Some CCSD teachers will see their family’s health insurance costs increase [Las Vegas Review-Journal] – InsuranceNewsNet

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

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

Factors behind the increases include inflation and teacher shortages — essentially, more spending to spread among fewer people covered by the health trust.

“Healthcare costs are really going up. THT Health CEO, Tom Zumtobel told the Las Vegas Review-Journal on Friday.

THT Health is the health insurance provider for approximately 36,000 people — licensed school district employees and their family members. The trust, which struggled for years with financial problems and was bailed out several times, is overseen by Clark County Education Association teachers union.

Premium increases will have the greatest effect on families who choose a traditional PPO plan.

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

Zumtobel said Thursday night School board meeting that the school district does a “very good job” of funding educators but does not fund families and “our spending is with the families.”

He said the health trust is not happy with the increase in premiums.

John Vellarditaexecutive director of Clark County Education Associationreferred a Review-Journal request for comment Friday to Zumtobel.

In a statement Friday, the school district said, “Because the insurance program is administered by THT, we would defer to them for a response.”

Last school year, educators began raising concerns about being dropped as patients by their medical providers or sent to collections because of unpaid claims.

The school district provided one 35 million dollars advance in the health trust last year, and must be repaid by the end of 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 overdue claims.

Zumtobel told the Review-Journal on Friday that the health trust has done “extraordinary things” in the past year, including resolving late claims and collection cases. He said he “turned the operation around”.

He said the trust was not predicting premium increases, but inflation and fewer teachers played a role.

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

It’s hard to recruit teachers, Zumtobel said, noting that he understands that premium increases don’t help.

He said that the increases have hit families hard.

“I hate it, personally, but it wasn’t fair to give it back to individual teachers,” he said.

high school teacher Ryan Fromoltz — who is insured as an individual under the traditional PPO plan — said he has heard concerns from district employees who have multiple children about how they will pay for the premium increase.

“Teachers are looking at options to leave because premiums have gone up too much for families,” 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 dollars for an individual and 1000 dollars for a family in a health savings account for those on the high deductible plan.

That’s an important benefit, Zumtobel said, noting that he thinks it’s been lost in the conversation.

Another difference: There are additional categories of family subscribers – subscriber plus two to four people and subscriber plus five or more people. Currently, it is simply “subscriber plus family”.

Employees pay 245 dollars for bi-weekly pay for Signature Plan, traditional PPO. This will increase in the middle 368 dollars AND $475.50depending on family size and dental plan chosen.

There is a smaller premium increase for the high deductible advantage plan, which is currently $232.50 for a family. Now, the costs will range from $247.50 to $267.50.

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

An employee plus a family member will pay between 115 dollars AND 134 dollars for salary.

CONTACT Julie Wootton-Greener IN [email protected] or 702-387-2921. Follow @julieswootton on Twitter. journalism Lorraine Longhi contributed to this report.

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

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