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Association of Metropolitan School Districts
Statewide Health Insurance Plan (SHIP) bill
April 17,2009
C O R P O R A T E H E A L T H S Y S T E M S , I N C. C O R P O R A T E H E A L T H S Y S T E M S , I N C.
Purpose
To share information to help you take an informed
position on the SHIP bill.
SHIP Bill =
Bill Proposes – Subject to change
• WhatRequires membership in the Public Employees Insurance Program
(PEIP)
What is PEIP?
Legislature 1990
MedicalDentalLife Insurance
Coverages offered:
Medical plans:
1. Advantage – Highest level of benefits2. Advantage Value – Mid level benefits3. Advantage HSA – Consumer driven model
Blue Cross Blue ShieldHealth PartnersPreferred One
Contractors:
PEIP – other info
Alexandria School District
Number of members
PEIP relationship to State Insurance Plan (SIP)
Why hasn’t PEIP been more successful?Why hasn’t PEIP been more successful?
Bill proposes using SIP’s provider networks
Bill Language – Subject to change
• WhoAll school district employees
Except:Charter Schools
Self Insured School Districts
• WhatRequires membership in the (PEIP)
• Who will govern?State Employee Insurance Committee (14
members)• When
Jan 1, 2011
o Organizational capacity
Current membership to over 100,000 lives?
Conversion AssessmentConversion Assessment
Insurance Consultant can do a written comparison
o Organizational capacity
o Benefits Comparison
Conversion AssessmentConversion Assessment
o Benefits Comparison
o Disruption = changing providers
Insurance Consultant can do a written comparison
o Organizational capacity
Conversion AssessmentConversion Assessment
o Benefits Comparison
o Disruption
o Premiums
UnderwritingUnderwriting
Experience Pool – PEIP separate pool for school districts
Statewide?
Regional?
o Organizational capacity
Conversion AssessmentConversion Assessment
o Benefits Comparison
o Disruption
o Premiums
UnderwritingUnderwriting
Experience Pool – PEIP separate pool for school districts
Subsidy – buying of business
School employees = higher claims - pharmaceuticals
Study shows possible buying of school district accounts
Conversion AssessmentConversion Assessment
o Organizational capacity
o Benefits Comparison
o Disruption
o Premiums
UnderwritingUnderwriting
Experience Pool – PEIP separate pool for school districts
Subsidy – buying of business
Reserves
Will PEIP reserves be consolidated?
Conversion AssessmentConversion Assessment
o Organizational capacity
Size of reserves?
o Benefits Comparison
o Disruption
o Premiums
o Negotiations
Conversion AssessmentConversion Assessment
o Organizational capacity
Review your collective bargaining agreements
Insurance consultant – benefits comparison and disruption report
Question – PEIP experience pool – Statewide or Regional?
To share information to help you take an informed position on the SHIP bill.
SummarySummary
Review your collective bargaining agreements
Will PEIP reserves be consolidated?
Thank youEnd
C O R P O R A T E H E A L T H S Y S T E M S , I N C. C O R P O R A T E H E A L T H S Y S T E M S , I N C.
