IIC 2024 Program Information

2024 Program Information

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A self-funded health benefits purchasing program for municipalities in Lancaster and York Counties.

Table of Contents

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A Letter to Our Members

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Meet the IIC Team

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IIC Board of Directors

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Membership Report

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Surplus Distribution

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Highmark Loyalty Credits

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Account Services

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Open Enrollment Reminder

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ConnectCare3

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Life & Disability Program

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Administrative Services

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2024 Health Benefits Seminar

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It all started with four local government groups in 1991

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.

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A Letter to Our Members October 1, 2023 Dear IIC Members, Thank you for being a valued member of the Intergovernmental Insurance Cooperative (IIC). We continue to offer a cost-effective program with excellent service and stability to our members. On behalf of the IIC Board of Directors, thank you for your ongoing participation in the program.

For 2024, the average renewal increase for the 61 members of IIC is 8%. When developing the rates for individual members, the actuarial staff considered the following: • • • •

Medical trend estimate (projected at 8% for 2024) Plan designs and demographics for each member group Claims experience for 2021, 2022 and the first six months of 2023 Fixed costs (reinsurance fees and administrative fees)

The IIC will continue to stabilize the reinsurance costs of its members through the collective purchasing power of the cooperative.

Your renewal is only one indicator of the total cost of your health insurance program. For the 2022 plan year, 89% of IIC members received a surplus. When combining surplus returns with your projected 2024 costs, many members experience level funding or decreases in their total costs.

This renewal booklet and accompanying packet include other information relating to your 2024 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.

We appreciate your participation in the IIC. It is our pleasure to work with you and we look forward to serving you in 2024.

Sincerely,

Michelle Joy VP Account Management

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Zachary Peirson VP Program Management

Meet the IIC Team

Brian Zimmerman Account Manager

Cindy McKillips Associate Account Manager

Nicole Whitmoyer Executive Programs Coordinator

Anne Walls Senior Enrollment Specialist, Account Services

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Using the Power of Group Purchasing to Lower Your Health Benefits Costs

I NSU RANCE C OOPERATIVE Established 1991

Intergovernmental Insurance Cooperative (IIC) is a self-funded group purchasing program developed and administered by The Benecon Group for municipalities in York and Lancaster County, Pennsylvania. Benecon is a nationally recognized leader in the industry, dedicated to providing its members with efficient and safe access to the self insurance market.

Full Transparency

Know where every dollar is spent

Proven actuarial pricing model

Control

Priced by Benecon's independent actuaries

Be in the driver’s seat when choosing your benefits

Flexibility

Administered by Benecon

30+ years of experience $3+ billion administered funds 98% retention $600+ million stop-loss placed

Choose the plan design that works best for your employees

Surplus & Savings

Any surplus after year end reconciliation is returned to the group

To learn more about IIC please contact: The Benecon Group 717.723.4600 | 888.400.4647 info@benecon.com | www.benecon.com 8

2022-2024 IIC Board of Directors 7 Members - 2 Year Term (7/1/22-6/30/24)

Charter Members Ralph Hutchison

East Lampeter Township, Manager 2250 Old Philadelphia Pike | Lancaster, PA 17602 Office: 717.393.1567 | rhutchison@eastlampetertownship.org

Ryan Strohecker

Manor Township, Manager 950 West Fairway Drive | Lancaster, PA 17603 Office: 717.397.4769 | manager@manortwp.org

Cindy Schweitzer

East Hempfield Township, Manager 1700 Nissley Road | Landisville, PA 17538 Office: 717.898.3100 ext 222 | manager@easthempfield.org

Chairman

Vice Chairman

Treasurer

Nancy Harris

Ephrata Borough, Manager 124 South State Street | Ephrata, PA 17522 Office: 717.738.9232 | nharris@ephrataboro.org

Non-Charter Members Tim James Secretary

Manchester Township, Manager 3200 Farmtrail Road | York, PA 17406 Office: 717.764.4646 | t.james@mantwp.com

Kelly Kelch

West Manchester Township, Manager 380 East Berlin Road | York, PA 17408 Office: 717.792.3505 | kkelch@wmtwp.com

Jenny Gunnet

Windsor Township, Manager 1480 Windsor Road | Red Lion, PA 17356 Office: 717.244.3512 | jgunnet@windsortwp.com

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IIC Membership Report

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Overview Number of Employer Groups

IIC Municipal Members as of: 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

2022

61

Employee Members: 9/1/2022

2,114

We would like to welcome our new 2022-2023 groups!

Groups East Manchester Township

Employee Count

Effective Date

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11/1/2022

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Members Member Akron Borough Carroll Township Clay Township Columbia Borough Dallastown Borough Dillsburg Area Authority Dover Township East Cocalico Township East Cocalico Township Authority East Donegal Township East Hempfield Township East Lampeter Township East Manchester Township Elizabeth Area Water Authority Elizabeth Township Elizabethtown Borough Ephrata Borough Ephrata Township Fairview Township Hanover Area Fire and Rescue Hanover, Borough of Jackson Township Lancaster Airport Authority Lancaster Area Sewer Authority Lancaster County Solid Waste Management Lancaster Township Lititz Borough Manchester Township Manheim Borough Manheim Township Manor Township

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Employee Count 6 17 5 38 9 10 39 32 11 11 74 73 9 7 3 45 102 6 38 14 140 11 18 54 106 18 31 28 25 200 44

Members Member Millersville Borough Mt. Joy Township New Freedom Borough Newberry Township Northern Lancaster County Regional Police Northern York Regional Police Department Northwest Regional Lancaster County Police Penn Township Pequea Township Quarryville Borough Red Lion Municipal Authority Red Rose Transit Authority Salisbury Township South Central Transit Authority Southern Regional Police Department Spring Garden Township Spring Grove Borough Springettsbury Township Susquehanna Regional Police Department Warwick Township & Authority West Donegal Township West Earl Township West Lampeter Township West Manchester Township West Manheim Township Windsor Township York County Regional Police York Area United Fire Rescue York Housing Authority York Township

Employee Count 25 6 15 25 34 65 22 11 7 7 16 64 5 44 13 27 5 60 22 25 4 22 29 60 33 18 69 58 51 38

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Surplus Distribution

For the 2022 plan year, we returned nearly $7.3 million dollars in surplus claim funds to 89% of IIC members.

Most IIC members received a 75% distribution of their 2022 surplus in June 2023. The balance was distributed in September 2023 after all claims had been closed out.

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New for 2024: Highmark Loyalty Credits

In the previous agreement with Highmark, there was $20,000 initially allocated for wellness credits. The utilization of these dollars was restrictive in that groups must apply, and the money was only allowed to be used for efforts within a wellness program.

As part of the new agreement, Highmark will be distributing $100,000 in loyalty credits in 2024 and 2025. Given that these are now loyalty credits, the consortium may utilize the dollars as it wishes.

The IIC Board of Directors has voted to distribute the funds on a per employee per year (PEPY) basis to each group. Based on the IIC July 2023 membership of 2,114 employees, this would amount to a credit of $47.30 PEPY that would be returned to the groups via check in the first quarter if 2024. The final PEPY amount will be determined based on the membership count as of January 31, 2024.

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Account Services What can the Account Services team do for YOU? accountservices@benecon.com | P: 888.400.4647 | F: 888.977.2173

+ Enrollments, changes and terminations 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.

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!

Enrollment Related Questions Any other enrollment related questions, we have you covered!

Box.com Invoice Delivery 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: • • • •

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.

Click the “Billing” folder Click the most recent month’s folder “yyyy-mm”

Helpful tips: Including the following information in the memo section of your check helps to ensure payments are applied correctly.

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The month of the invoice you are paying Your Client Manager Key (this is the 3-digit or 4-digit number located under your Group’s Name in the upper left corner of the Medical Billing Invoice)

Open Enrollment Reminder

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 12/15/2023; this includes new enrollments, changes, and terminations for an effective date of 1/1/2024.

Any Open Enrollment changes submitted after the first of the year cannot be processed.

Anne Walls Senior Enrollment Specialist

Erin Willman Enrollment Specialist 17

The ConnectCare3 Benefit

The health and wellness solution for employers.

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.

Clinical Services

Wellness Solutions

Patient Advocacy

Collaboration

•

Supports the clinical team and provides resources

•

Nurse Navigation • • •

Assist patients in understanding their diagnosis and treatment options Prepare questions for physicians for second opinions Provide clinical expertise

Chronic Disease Management & Prevention • • •

Multidisciplinary team of registered nurses, registered dietitians, and certified health coaches Assist individuals with prediabetes, diabetes, high blood pressure, high cholesterol, or obesity Provide resources that help support and sustain health

Consultation •

Nutrition Education •

Help patients understand the connection between diet and health by providing nutritional assessments and healthy meal plans

Tobacco Cessation • •

Work one-on-one with certified health coaches to achieve and maintain a tobacco-free life Can be used as reasonable alternative program

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.

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 •

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.

For more information, visit connectcare3.com.

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ConnectCare3 Platform & App Empowering a Healthier Workforce

Engage employees with incentives and challenges Increase awareness of ConnectCare3’s clinical services Improve employee health literacy Available online and via Google Play/Apple Store Included as a part of the ConnectCare3 benefit

Features & Functions The “ConnectCare3” App:

©2022 ConnectCare3, LLC - All Rights Reserved

• • • • • • •

HealthyU Learning Modules Incentive Tracking & Reporting Wellness Checkpoint Health Risk Assessment Mayo Clinic Resource Library Wellbeing Challenges Push Notifications Available in English & Spanish To get started, contact your Wellness Solutions Consultant, or email us at solutions@connectcare3.com

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Recommended programs

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Current streak

My activity history 7 step program

Master relaxation

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5 steps to being

mindful

Moderate levels of stress Positive psychology

Positive thinking - gratitude

Daily practice for sleep

See all

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Help your team build the skills they need to manage stress and become more resilient with Koa Foundations, an evidence-based mental wellbeing app from the team of mental health experts at Koa Health.

Want to learn more about this buy-up offering from ConnectCare3?

Contact Solutions@connectcare3.com for more information.

Important information: Foundations services are provided by Koa Health B.V., to learn more about how your personal data is processed, please read the Privacy Policy before creating a Foundations account.

Please note that this service will be available to PAMB, PruBSN and PSA colleagues at a later date.

Life & Disability Program 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.

Program Specifics

1. Provide a significant rate reduction on current Life/STD/LTD Coverage 2. Match each group‘s current plan designs & level of benefits 3. Provide a multi-year rate guarantee 4. Place all Members with one carrier

Information Needed to Provide a Proposal

1. Current employee census (Name, DOB, DOH, Occupation, Salary) 2. Copy of current plan designs (Summary Page of Benefit Booklet) 3. Copy of most recent invoice

Insurance Provider: OneAmerica

1. “A“ financial rating from all rating agencies 2. 141+ years experience 3. $83 billion in assets

Experience: Benecon

Benecon has successfully aggregated the Members of many other Cooperatives to create a significant purchasing power for Life & Disability coverage.

To date 50+ IIC Members have taken advantage of this program, generating significant savings!

For more information please contact:

Stephen Gingrich

sgingrich@benecon.com 717.951.5636

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Dental & Vision Coverage Through IIC

Did you know that IIC offers dental and vision coverage?

With plans from United Concordia, Davis Vision and National Vision Administrators, we are sure to have a plan that works for you.

For more information, please contact your Benecon Account Manager.

TM

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Administrative Services Benecon Administrative Services Product Guide

With Benecon’s Administrative Services, gain access to a full suite of value-added services.

HSA

COBRA

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

A Health Reimbursement Arrangement is an employer funded arrangement that may be used to reimburse employees for qualified medical expenses set by the employer.

Monthly billing services for eligible retirees.

FSA

ICHRA

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.

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.

DCAP

QSEHRA

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.

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.

Tuition Reimbursement Programs

EBHRA

Employer funded, tax-advantaged plan that can pay an employee up to $5,250 in educational assistance benefits each year.

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.

Commuter Transit / Parking Benefits 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.

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Value Enhancements 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.

Administrative Portals/CDH Mobile App 24/7 access to Employer & Participant Portals Enhanced Reporting Capabilities Enrollment and Eligibility Management Account Funding and Contribution Management IOS/Android App That Makes Account Management Easy

Plan Management and Consumer Engagement Personalized Customer Service Representatives Available During Working Hours to Assist our Partners and their Clients Personalized CDH Open Enrollment Presentations and Marketing Materials Plan Setup and Renewals with no extra charges (*excluding Mini-COBRA) No Minimum Requirements on Employee Plan Participation Compliance Webinars and Instructional Videos

FSA / HSA Store and HealthShopper Special deals on eligible FSA & HSA products Industry Leading Web Browsers for FSA/HSA Eligible Items Customized Communications for Participants Purchased Products Require Zero Substantiation if paired with a Benecon FSA/ HSA Debit Card

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Enhancing the Consumer Experience Benecon Portal: www.my-healthshopper.com/?id=10624 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.

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.

Get Started Today! www.my-healthshopper.com/?id=10624 CDHServices@benecon.com

Amazon is responsible for delivery and customer service for purchases made via Health Shopper.

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2024 Health Benefits Seminar

Save the Date

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April 4th & 5th, 2024 Lancaster MarriottMarriott at Pennat Square Lancaster Downtown Penn Square, S. Queen StreetLancaster, Lancaster,PA PA17603 17603 25 25 S. Queen Street,

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info@benecon.com | 888.400.4647

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