The management of employee benefits…

not an insurance product

Joining together to achieve better service and management

Providing the most comprehensive coverage possible

Providing cost effective employee health plans

Keeping costs at manageable levels

South Central Ohio Insurance Consortium

Why SCOIC?

Budget pressures

Capital improvement funds are limited

Managing changes in employee enrollment

Taxpayer funding uncertainty

Unexpected increases in benefit costs

Plan management has become increasingly

complex

The reasons are obvious

How SCOIC helps groups like yours

Cost Strong provider networks provide deep discounts reducing the average cost per employee.

Funding levels are based on actual expenses without adding insurance company profits.

Financial reserves eliminate unexpected increases in benefit costs and helps to develop stable budget planning.

SCOIC maintains an internal financial pool to lower

stop-loss insurance expense.

Financial reserves are maintained to reduce future cost increases.

How SCOIC helps groups like yours

Management

A self governing board made up of group representatives manage and oversee benefits and costs.

Your group maintains control of your plan.

A claims administrator, consultants and preferred provider networks assist with management.

Accurate data allows for the most current reporting

SCOIC maintains accountability of costas related to claims and administration.

How SCOIC helps groups like yours

Plans

Benefit Plans can include medical, Rx, dental, vision and life.

Offering a variety of provider networks

Your group selects the plan and benefits

3,000 employees within the consortium offers

Benefits a single group alone could not achieve.

Plan administration costs are shared

Larger numbers allow for volume buying

High dollar claims are spread over the entire group creating a greater averaging of risk

A larger variety of provider networks made up of doctors and medical facilities are available to meet your needs

Discounts offered to our consortium due to our numbers reduces each groups overall plan costs

Insurance company profits are eliminated to reduce your administrative costs

The benefits of numbers

Employee Benefit Management Corp (EBMC) An Administrative Services Provider Option. Other Administrators are available.

To those entities who select EBMC as their plan administrator, EBMC becomes an off-site benefits department

and the one place to turn to when special consultation regarding complex health issues is needed.

EBMC - One of the largest and most experienced companies in the Midwest that specializes in the management

and servicing of self-funded benefit groups like SCOIC.

Claims Administration - Assuring timely and accurate claim processing, cost containment and compliance with

HIPPA and COBRA regulations.

Cost Containment - Managing costs related to prescriptions, PPO networks, out of network expenses and disease

management.

Associated Benefits Consultants

Marketing partner with Miller-Lewis Benefit Consultants

Market representative - identifying new opportunities in the Ohio Public Sector Market.

Strategic partnerships - innovative solutions to bring long term cost savings and stability.

Public Sector Experience - 29 years of public sector, consortium and self-funded experience.

Miller-Lewis Benefit Consultants

Providing support and service as Consultants for SCOIC.

Plan Benefit - Designing Plans to meet specific needs.

Consulting - meeting with management teams, union representatives and employees

Bargaining - Assist in bargaining with management and associations.

Customer Service - Resolve claim and plan coverage issues with one of our professional consultants.

Local - Centrally located representing groups like yours.

SCOIC Measures Up

Employer specific benefit plan

Quarterly meetings of a self governing board.

Benefit plan consulting.

Full customer service assistance.

A variety of provider networks to select from.

Benefits are structured to your specifications

A variety of Third Party Administrators (TPA) choices.

Self funded with healthy financials reserves,

Each entity controls their benefit plan.

Expenses are a manageable because they are rated to actual costs, not built in

profits.

Fellow Benefit Managers, It’s important for us to keep abreast of current trends and issues in the health care field. More importantly, we look to find alternatives to managing and funding our health benefit plans on our own. Liberty Union-Thurston Local Schools has been fortunate to have been introduced to the advantages provided by the South Central Ohio Insurance Consortium (SCOIC). We now can count on the stability of costs and management control assisting both the school district and our employees as well. The SCOIC started with six Ohio public entities primarily in Fairfield County. The consortium has now grown to represent over 3,000 members. These public employers formed the consortium in an effort to accomplish the following goals: • Reduce administrative costs • Pool certain benefit costs • Better control the cost of large losses • Provide better stability in both service and cost, including adequate reserving for protection of all plans. Overall, the consortium is proving to be a very effective tool for improving the management of health benefits. Service remains excellent and the financial performance of the plan has exceeded our expectations. Our district has also been impressed with the communication maintained with our management personnel. As the current chairman of the consortium, I encourage all benefit managers of public entities to consider joining the South Central Ohio Insurance Consortium. Sincerely,

Paul Mathews SCOIC Chairman Superintendent, Liberty Union-Thurston Local Schools