder
Anne Walls Senior Enrollment Specialist
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Erin EnrollmentWillmanSpecialist
• ConnectCare3 will equip groups with marketing materials, webinars, and other communication tools to help drive the utilization of ConnectCare3 services. We also connect employers with additional wellness resources from their insurance carriers, employee assistance program, or within the community that may be available at little to no cost. We can help identify the most appropriate wellness vendors, if needed, for screening services.
Chronic Disease Management & Prevention
Tobacco Cessation
ConnectCare3 services are an enhancement to an individual’s medical benefits and available at no additional cost to employees and their dependents covered on a group’s health plan. We offer solutions to help our members build health literacy and reduce barriers to care while aiming to help employers with cost reduction strategies through our wellness solutions services. ConnectCare3 is a unique independent advocate, and we have no affiliation with any insurance carrier or hospital system.
• Multidisciplinary team of registered nurses, registered dietitians, and certified health coaches
• Provide clinical expertise
• Assist individuals with prediabetes, diabetes, high blood pressure, high cholesterol, or obesity
Collaboration
Clinical Services Wellness Solutions
• Can be used as reasonable alternative program
• Prepare questions for physicians for second opinions
Consultation
• Assist patients in understanding their diagnosis and treatment options
For more information, visit connectcare3.com.
• Provide resources that help support and sustain health Nutrition Education
• ConnectCare3 will help employers design wellness programs suited specifically to their organization’s culture and demographics. We can provide wellness campaigns and educational resources on relevant and timely health topics. Employers can use these resources to support their wellness initiatives with minimal added work required for them. We can also assist employers in exploring incentives as an employee engagement tool.
Connection
Nurse Navigation
Patient Advocacy
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• ConnectCare3 will evaluate an organization’s needs and assist them in accomplishing a wide range of goals. This can be straightforward, such as developing an employee engagement strategy and providing readyfor-use educational tools, or as expansive as building a wellness committee and creating a 3-5 year strategic wellness plan.
• Supports the clinical team and provides resources
The health and wellness solution for employers.
The ConnectCare3 Benefit
• Help patients understand the connection between diet and health by providing nutritional assessments and healthy meal plans
• Work one-on-one with certified health coaches to achieve and maintain a tobacco-free life
19 HealthyU Featuring: • Self-paced, interactive, courses created by ConnectCare3 clinical experts • Customized HealthyU webpage for each employer • Capability to track participation and completion for each incentive programming • Access for all employees
1. Current employee census (Name, DOB, DOH, Occupation, Salary)
2. Copy of current plan designs (Summary Page of Benefit Booklet)
Life & Disability Program
717.951.5636sgingrich@benecon.com
2. Match each group‘s current plan designs & level of benefits
3. $83 billion in assets
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To date 50+ IIC Members have taken advantage of this program, generating significant savings!
4. Place all Members with one carrier
2. 141+ years experience
Insurance Provider: OneAmerica
Information Needed to Provide a Proposal
1. Provide a significant rate reduction on current Life/STD/LTD Coverage
3. Provide a multi-year rate guarantee
3. Copy of most recent invoice
For more information please contact: Stephen Gingrich
The IIC Board endorsed Benecon to offer a Life & Disability program for all Members. IIC believes there is power and efficiency in group purchasing and encourages all Members to participate.
1. “A“ financial rating from all rating agencies
Benecon has successfully aggregated the Members of many other Cooperatives to create a significant purchasing power for Life & Disability coverage.
Program Specifics
Experience: Benecon
TM
With plans from United Concordia, Davis Vision and National Vision Administrators, we are sure to have a plan that works for you.
Dental & CoverageVisionThrough IIC
For more information, please contact your Benecon Account Manager.
Did you know that IIC offers dental and vision coverage?
A Dependent Care Assistance Plan is an employer offered, tax-advantaged plan funded by the employee to pay for care for eligible dependents, such as children or disabled family members.
An Excepted Benefit HRA is an employer funded, taxadvantaged arrangement, under which employers provide funds towards the cost of vision, dental or short term limited duration insurance premiums that they purchase on their own.
An Individual Coverage HRA is an employer funded, tax-advantaged arrangement in which employers of any size can reimburse employees for some or all of the premiums that their employees pay for health insurance that they purchase on their own.
A Qualified Small Employer HRA is an employer funded, tax-advantaged arrangement in which employers with under 50 Full Time Employees can reimburse their employees for their health insurance premiums that they purchase on their own.
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FSA ICHRA
Commuter Transit / Parking Benefits
Benecon Administrative Services Product Guide
A Flexible Spending Account is an employer offered, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-taxed dollars.
DCAP QSEHRA
Administrative Services
Employer established, tax-advantaged account funded by the employee and/or the employer to pay for qualified mass transit and parking expenses on a monthly basis.
HSA COBRA
Employer funded, tax-advantaged plan that can pay an employee up to $5,250 in educational assistance benefits each year.
With Benecon’s Administrative Services, gain access to a full suite of value-added services.
A Health Savings Account is an employee owned, taxadvantaged savings account used in conjunction with a High Deductible Health Plan (HDHP).
The Consolidated Omnibus Reconciliation Act gives employees who lose their benefits the right to choose to continue group health benefits provided by their employer for limited periods of time if the employee experiences a qualifying event.
HRA Retiree Billing
Tuition Reimbursement Programs
EBHRA
A Health Reimbursement Arrangement is an employer funded arrangement that may be used to reimburse employees for qualified medical expenses set by the employer.
Semi-annual billing services for eligible retirees.
Representatives Available During Working Hours to Assist our Partners and their
Account Funding and Contribution Management
In addition to our CDH & COBRA offerings, Benecon’s Administrative Services Team provides best-in-class customer service and access to industry-leading mobile and web-based services.
Plan Management and Consumer Engagement
Industry Leading Web Browsers for FSA/HSA Eligible Items
PersonalizedClients
FSA / HSA Store and HealthShopper
Purchased Products Require Zero Substantiation if paired with a Benecon FSA/ HSA Debit Card
Enrollment and Eligibility Management
IOS/Android App That Makes Account Management Easy
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Special deals on eligible FSA & HSA products
Plan Setup and Renewals with no extra charges (*excluding Mini-COBRA)
No Minimum Requirements on Employee Plan Participation Compliance Webinars and Instructional Videos
Customized Communications for Participants
Enhanced Reporting Capabilities
Personalized Customer Service
CDH Open Enrollment Presentations and Marketing Materials
Value Enhancements
24/7 access to Employer & Participant Portals
Administrative Portals/CDH Mobile App
Benecon Portal: www.my-healthshopper.com/?id=10624Amazonisresponsiblefor delivery and customer service for purchases made via Health Shopper.
Get Started
Bringing together the leader in health spending accounts and the leader in online retail to deliver the easiest way to learn about, shop for, choose and purchase HSA/ FSA eligible retail items online. Under the “Eligible Expense List“ on the Home Page, learn about what expenses can be reimbursed under your program and what documentation may be required.
Enhancing the Consumer Experience
www.my-healthshopper.com/?id=10624Today!CDHServices@benecon.com
Search for products on Health Shopper, and when ready to purchase, you will be guided to Amazon to procure the product.The transaction experience will work similar to any other purchase a consumer makes on Amazon, including utilizing Amazon Prime benefits.
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info@benecon.com | 888.400.4647
