Meeting Materials - State Employees Health Care Commission - May 21, 2021 - the State Employee ...

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Meeting Materials - State Employees Health Care Commission - May 21, 2021 - the State Employee ...
State Employees
Health Care Commission

     May 21, 2021

Meeting Materials
STATE OF KANSAS - STATE EMPLOYEES HEALTH CARE COMMISSION
                               AGENDA
                         May 21, 2021 – 2:30 PM

               The public may observe the meeting by registering here:
           https://register.gotowebinar.com/register/3851522576005400846

Welcome and Introductions by Secretary Burns-Wallace
   1. Follow-up Items from 04/27/21 Meeting (Previously Reported to Commissioners
      via email)

   2. Vision Contract Recommendation — Janet Stanek, SEHP [Action Item]

   3. 2022 Plan Design Modeling Session - Secretary Burns-Wallace
       a. EAC Subcommittee Survey Result Memo
       b. Out of Pocket Analysis Plan Years 2018-2020
       c. Employer and Employee Contribution Rates
       d. Segal Assumption Summary

   4. Wellness Program Review Date - Secretary Burns-Wallace
      a. Suggesting August 2021

Appendix
  a) Plan Year 2021 Contract Expense Projections
  b) Contract Report for Contracts Ending December 31, 2021
  c) RFP Reference Checks (Vision)
  d) EAC Survey Information

                                     Page 2
Agenda Item
    #1

    Page 3
HCC Follow-up Q&A
     April 27, 2021

          Page 4
Provide feedback from the Joint Committee on Rules &
  Regulations hearing regarding the Elimination of the 30-day
                        waiting period
Official Report from the meeting noted the following:
    • It is unusual for an employee health care benefits plan to make employees eligible for
      coverage at the start of employment and expressed concern over the change
    • No surrounding state government offers a similar day-of-employment health plan benefit
    • Private industries also are facing challenges in finding employees
    • The Committee requests cost figures for each of the groups covered by the SEHP, with specific
      information on the numbers used and the calculations made*
*This information was provided by SEHP legal counsel ahead of the meeting
SEHP Notes:
• One committee member stated the benefit package was limited for state employees and this
  could be a positive
• A follow up letter has been drafted by SEHP leadership and is being reviewed by legal counsel
  prior to forwarding to Secretary Burns-Wallace for approval/signature
                                               Page 5
Share Marathon Health Performance Guarantees (1 of 5)

                                                                                                   Kansas Department of Administration
                                                                                                           Performance Guarantees
                                                                                                                  Exhibit 1A

Clinic utilizers = 2+ visits in contract year May 2019 - April 2020

On-Site Clinic Performance Guarantees

                                                                       Measurement                              Service Level Target                      Year 1 Result          Assessment        Amount at Risk       Refund
    PerformanceStandard

Financial                                                                                                                                                                                          $   292,230.75

                                                         Compare risk adjusted** PMPM of all clinic
                                                                                                           Net Return on Investment of 1.0for
                                                       utilizers to non-participating group actual costs
                                                                                                           CY2018, 1.25 for CY2019 and 1.5 for
                                                      or benchmark costs for control group. Please see                                             N/A Participation target
                                                                                                                       CY2020+.                                               Net ROI shortfall.        N/A         $            -
                                                             detailed write-up of the methodology.                                                  notmet (8.5% vs. 20%
 Cost Savings for all participants using the clinic                                                                                                 target)
                    (Exhibit B)

                                                      ** Risk Adjustment is a statistical method thatis
                                                      commonly used in order to be able to compare         ROI is null and void if less than 20%
                                                        populations with similar demographics and                      participation.
                                                                chronic disease risk factors.

                                                                                                                        Page 6
Share Marathon Health Performance Guarantees (2 of 5)

    PerformanceStandard                                   Measurement                             Service Level Target                    Year 1 Result                 Assessment         Amount at Risk     Refund

                 Clinical

                                           Percent of eligible participants that use        90% of eligible participants who      80.1% (1018 / 1271)
     Personal Health Assessment survey                                                       have had at least one annual                                           5% of amount at risk   $       14,612 $        14,612
                                                    theclinic complete the PHA                                               (ADD TOTAL COMPLETING HRA)
              completion rate                                                                  visitwith a provider have
                                                                                                    completed PHA

                                             Percent of contracted eligible members
                                          withina 30-mile radius of the Wellness Center
                                                                                            10% for CY2018, 15% CY2019           1.6% w 2+ visits (255/15508),
                                                     with two annual visits.                                                                                        5% of amount at risk   $       14,612 $        14,612
                                                                                               and 20% for CY2020+.              1319 (8.5%) had at least 1 visit
Eligible members withtwo annual visits
                                            *Geomapping will be revisited annually.

                                                                                             Of clinic utilizers who smoke,
                                                Percent of clinic utilizers, who are        achieve a quit rate (smoke free              34.6% (18/52)              5% of amount at risk   $       14,612 $            -
              Smoking Cessation                      smokers,achieve specified quit          >90 days) of 3% CY2018, 4%
                                                                   rates.                     CY2019 and 5% CY2020+.
                                                                                               Of clinic utilizers who are
                                          Percent of clinic utilizers, who are overweight    overweight or obese, achieve                8.3% (29/350)              5% of amount at risk   $       14,612 $            -
                                           or obese achieve specified reduction in BMI.       5%weight reduction in 3%
              Reduction in BMI                      Patients with BMI > 24.9.                            CY2018,
                                                                                             4% CY2019 and 5% CY2020+.
              Cancer Screenings
                                                                                             Of clinic utilizers, achieve sex-
          *Contractor will document      Percent of clinic utilizers who achieve sex- and   andage-appropriate breast and
            “referred/declined”             age- appropriate breast and colon cancer        colon cancer screening referral             62.7% (541/863)             5% of amount at risk   $       14,612 $        14,612
             for members who             screenings based on the specified percentages.        rates in 75% CY2018, 80%
             refuse screenings                                                                   CY2019, 85% CY2020+

                                                                                                       Page 7
PerformanceStandard                   Measurement                             Service Level Target                         Year 1 Result         Assessment          Amount at Risk       Refund

                Clinic Utilizers
                Clinical Goals
                                                                                     ≥ 75% of clinic utilizers with diabetes will be
                                                                                    at the standard ofcare (or not applicable) for
                                                                                                           4 out
                                                                                                            of 5:
                                                                                                   Annual Foot Exam,                     39.4% (13/30)
                                              Percent of clinic utilizers with
                                                                                                    Annual Eye Exam,
                                           diabetes will achieve the minimum                                                                               10% of amount at risk   $     29,223.08 $         29,223

   Share
                     Diabetes
                                                                                                    Annual Influenza,
                                               specified standard ofcare.
                                                                                             Pneumococcal at least once,
                                                                                               Annual Hemoglobin A1c.

 Marathon
                                                                                                     A1c≤ 7.0=10%
                                                                                             CY2018 12.5% CY2019, 15%                    12.1% (4/33)
                                                                                                        CY2020+.

   Health                                                                                   Of clinic utilizers with elevated
                                                                                                            BPs,

Performance
                                                                                           ≥ 30% of population meets this
                                                                                                    standard CY2018
                                                                                           ≥ 35% of population meets this              SBP 57.1% (36/63)

 Guarantees
                                          Percent of clinic utilizers with                          standard CY2019                                        5% of amount at risk    $       14,612   $
                    Hypertension               hypertension,achieve the
                                                                                           ≥ 40% of population meets this
                                               specified percentages.                                                                                                                               -
                                                                                                   standard CY2020+.

  (3 of 5)                                                                                Systolic BP > 140 will reduce by 12
                                                                                                   mm/hg or normal
                                                                                           Diastolic BP > 90 will reduce by
                                                                                                                                       DBP 63.0% (46/73)
                                                                                                  5mm/hg or normal
                                                                                    ≥ 75% of clinic utilizers with asthma will meet
                                                                                    the standard of care (or not applicable) for 4
                                                                                                           out of
                                             Percent of clinic utilizers with                                5:
                      Asthma               asthma will achieve the minimum                     Inhaled corticosteroid,                   44.9% (35/78)     5% of amount at risk    $       14,612 $          14,612
                                               specified standard ofcare.                  Short acting bronchodilator,
                                                                                                 Asthma action plan,
                                                                                                        Flu shot,
                                                                                                     Pneumovax.
                                                                                   ≥ 85% of clinic utilizers with CADwill be taking
                                        Patients currently taking an ACE-inhibitor       these two medications (or have
               Coronary ArteryDisease             and astatin (unless                                                                     14.3% (1/7)      5% of amount at risk    $       14,612 $          14,612
                                                                                           contraindications identified)
                                                  contraindicated)

                                                                                            Page 8
Share Marathon Health Performance Guarantees (4 of 5)

     Performance                          Measurement                              Service Level Target                  Year 1 Result                 Assessment          Amount at Risk       Refund
       Standard

    Utilization
                                                                           For clinic utilizers, 20% reduction                                     5% of amount at risk    $       14,612 $         14,612
                                                                                                                   -10.4% (220.5 baseline to
        ER Visits                                                           from prior year before program
                         Percent reduction in ER visits per 1,000 patients                                             197.7/1000 in Y1)
                                                                                implementation (2017)

                                                                             For clinic utilizers, 5% reduction                                    5% of amount at risk    $       14,612   $            -
                          Percent reduction in hospital admissions per                                             -17.6% (36.3 baseline to
  Hospital Admissions                                                        from prior year before program
                                        1,000 patients                                                                 29.9/1000 in Y1)
                                                                                 implementation (2017)

                                                                             For clinic utilizers, 20% reduction                                   10% of amount at risk   $       29,223 $         29,223
                           Percent reduction in primary care visits per
  Primary Care Visits                                                         from prior year before program       Office (PCP and Specialty
                                       person per year
                                                                                  implementation (2017)          Combined) cost - 10.5%, service

                                                                             For clinic utilizers, 20% reduction                                   5% of amount at risk    $       14,612 $         14,612
                         Percent reduction in specialist visits per person                                         (not unique visit) volume
    Specialists Visits                                                        from prior year before program
                                            per year                                                                  decreased by -2%
                                                                                  implementation (2017)

                                                                                                       Page 9
Share Marathon Health Performance Guarantees (5 of 5)
     Performance
       Standard                           Measurement                             Service Level Target              Year 1 Result       Assessment          Amount at Risk       Refund

   Operational

 All contracted on-site Measured by Contractor's report of initial 'go-
  clinic services shall    live' readiness, reported no later than 5       100% of contracted on-site clinic
  take effect/ go live business days prior to the initial 'go-live' date; services will be fully operational on      Target met     10% of amount at risk   $       29,223   $            -
       and be fully       and SEHP's service experience during the         the go live date(s) as specified in
  operational on the                  month following the                            the Contract.
 initial go live date(s).                'go-live' date.

                        Contractor must provide transmittal of relevant Contractor will provide accurate
                         data to any third-party vendor(s) or others as data feeds within mutually agreed            Target met     5% of amount at risk    $       14,612   $            -
 Transmittal ofrelevant
                           identified by SEHP. This standard shall be    time frame(s) to be determined
         data
                          reported to SEHP monthly and measured in      after assessing the needs of SEHP
                         concurrence with the data feed frequencies.             and its vendors.

                           Contractor must provide Standard             Measured by SEHP's date of
                      Management Reports no later than 30 days           receipt. Data files shall be
 Create and generate following the end of the reporting period (i.e., submitted no later than 30 days                Target met     5% of amount at risk    $       14,612   $            -
      Standard       quarterly, monthly, annually) unless discussed following the end of the reporting
 ManagementReports      and mutually agreed upon. Reports to be       period (i.e., quarterly, monthly,
                      defined and mutually agreed upon at a later      annually) unless discussed and
                                          date.                            mutually agreed upon.

  Patient Satisfaction    Achieve a minimum percent of satisfaction or ≥ 90% of patients will be satisfied                                                                   $            -
                                                                                                                      95.5% (784)   5% of amount at risk    $       14,612
         Rates            better (defined as “top two-box” satisfaction/ Or highly satisfied based on survey
                                                   Performance Guarantee penalties will not exceed 15% of total fees.                                       $      292,231   $      160,727   Page 10
Explain How Marathon is defining N (number of eligible patients)
          in the Engagement by Department report

   • The Employee count comes from the eligibility file that the SEHP
     sends to Marathon on a monthly basis
   • The number of enrollees on this file fluctuates
   • The employees on this file are those that answered ‘yes’ to the
     question about living or working in the 5-county Topeka Metropolitan
     Statistical Area (MSA) in the Member Administration Portal (MAP)
     that is used for new employee and annual open enrollment into the
     health plan

                                    Page 11
Provide an update of the Annual Audits

The following areas are audited by an audit firm that is approved by the HCC
on an annual basis:
•   Medical Claims/Process - BCBSKS (Random sample claims audit and operational review)
•   Medical Claims/Process - Aetna (Random sample claims audit and operational review)
•   Dental Claims/Process – Delta Dental (Random sample claims audit and
    operational review)
•   Dependent eligibility verification audit (To confirm the eligibility of dependents covered by
    the State Employee Health Plan)
•   Premium Reconciliation (Audit of State, Non State and Direct Bill employer and employee
    premiums paid to the SEHP )
•   Pharmacy Benefits Manager (Audit of Pricing and Fees; Reconciliation of Pricing
    Guarantees; Benefit Payment Accuracy Review; Manufacturer Rebates; Pharmacy Payment
    Verification; Network Pharmacy Contract Audit)

Completed audits are available on the SEHP website here.
                                                           Page 12
Pharmacy Audit:
     Provide pharmacy actuals for 2018-2019 calendar year
   Share audit report with commission and reconcile numbers

• Segal is comparing their report to the audit numbers and the
  Commission will get an update on the disparity between the two sets
  of numbers at a future meeting
• 2018 and 2019 audits are complete, but payment has not yet been
  received for the money owed back to the State
• These audits are posted on the SEHP website executive-summary-
  final-2021-03-26.pdf (ks.gov)

                                 Page 13
Provide an analysis for the reserve language in HB2218

•   The bill amends the statutory reporting requirements to include a report to the
    legislature including recommendations with respect to the SEHP, along with
    estimates of the cost of the program proposed by the HCC including a 5-year
    (vs. 3 year) projection of the cost of the program
•   The recommendations shall include a report on the current and projected
    reserve balance, including as a percentage of total plan expenses
•   For any reserve balance over 10% of the average plan expenses for the
    immediately preceding three plan years, the HCC shall provide
    recommendations for reducing reserves by minimizing increases to employee
    contributions or cost sharing requirements
•   The HCC shall include alternatives for cost containment and benefit coverage for
    the proposed program and the 5-year projected program
•   An analysis of what this report would look like today is being reviewed by Segal,
    and will be reviewed at the next available HCC meeting

                                        Page 14
Proceed with the next steps for a
             Diabetes Management Program RFP.

• The SEHP staff will work on an RFP for consideration/review in the
  coming months.

                                  Page 15
Provide Additional research for the
       Heart Health and Smoking Cessation Options

• Heart Health programs targeted at Hypertension and Hyperlipidemia
  chronic conditions. Focus on monitoring condition, coaching services,
  and nutrition guidance to improve metrics.

• Smoking Cessation programs targeted at Tobacco users. Focus on
  campaign to improve awareness, promote usage of program and
  develop measurable results from program.

                                 Page 16
Provide a summary of what is currently offered
        regarding the Smoking Cessation Program

• Tobacco Cessation programs are covered by the SEHP at no cost to
  members. Coverage includes generic and brand name products for
  nicotine replacement/substitute and cessation programs
• Coverage for Tobacco Cessation products are provided at no cost to
  members for up to 180 days per year. In addition, a member is
  provided up to 3 "cessation programs" per lifetime at no cost
• Coverage for counseling services at network providers for Tobacco
  Cessation are also covered at no cost to SEHP members (unlimited)
• A typical Tobacco Cessation program is 3 months; however, 6-month
  programs are also included in the SEHP benefit plan at no cost
                                 Page 17
Provide a summary of the No Surprise Billing Act

Federal Level:
• On Dec. 27, 2020, the No Surprises Act was signed into law as part of the Consolidated
  Appropriations Act of 2021 (H.R. 133; Division BB – Private Health Insurance and Public
  Health Provisions). The No Surprises Act addresses surprise medical billing at the federal
  level. Most sections of the legislation go into effect on Jan. 1, 2022.
• Protects patients from receiving surprise medical bills resulting from gaps in coverage for
  emergency services and certain services provided by out-of-network clinicians at in-
  network facilities, including by air ambulances.
• Holds patients liable only for their in-network cost-sharing amount, while giving
  providers and insurers an opportunity to negotiate reimbursement.
• Allows providers and insurers to access an independent dispute resolution process in the
  event disputes arise around reimbursement. The legislation does not set a benchmark
  reimbursement amount. 
• Requires both providers and health providers and health plans to assist patients in
  accessing health care cost information.
detailed-summary-of-no-surprises-act-advisory-1-14-21.pdf (aha.org)
                                                         Page 18
Provide a summary of the No Surprise Billing Act (continued)

 State of Kansas HB2325:
 • Would enact the End Surprise Medical Bills Act and would prohibit a health benefit plan, health insurer, or
   healthcare provider to engage in balance billing practices for services provided in hospitals, ambulatory
   surgery centers, emergency rooms, and state-accredited freestanding emergency departments.
 • Would also prohibit balance billing practices for services ordered by an in-network healthcare provider and
   provided by an out-of-network healthcare provider or laboratory if the covered person relies on the health
   plan’s provider directory and the directory was inaccurate.
 • The Insurance Commissioner would enforce the Act and would be required to have rules and regulations
   established by July 1, 2022.
 • The bill would prohibit a health benefit plan, health insurer, or healthcare provider from issuing a covered
   person a surprise medical bill.
 • Under HB 2325, these groups would pay the median in-network rate under the plan or coverage, less the
   covered person’s in-network cost sharing, directly to the healthcare provider.
 • Remains as a bill in committee and next discussion scheduled for 5/26/21
 hb2325_00_0000.pdf (kslegislature.org)

                                                     Page 19
Agenda Item
    #2

    Page 20
Vision Benefit Contract
May 21, 2021
Health Care Commission Meeting

                                 Page 21
The vision benefit is a fully insured
           product that provides members
Vision     with coverage for frames, lenses,
Overview   contacts and eye exam coverage
           for those members not enrolled in
           a medical plan.

             Page 22
RFP Dates

    November 23, 2020          December 23, 2020
                                                         February 19, 2021
     Provided to the         RFP was posted for public
                                                         RFP bidding closed
Commissioners for Comments             bids

                                      Page 23
Bidders
Four bids were received
   1.   Avesis a Guardian Company
   2.   Metropolitan Life Insurance Company
   3.   Surency Vision
   4.   Vision Service Plan Insurance Company (VSP)

A finalist meeting was held with all four companies along with
communications to address various parts of the bid
                                         Page 24
Determine the company can administer the
                       dental program for a group the size of Kansas

                       Provider Network

Bid                    Services provided to the health plan
Evaluation
                       Customer service

                       Reporting

             Page 25
Services Included for Vision Benefit

• Network Access
• Claims processing
• Reporting
• Member Portal
• Health Plan administration Portal
• Member Communications
• ID Cards
• Benefit booklet

                                      Page 26
Monthly Premium Cost
      Employee Pays 100% of the Premium

                      Enrollment as of Surency Current
BASIC Plan               3/1/2021           Rates        Avesis   MetLife/ Superior Vision   Surency   VSP*

Employee Only              5,762            $3.68        $2.88             $4.24              $3.68    $3.29

Employee + Spouse          1,050            $7.22        $5.84             $8.31              $7.21    $6.45

Employee + Children        1,499            $6.52        $6.32             $7.51              $6.51    $5.82

Employee + Family          1,302           $10.06        $8.68            $11.58             $10.05    $8.98

Direct Bill                646              $3.68        $2.88             $4.24              $3.68    $3.29

ENHANCED Plan

Employee Only             13,403            $7.24        $5.84             $8.19              $7.24    $6.12

Employee + Spouse          4,057           $14.30        $10.80           $16.17             $14.29    $12.09

Employee + Children        3,738           $12.90        $12.70           $14.59             $12.89    $10.91

Employee + Family          3,535           $20.00        $16.36           $22.62             $19.99    $16.91

Direct Bill                1,718            $7.24        $5.84             $8.19              $7.24    $6.12    Page   27
Recommendation

• Surency Vision is the incumbent and has administered the Vision Benefit
  program for the health plan for six years.
• Avesis has provided vision, dental, and hearing care benefit solutions for
  more than 40 years. Avesis programs cover nearly 9,000 client groups
  across the country, including more than 700 government clients. This
  equates to 36% of their total insured vision members and 10% of their total
  clients served. Avesis’ current group vision clients include 13 government
  clients with more than 5,000 members each. They have the State of
  Arizona, which has more than 200,000 members and has been an Avesis
  group vision client since 2001.
• Avesis provides the member with the lower premium cost along with the
  current benefit design for the members.
                                     Page 28
Recommendation (continued)

• Avesis has extensive experience building networks on demand for important client partners. The timing of
  this network build is ideal, as Avesis is currently augmenting their Kansas vision provider network for a
  prominent Kansas Medicaid managed-care organization and its 100,000+ enrollees.
• Avesis will continue to build out their network and Avesis offers the following performance guarantees:
    • Standard: Avesis commits to recruit and contract the provider locations responsible for 85% of SEHP’s
      claims in 2019 and 2020. These are the minimum number of provider locations Avesis is targeting to add
      to the existing network by October 1, 2021. To deliver access to all corners of the state, Avesis will make
      it a priority to recruit smaller practices in the more rural communities.
    • Performance Guarantee: If the network is deficient from the above standard as of October 1, 2021,
      Avesis will issue a $35,000 credit to SEHP. For each subsequent month that the network recruitment
      standard is not achieved, Avesis will credit the SEHP an additional $15,000 per month—up to an
      additional $90,000—for a maximum recruitment penalty of $125,000.
• The health plan has changed vendors twice over the past several years and both new vendors have built out
  their networks to meet the needs of the health plan members.
• The SEHP recommends Avesis be awarded the contract for the next 3-year period beginning January 1, 2022.
                                                                                                             Page 29
Agenda Item
    #3

    Page 30
MEMORANDUM

TO:             Health Care Commission
FROM:           Natalie Yoza, Employee Advisory Committee (EAC) President and Hannah Rich,
                EAC Vice President
DATE:           May 13, 2021
SUBJECT: EAC Recommendations for Plan Year 2022 Plan Design

At its March 12, 2021, meeting the Employee Advisory Committee (EAC) reviewed data from the 2020
EAC survey of health plan respondents to identify the following priorities for the Health Care
Commission’s (HCC) consideration when making Plan design decisions for Plan Year 2022. The EAC
unanimously voted to recommend the following priorities for consideration based on the survey data
and the extensive work of the EAC Subcommittee charged with reviewing that data.

As part of the survey, active State employees were asked to rate their satisfaction with seven Plan
features—premium, out-of-pocket maximum, deductible, cost to access primary care providers, cost to
access specialists, cost of an ER visit, and the HSA/HRA feature (except for Plan A participants that do
not have the HSA/HRA options). Active State employees were also asked to report the importance of
the same seven features when selecting a health plan. Comparing the response data from these two
questions comprises the primary supporting data for the EAC’s recommendations. Response data from
these questions is provided as an appendix to this memo.

      1. Reduction of out-of-pocket maximum (OOP maximum)
            a. The OOP maximum was ranked lowest in satisfaction of Plan features with a combined
                52 percent of respondents either dissatisfied or very dissatisfied. It was also rated the
                third most important feature to members with 98.8 percent of respondents choosing
                either very important or somewhat important. This led the EAC to consider it a prime
                target for Plan adjustments.
            b. Per State Employee Health Plan (SEHP) records, only two to four percent of members
                annually have medical costs high enough to reach the OOP maximum. However, it is
                our observation that the possibility of a major medical event causing a member to owe
                the full OOP maximum causes significant anxiety among members.

                                                 Page 31
c. In addition to answering the survey questions, survey respondents were invited to
          provide open-ended feedback. Responses from Plan C members repeatedly expressed a
          desire for Plan C to return to the previous OOP maximum equal to the deductible, or in
          other words, a 0% coinsurance.
       d. RECOMMENDATION: Due to the high proportion of dissatisfaction in this feature and
          the potential to significantly reduce member anxiety with a lower potential cost to
          members than adjusting other features, the EAC recommends lowering the OOP
          maximum be considered the top priority during Plan adjustments.

2. Reduction of Plan deductible
      a. The second highest level of employee dissatisfaction reported on the survey was with
          the deductible with a combined 43 percent of respondents dissatisfied or very
          dissatisfied. It was ranked the second most important feature—just ahead of OOP
          maximum. The difference in importance between these two features was a margin of
          less than 1%, indicating similar member feelings for both.
      b. Of all survey respondents, 55.6 percent are enrolled in Plans C or N. These Plans are
          qualified high-deductible healthcare plans (HDHP), which have federally regulated
          minimum individual and family deductibles.
      c. Fewer than three percent of all survey respondents are enrolled in Plans J or Q, the low-
          deductible plan offerings.
      d. RECOMMENDATION: Due to the high proportion of both dissatisfaction and relative
          importance of this feature among survey respondents, as well as recognition of federal
          regulations governing HDHP deductibles, the EAC recommends lowering of the
          individual and family deductibles be considered a priority for Plans A, C, and N.

3. Reduction or maintenance of semi-monthly premiums
      a. Semi-monthly premiums were ranked second highest in satisfaction for Plan features
          with a combined 76.2 percent of respondents either satisfied or very satisfied. However,
          it was also ranked highest in relative importance by respondents, with 99.3 percent of
          respondents choosing either very important or somewhat important.
      b. Historically, when projecting annual claims and contribution figures, the SEHP actuarial
          model assumes a four percent annual increase to employee and employer contributions.
          However, in both 2020 and 2021 Plan years, HCC was able to hold employee premiums
          steady or reduce premiums for some coverage types. This is, of course, the most popular
          option among Plan members, but we do recognize that decreases to the OOP maximum
          or deductibles may necessitate an increase in premiums.
      c. RECOMMENDATION: As decreases to OOP maximum and deductible occur, the EAC
          understands that increases to cost-sharing may need to occur elsewhere. Although a
          decrease to OOP maximum, deductible, and premiums would be happily welcomed by
          Plan members, the survey response data indicates that a modest increase in premiums
          would be accepted by Plan members in exchange for lower cost-share in other Plan
          features. If an increase in premiums is required, it should be noted that State employees
          will not be receiving a Cost of Living Adjustment (COLA) this year. Ensuring the Plan
          is affordable for all members and their families continues to be a high priority, so
          minimal increases are preferred.

                                          Page 32
Out Of Pocket Analysis 2018 to 2020
                                 2020                                                    2019                                                    2018
         Total Member       Individual     % of Total Member            Total Member    Individual     % of Total            Total Member Individual Members % of Total
          Only Count      Members who          Only Count                Only Count   Members who      Member                Only Count for who reached the   Member
          Enrolled on    reached the OOP                                 Enrolled on reached the OOP     Only                 Enrolled on      OOP Max.      Only Count
          Dec. 1, 2020        Max.                                        De. 1 2019      Max.          Count                 Dec. 1, 2018

Plan A         28,562        1,024               3.6%          Plan A        30,947       1,289          4.2%       Plan A      35,896           1,401           3.9%
Plan C         36,278        1,146               3.2%          Plan C        35,320       1,746          4.9%       Plan C      36,314           1,724           4.7%
Plan J          1,455          37                2.5%          Plan J         1,471         33           2.2%       Plan J       1,299             16            1.2%
Plan N          6,581         188                2.9%          Plan N         6,459        174           2.7%       Plan N       5,081            129            2.5%
Plan Q          1,075          41                3.8%          Plan Q           917         23           2.5%       Plan Q        558              13            2.3%
Total          73,951        2,345               3.2%          Total         75,114       3,265          4.3%       Total       79,148           3,283           4.1%

                                2020                                                    2019                                                     2018
         Member +1 or Member +1 or more % of Total Member               Member +1 or  Member +1 or     % of Total            Member +1 or Member +1 or more % of Total
              more       Coverage who        +1 Count                      more       more Coverage    Member                more Contracts   Coverage who     Member +1
          Contracts as reached the Family                               Contracts as who reached the   +1 Count               as of Dec. 1, reached the Family   Count
         of Dec. 1, 2020   OOP Max.                                      of Dec. 1,  Family OOP Max.                              2018          OOP Max.
                                                                           2019
Plan A       6,056              54               0.9%          Plan A       6,704           76           1.1%       Plan A       8,516             90            1.1%
Plan C       9,411             251               2.7%          Plan C       9,128          334           3.7%       Plan C       9,670            333            3.4%
Plan J        394                6               1.5%          Plan J        397             5           1.3%       Plan J        299               3            1.0%
Plan N       1,591              29               1.8%          Plan N       1,578           30           1.9%       Plan N       1,265             12            0.9%
Plan Q        251                3               1.2%          Plan Q        223             2           0.9%       Plan Q        114               0            0.0%
Total       17,703             343               1.9%          Total       18,030          447           2.5%       Total       19,864            438            2.2%

                                2020                                                     2019                                                    2018
         Total Member      Individual      % of Total Member            Total Member    Individual     % of Total            Total Member Individual Members % of Total
         Only Count for  Members who           Only Count                Only Count   Members who      Member                Only Count for who reached the   Member
            anyone      reached the OOP                                  for anyone  reached the OOP     Only                   anyone         OOP Max.      Only Count
           enrolled          Max.                                         enrolled         Max.         Count                enrolled during
Plan A      38,799            999                2.6%          Plan A       50,981        1,289          2.5%       Plan A       61,325           1,401         2.3%
Plan C      42,695           1,083               2.5%          Plan C       51,370        1,746          3.4%       Plan C       54,373           1,724         3.2%
Plan J       1,560             37                2.4%          Plan J        1,964          33           1.7%       Plan J        1,534             16          1.0%
Plan N       6,716            186                2.8%          Plan N        8,226         174           2.1%       Plan N        6,559            129          2.0%
Plan Q       1,128             40                3.5%          Plan Q        1,192          23           1.9%       Plan Q         744              13          1.7%
Total       90,898           2,345               2.6%          Total       113,733        3,265          2.9%       Total       124,535           3,283         2.6%

                                                                              Page 33
Plan N
                              Plan A                     Plan C                       Plan J                                              Plan Q
Employee Category
                         ER              EE        ER              EE           ER              EE              ER            EE     ER            EE
                      $611.28           $79.80   $611.28         $70.40       $611.28      $105.12            $611.28 $46.50       $611.28      $52.70
Employee Only
                       (88%)            (12%)     (90%)          (10%)         (85%)        (15%)              (93%)    (7%)        (92%)        (8%)
                      $895.66          $484.22   $895.66        $252.42       $895.66      $313.02            $895.66 $172.04      $895.66     $193.00
Employee + Spouse
                       (65%)            (35%)     (78%)          (22%)         (74%)        (26%)              (84%)   (16%)        (83%)       (17%)
                      $895.66          $253.12   $895.66        $130.04       $895.66      $194.54            $895.66 $87.84       $895.66      $97.82
Employee + Children
                       (78%)            (12%)     (87%)          (13%)         (82%)        (18%)              (91%)    (9%)        (90%)       (10%)
                      $895.66          $847.76   $895.66        $425.16       $895.66      $536.30            $895.66 $306.46      $895.66     $365.00
Employee + Family
                       (51%)            (49%)     (68%)          (32%)         (63%)        (37%)              (75%)   (25%)        (71%)       (29%)

                                                                Dental                               Vision
                                                                                      Basic                    Enhanced
                      Employee Category
                                                           ER            EE      ER            EE         ER            EE

                                                        $22.64      $12.94      $0.00      $3.68         $0.00         $7.24
                      Employee Only
                                                        (64%)       (36%)       (0%)      (100%)         (0%)         (100%)
                                                        $37.96      $31.62      $0.00      $7.22         $0.00        $14.30
                      Employee + Spouse
                                                        (55%)       (45%)       (0%)      (100%)         (0%)         (100%)
                                                        $37.96      $27.88      $0.00      $6.52         $0.00        $12.90
                      Employee + Children
                                                        (58%)       (42%)       (0%)      (100%)         (0%)         (100%)
                                                        $37.96      $46.62      $0.00     $10.06         $0.00        $20.00
                      Employee + Family
                                                        (45%)       (55%)       (0%)      (100%)         (0%)         (100%)

                                                                  Page 34
Kansas State Employees Health Care Commission
                                                                 Data Through March 2021
                                                                   Assumption Summary

Trend Assumptions                                              2020                 2021                2022    2023    2024
 Interest Rate on Fund Balance                                0.05%                0.05%               0.05%   0.05%   0.05%
 Admin/Contract Fee Trend/Vision Trend                        2.0%                 2.0%                2.0%    2.0%    2.0%
 Medical claim trend rate                                     5.5%                 5.5%                5.5%    5.5%    5.5%
 Prescription drug claim trend rate                           8.5%                 8.5%                8.5%    8.5%    8.5%
 Dental claim trend rate                                      3.0%                 3.0%                3.0%    3.0%    3.0%
 Medicare Advantage trend rate                                 6.0%                 6.0%                6.0%    6.0%   6.0%
Funding Rate Assumptions
Medical
 Employer % Change (eff. July 1)                                                                TRUE           TRUE    TRUE
  Employee                                                    4.5%                 3.0%                4.6%    4.6%    4.6%
  Employee + Spouse                                           4.5%                 3.0%                4.6%    4.6%    4.6%
  Employee + Child(ren)                                       4.5%                 3.0%                4.6%    4.6%    4.6%
  Employee + Family                                           4.5%                 3.0%                4.6%    4.6%    4.6%
 Employee % Change (fee. Jan 1)
  Employee                                                     0.0%                 0.0%               4.6%    4.6%    4.6%
  Employee + Spouse                                           -6.0%                -2.0%               4.6%    4.6%    4.6%
  Employee + Child(ren)                                       0.0%                  0.0%               4.6%    4.6%    4.6%
  Employee + Family                                           -6.0%                -2.0%               4.6%    4.6%    4.6%
 Non-Medicare Retiree Contrib % Change (eff. Jan 1)
  Employee                                                    -6.0%                -2.0%               4.6%    4.6%    4.6%
  Employee + Spouse                                           -6.0%                -2.0%               4.6%    4.6%    4.6%
  Employee + Child(ren)                                       -6.0%                -2.0%               4.6%    4.6%    4.6%
  Employee + Family                                           -6.0%                -2.0%               4.6%    4.6%    4.6%
Dental
 Employer % increase (eff. July 1)                            3.2%                 3.3%                3.3%    3.3%    3.3%
 Employee tier contribution % (eff. Jan 1)                    3.2%                 3.3%                3.3%    3.3%    3.3%
 Dependent tier contribution % (eff. Jan 1)                   3.2%                 3.3%                3.3%    3.3%    3.3%
Wellness Assumptions
Earned HSA/HRA Contribution ($500/$1,000)                      65%                 50%                 50%     50%     50%
Wellness Contribution Credit $40 per month                     50%                 65%                 50%     50%     50%
Reserve Targets
 IBNR Claim Reserve (% of claims)                             7.5%                 7.5%                7.5%    7.5%    7.5%
 Claim Fluctuation Reserve (% of claims)                      5.5%                 5.5%                5.5%    5.5%    5.5%

                                                                        Page 35
Agenda Item
    #4

    Page 36
APPENDIX – a

    Page 37
SEHP CONTRACTS - PY 2021 PROJECTION
                                                                                                                                                                                                                                                Open
                                                                                                                                                                                                   Contract                  HCC Decision
                                                                                                                                                                              Original Contract               Contract End                   Enrollment       PY 2021 Cost
           Contract Type                         Vendor                                Type                                       Contract Description                                            Extension                   Needed by
                                                                                                                                                                                    Term                         Date                           Time           Projection
                                                                                                                                                                                                    Term                        Date
                                                                                                                                                                                                                                              Sensitive
Medical Plan
           Medical Plan          BCBS of KS                            Medical Plan Administrator           Medical Plan - ASO                                                   2021-2023                     12/31/2023      June 2023         Y        $         11,463,103
           Medical Plan          BCBS of KS                            Medicare Supplement Insurance        Fully Insured Plans                                                  2019-2021                     12/31/2021     August 2021        Y        $          2,300,000
           Medical Plan          Aetna                                 Medical Plan Administrator           Medical Plan - ASO                                                   2021-2023                     12/31/2023      June 2023         Y        $          1,277,155
           Medical Plan          Aetna Advantage                       Medicare Advantage Insurance         Fully Insured Plans                                                  2019-2021                     12/31/2021     August 2021        Y        $          1,750,000
Dental Plan
           Dental Plan           Delta Dental Plan of KS               Dental Plan Administrator            Dental Plan                                                          2019-2021                     12/31/2021      April 2021        Y        $           618,579
Vision Insurance
         Vision Insurance        Surency                               Voluntary Vision Insurance           Fully Insured Plans                                                  2019-2021                     12/31/2021      April 2021        Y        $          4,080,000
Prescription Drug
        Prescription Drug        CVS Caremark                          Prescription Drug Benefits           Pharmacy Benefit Management (PBM) Services                           2020-2022                     12/31/2022      June 2022         Y        $          7,317,005
        Prescription Drug        SilverScript                          Medicare Part D Drug Plan            Part D Pharmacy Coverage - Fully Insured                             2021-2023                     12/31/2023     August 2023        Y        $          3,586,222
Lab Services
                                                                       Preferred Provider Network for Lab
      Preferred Lab Services     Quest Diagnostics                                                          Lab services                                                         2021-2023                     12/31/2023      April 2023        Y        $          1,845,000
                                                                       Services
                                                                       Preferred Provider Network for Lab
      Preferred Lab Services     Stormont-Vail                                                              Lab services                                                         2021-2023                     12/31/2023      April 2023        Y        $           651,244
                                                                       Services
                                 The University of Kansas Health       Preferred Provider Network for Lab
      Preferred Lab Services                                                                                Lab services                                                         2021-2023                     12/31/2023      April 2023        Y        $           250,000
                                 System                                Services
Voluntary Benefits
                                                                                                            Provides Voluntary Accident, Critical Illness and Hospital
        Voluntary Benefits       Hartford Insurance Co.                Voluntary Benefit Insurance                                                                               2021-2023                     12/21/2023    February 2023       Y        $          3,778,173
                                                                                                            Indemnity Insurance
Long Term Care
         Long Term Care          ACSIA                                 Voluntary Long Term Care Insurance Fully Insured LTC Plan                                                 2016-2018        2019-2021    12/31/2021    February 2021                $           300,000
Health Savings Account (HSA) & Health Reimbursement Accounts (HRA)
                                                                                                                                                                                                                                                                HSA: $185,000
                                                                       Health Savings Accounts              Provides third-party administration for the State of Kansas
            HSA & HRA            NueSynergy                                                                                                                                      2019-2021                     12/31/2021      April 2021        Y
                                                                                                            HSA & HRA
                                                                       Health Reimbursement Accounts                                                                                                                                                             HRA: $57,600

Flexible Spending Accounts
                                                                       Cafeteria Plan/Flexible Spending     Provides third-party administration for the State of Kansas
   Flexible Spending Accounts    NueSynergy                                                                                                                                      2020-2022                     12/31/2022    February 2022       Y        $           190,000
                                                                       Accounts                             Flexible Spending Accounts
COBRA Administration
    COBRA Administration       TASC                                    COBRA admin.                         Provides COBRA administration and billing services                   2019-2021                     12/31/2021    February 2021       Y        $           110,000
Actuarial and Consulting Services
                                                                                                            Provides consulting and actuarial services to the SEHP and
Actuarial and Consulting Services Segal                                Consulting and Actuarial Services                                                                         2016-2018        2019-2021    12/31/2021      June 2021                  $           300,000
                                                                                                            HCC
Transparency Tool
                                                                                                            Online Drug Transparency Tool, Text & Telephonic Customer
Transparency Tool                Rx Savings Solutions                  Pharmacy Transparency Tools                                                                               2021-2023                     12/31/2023    February 2023                $          1,600,000
                                                                                                            Support Services
Audit Services
Audit                            Sagebrush                             SEHP Audit                           Provides audit services of SEHP vendors and services                 2021-2023                     12/31/2023      June 2023                  $           225,500
Data Administration
                                                                                                                                                                                                  2015-2016
                                                                                                            Year-round enrollment and health plan changes for State
Data Administration              iTEDIUM                               ITS Web Hosting Enrollment                                                                                2011-2014        2017-2019    12/31/2022      April 2022        Y        $           250,000
                                                                                                            Employees, Non State Employees and Direct Bill Members
                                                                                                                                                                                                  2020-2022

                                                                                                            User licenses, user training, and data extract and analysis for
Data Administration              Gain                                  Data Warehouse                                                                                            2017-2022                     12/31/2022    KDHE Contract                $           359,000
                                                                                                            SEHB

Employee Assistance Program
                                                                                                            Service include no cost counseling up to 8 sessions, telephonic
EAP                              ComPsych                              Employee Assistance Program          support for legal, financial and family support and online           2020-2022                     12/31/2022      April 2022        Y        $          3,750,000
                                                                                                            resource center
Onsite Medical Center

                                                                                                            Provides medical are, lab services and immunizations, mental
Onsite Medical Center            Marathon Health                       Onsite employee health center        health & coaching services for employees and their covered           2018-2021                     12/31/2021      June 2021                  $          2,400,000
                                                                                                            dependents on the SEHP

Wellness

                                                                                                            Furnishes health risk appraisals, health screening, health
Wellness                         Cerner Wellness                       HealthQuest Wellness Program         coaching, disease management, and other related services to          2019-2022                     6/30/2022     February 2022       Y        $          2,400,000
                                                                                                            the 88,000 covered lives of the SEHB recipients

Wellness                         Holmes Murphy -NS412                  Naturally Slim Weight Loss           Provides a weight loss program                                       2017-2019        2020-2022    12/31/2022    February 2022       Y        $          2,300,000
                                 CBIZ Benefits & Insurance Services,
Wellness                                                               Wellness Consultant                  Planning and implementation of SEHP HealthQuest programs             2015-2018        2019-2021    12/31/2021      June 2021                  $            20,400
                                 Inc.
Memorandum of Understanding
         Flu Immunization        KDHE                                  On-site Flu Shot Clinics             On-site flu shot immunizations                                          2020                       12/31/2020      Feb 2021                   $           150,000

                                                                                                                                     Page 38
APPENDIX – b

    Page 39
Contracts Ending In 2021

                                                                                                   Provide to the HCC
                                                                                                   for Comments Prior     Projected Public       Actual Public Posting Public Posting Bid
                                                                                                                                                                                              Open          HCC                      Projected
                                                                                                     to Posting with     Posting Bid Date by     Date Provided by the End Date Provided                               Single or                Contract
                                                                                                                                                                                            Enrollment    Decision                   length of
    Contract Name                          Description                          Expiration Date    Comments back two        the Office of              Office of        by the Office of                             multi-vendor              Awarded
                                                                                                                                                                                               Time      Needed by                      the
                                                                                                     weeks after the      Procurement and          Procurement and     Procurement and                                 award                   by HCC
                                                                                                                                                                                             Sensitive      Date                     contract
                                                                                                     Documents are            Contracts               Contracts            Contracts
                                                                                                        Provided
                        Long term care (LTC) is the assistance a person
                        may need with the basic activities of daily living –
                        eating, bathing, dressing, transferring, toileting,
                        and continence. It can also include supervision
Voluntary Group Long    needed to protect a person’s health and safety.                                                     Third Week of                                                                            Single Vendor              Contract
                        LTC consists mainly of personal care rather than       December 31, 2021    October 28, 2020                              November 20, 2020    December 17, 2020       No         Feb-21                      3 years
Term Care                                                                                                                    November                                                                                    Award                  Extended
                        medical care, which is typically covered by a
                        health plan. Long Term Care Insurance provides
                        payment toward LTC services and nursing
                        home confinement.

                     The      Consolidated        Omnibus       Budget
                     Reconciliation Act (COBRA). Provides the
                     employee the right to choose to continue group
                     health benefits for limited periods of time under                                                                                                                                               Single Vendor
COBRA Administration                                                           December 31, 2021    October 28, 2020    First week of December    November 24, 2020      January 5, 2021       Yes        Feb-21                      3 years     Yes
                     certain circumstances such as voluntary or                                                                                                                                                          Award
                     involuntary job loss, reduction in the hours
                     worked, transition between jobs, death, divorce,
                     and other life events.

                        Provides thenetwork and dental claims                                                           Week of December 7,                                                                          Single Vendor
                                                                               December 31,2021    November 23, 2020                              December 23, 2020     February 18, 2021      Yes        Apr-21                      3 years     Yes
                        processing for the health plan                                                                         2020                                                                                      Award
Dental ASO Contract

                        Vision insurance covers eye exams,
                        eyeglasses, lens and contact lens. It is a
                                                                                                                        Week of December 7,                                                                          Single Vendor
                        fully insured product with the vendor                  December 31,2021    November 23, 2020                              December 23, 2020     February 19, 2021      Yes        May-21                      3 years
                                                                                                                               2020                                                                                      Award
                        providing the network and coverage for
Vision Insurance        eligible claims.

                        The health plan actuary deals with the
                        measurement and management of risk and
                        uncertainty. Some items they provide:                                                                                                                                 Highly
                        forecast trends, premium rates, plan design,                                                                                                                        Dependent
                                                                                                                                                                                                                     Single Vendor
Actuarial Consulting    budget to actual reporting, RFP evaluation,            December 31, 2021      February 2021       Early March 2021          March 9, 2021         April 15, 2021     on 2022      Jun-21                      3 years
                                                                                                                                                                                                                         Award
                        trend reports, prescription drug Program                                                                                                                             Actuarial
                        regarding pricing and rate setting,                                                                                                                                   work
                        calculation of GASB 43/45 liabilities and
                        other GASB requirements

                        Provides the administration services for the
                                                                                                                                                                                                                     Single Vendor
HSA/HRA Account         Health Savings Account and Health                      December 31, 2021   December 17, 2020    Third Week of January      January 20, 2021      March 2, 2021         Yes        Apr-21                      3 years
                                                                                                                                                                                                                         Award
Administration          Reimbursement Account.

                        Provides coverage for the copays and the
                        coinsurance related to Medicare-covered
Medicare Supplement     hospital, skilled nursing facility, home health                                                                                                                                              Single Vendor
                                                                               December 31, 2021      April 30, 2021      Third week of May              TBD                  TBD              Yes        Sep-21                      3 years
Insurance               care,     ambulance,       durable     medical                                                                                                                                                   Award
                        equipment, and doctor charges under
                        Medicare Parts A and B

                                                                                                                        Page 40
Contracts Ending In 2021

                                                                                          Provide to the HCC
                                                                                          for Comments Prior    Projected Public     Actual Public Posting Public Posting Bid
                                                                                                                                                                                  Open          HCC                      Projected
                                                                                            to Posting with    Posting Bid Date by   Date Provided by the End Date Provided                               Single or                Contract
                                                                                                                                                                                Enrollment    Decision                   length of
    Contract Name                     Description                      Expiration Date    Comments back two       the Office of            Office of        by the Office of                             multi-vendor              Awarded
                                                                                                                                                                                   Time      Needed by                      the
                                                                                            weeks after the     Procurement and        Procurement and     Procurement and                                 award                   by HCC
                                                                                                                                                                                 Sensitive      Date                     contract
                                                                                            Documents are           Contracts             Contracts            Contracts
                                                                                               Provided
                      Medicare Advantage plans sometimes
                      referred to as Medicare Part C or MA plans
Medicare Advantage                                                                                                                                                                                       Single Vendor
                      provide all of the Medicare Part A (Hospital    December 31, 2021     3rd week of May      Early June 2021             TBD                  TBD              Yes        Sep-21                      3 years
Plans                                                                                                                                                                                                        Award
                      Ins), and Part B (Medical Ins) and members
                      can select a Part D (Prescription Drug) plan

                      Provides primary care medical services to
                                                                                                                                                                                                         Single Vendor
                      anyone enrolled in the health plan over the     December 31, 2021          TBD                  TBD                    TBD                  TBD              No          Jul-21                     3 years
                                                                                                                                                                                                             Award
Onsite Clinic         age of 2

                      Provides consulting to work directly with the
                      SEHP on all aspects of the wellness and EAP
                      program. Provide the SEHP staff with updates                                                                                                                                       Single Vendor
Wellness Consulting                                                   December 31, 2021          TBD                  TBD                    TBD                  TBD              No         Feb-21                      3 years
                      on changes in the market that may affect the                                                                                                                                           Award
                      compliance of or features of the wellness and
                      EAP program.

                                                                                                               Page 41
APPENDIX – c
   Avesis

    Page 42
Page 43
Page 44
APPENDIX – c
Met Life Superior Vision

         Page 45
Former Client Reference Check
RFP EVT 7764 for Vision Insurance
Reference for MetLife Superior Vision

1.     How long did you work with vendor for vision insurance? January 2009 through December
       2016. Are there specific features of the vision insurance that were popular with your
       employees? Members liked the nationwide provider network and thought the Superior
       website was informative/useful.
2.     Were there any issues with the vendor's performance? Not that I can recall. If so what
       type of issues did you encounter? Is there anything you would have done differently? No.
3.     Did you experience issues related to the vendor processing eligibility files? Not that I can
       recall. Were eligibility changes processed timely? Yes.
4.     Did the vendor respond timely to employee or staff questions or issues? Yes. What did
       you hear from your employees about the vendor’s service? Members found the customer
       service team to be friendly, professional and knowledgeable about the Charter plan.
5.     Did you encounter any issues with their technology, administration, or communication of
       the benefits? Not that I can recall
6.      What do you like most about working with the vendor? The account team was helpful
       and responsive. Were there any areas that you experienced challenges? Not that I can
       recall.
7.     On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
       performance? Please explain the reason for the rating. I would give them a 9. I don’t recall
       experiencing any large-scale challenges or issues and members seemed satisfied overall.

Completed by: Michelle Pallardy
Company: Charter Communications
Date: April 16, 2021

                                            Page 46
Page 47
Reference Check
RFP EVT 7764 for Vision Insurance
Reference for MetLife Superior Vision

1.     How long have you worked with Vendor for vision insurance? Are there specific features
       of the vision insurance that have been popular with your employees?
       We have worked with Superior Vison for 3 ½ years. We chose them for the expanded
       network.

2.     Have you experienced any issues with the vendor's performance? If so what type of issues did
       you encounter? Is there anything you would do differently if you had to do it again?

       We have not experiences any issues with their performance. The contracting process took
       some time. We might better define our contract requirements in the future.
3.     Have you experienced issues related to eligibility files? Do they process plan changes
       timely?
       We have not had any issues with the eligibility file. We use Workday, which has not been
       an issue for Superior. We had a few plan design changes for 9/1/2020. There were no
       issues with the changes.
4.     Does the vendor respond timely to employee or staff questions or issues? What have you
       heard from your employees about the vendor’s service?
       Superior has responded to any issues quickly. However, I have not heard of very many
       issues since inception. Employees are happy with the expanded network.
5.     Have you encountered any issues with technology, administration, or communication of
       the benefits?
       We have not.
6.      What do you like most about the company? Are there any areas that you have
       experienced challenges in working with the vendor?
       We appreciate their responsiveness. When we were looking at plan design changes last
       year, they were very quick in letting us know the cost, so we could present the different
       premiums to the committee and make an informed decision on which changes to
       implement. They also have provided good reporting on where our employees are using
       their benefit, which helped us decide the best changes to make.
7.     On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
       performance? Please explain the reason for the rating.
       I would give them a 9 with the only issue being the more than 6 months it took to complete
       the initial contract.
Completed by: Sheri Meyer, Associate Director
Company: Texas A&M University System
Date: April 15, 2021

                                            Page 48
Former Client Reference Check
RFP EVT 7764 for Vision Insurance
Reference for MetLife Superior Vision

1.    How long did you work with vendor for vision insurance? Are there specific features of the
      vision insurance that were popular with your employees?
      Worked with Superior Vision for Vison plan for 19 years. Employees liked the claims
      processing and the vision network.

2.    Were there any issues with the vendor's performance? If so what type of issues did you
      encounter? Is there anything you would have done differently?

      No issues with Superior Vision performance, very good working relationship.
3.    Did you experience issues related to the vendor processing eligibility files? Were eligibility
      changes processed timely?
      No issues with Superior Vison files, processed timely.
4.    Did the vendor respond timely to employee or staff questions or issues? What did you
      hear from your employees about the vendor’s service?
      Superior Vision responded timely, we heard great things about Superior Vision and the
      network from employees.
5.    Did you encounter any issues with their technology, administration, or communication of
      the benefits?
      No issue with Superior Vision.
6.     What do you like most about working with the vendor? Were there any areas that you
      experienced challenges?
      Superior Vision very professional, easy to work with, no issues working with them.
7.    On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
      performance? Please explain the reason for the rating.
      Superior Vision a 10, great customer service, worked well with our enrollment platform
      and the payroll centers, claims processed timely.

Completed by: Robert Kelley
Company: Office of State HR
Date: 4-13-2021

                                            Page 49
Reference Check
RFP EVT 7764 for Vision Insurance
Reference for MetLife Superior Vision

1.    How long have you worked with Vendor for vision insurance? Are there specific features
      of the vision insurance that have been popular with your employees?
      We became a customer of Superior Vision on January 1, 2018. The ease of the plan and
      the provider network has been well received by our employees.

2.    Have you experienced any issues with the vendor's performance? If so what type of issues did
      you encounter? Is there anything you would do differently if you had to do it again?

      We have not experienced any issues with the vendor’s performance. They are great to
      work with and are always very responsive. They are proactive in providing wellness related
      resources and keep us abreast of any internal changes within their organization. We would
      not do anything differently and would certainly choose Superior Vision as our vision vendor
      again.
3.    Have you experienced issues related to eligibility files? Do they process plan changes
      timely?
      There have been no issues related to eligibility files. Plan changes are processed weekly
      via an electronic integration file. There has been no feedback from plan participants
      regarding eligibility, nor enrollment issues.
4.    Does the vendor respond timely to employee or staff questions or issues? What have you
      heard from your employees about the vendor’s service?
      I cannot recall a situation where we have received feedback from an employee regarding
      service or customer service for this vendor. No news is good news!
5.    Have you encountered any issues with technology, administration, or communication of
      the benefits?
      Employees have the capability to access their coverage details, print ID cards, submit
      claims, etc, directly on the website. The Benefits Department also has access to employee
      data and billing on the website. We have not encountered any issues.
6.    What do you like most about the company? Are there any areas that you have
      experienced challenges in working with the vendor?
      The ease of administration, minimal questions and lack of negative feedback from
      employees makes our jobs easier and confirms that this vendor is a great partner for Old
      Dominion and our employees.
7.    On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
      performance? Please explain the reason for the rating.
      Based on responses above I would rate this vendor a 10!

                                           Page 50
Completed by: Beverly Boyd
Company: Old Dominion Freight Line
Date: April 13, 20201

                                     Page 51
APPENDIX – c
Surency

    Page 52
Page 53
Reference Check
RFP EVT 7764 for Vision Insurance
Reference for Surency

     1.      How long have you worked with Vendor for vision insurance? Are there specific
             features of the vision insurance that have been popular with your employees?
             At least since 2016 when I joined the team
2.        Have you experienced any issues with the vendor's performance? If so what type of issues
          did you encounter? Is there anything you would do differently if you had to do it again?
          No, we have not had any account manager or employee experience related to Surency’s
          performance. Our benefits team and employees are satisfied with our relationship and
          programs with Surency.
3.        Have you experienced issues related to eligibility files? Do they process plan changes
          timely?
          None.
4.        Does the vendor respond timely to employee or staff questions or issues? What have you
          heard from your employees about the vendor’s service?
          We never hear from employees regarding complaints or issues with Surency. We are
          happy with the customer service they provide to our employees and staff. We also receive
          very timely updates as a benefits team. We have worked with the same account
          management team for many years. The consistency in their team is very helpful as they
          know our company and plans very well.
5.        Have you encountered any issues with technology, administration, or communication of
          the benefits?
          None.
6.         What do you like most about the company? Are there any areas that you have
          experienced challenges in working with the vendor?
          Our employees utilize vision benefits very frequently (high usage). Surency delivers on
          their programs and customer services, which makes our jobs in benefits much easier.
          Great employee experience with Surency.

7.        On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
          performance? Please explain the reason for the rating.
          10 – Our employees are very happy with Surency. They have a great network, great plans
          to choose from, and great customer service to both our employee and Benefits team.

                                             Page 54
Completed by: Jackie Kuisle
Company: Hallmark Cards
Date: 4.14.2021

                              Page 55
Former Client Reference Check
RFP EVT 7764 for Vision Insurance
Reference for Surency

1.    How long did you work with the vendor for vision insurance? 1/2015-12/2018 Are there
      specific features of the vision insurance that were popular with your employees?
      Nationwide network of providers.

2.    Were there any issues with the vendor's performance? If so what type of issues did you
      encounter? Is there anything you would have done differently? After some minor initial
      growing pains we had no issues with the vendors performance.
3.    Did you experience issues related to the vendor processing eligibility files? Were eligibility
      changes processed timely? No issues except it was a very manual process but every
      change was made promptly and on time.
4.    Did the vendor respond timely to employee or staff questions or issues? What did you
      hear from your employees about the vendor’s service? Yes. Most of our employee issues
      were around denials for services. This was usually an issue with employee not reading
      the plan document.
5.    Did you encounter any issues with their technology, administration, or communication of
      the benefits? None that I can remember.
6.     What do you like most about working with the vendor? Were there any areas that you
      experienced challenges? I miss working with Surency. They were always very responsive
      and quick to help resolve any issues that may have come up.
7.    On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
      performance? Please explain the reason for the rating. 10 – no complaints. Claims were
      filed quickly and accurately and any issues were quickly resolved.

Completed by: Richard Grantham
Company: Ash Grove Cement Co.
Date: 4/13/2021

                                            Page 56
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APPENDIX – c
VSP

    Page 58
Reference Check
RFP EVT 7764 for Vision Insurance
Reference for VSP

1.      How long have you worked with the vendor for vision insurance? Are there specific
        features of the vision insurance that have been popular with your employees? The Oregon
        Educators Benefit Board (OEBB) has been partners with VSP for about four years. The
        Public Employees’ Benefit Board (PEBB) and VSP for 19 years. Members really
        appreciate the broad network and excellent customer service. They are also a fan of
        SunCare.

2.      Have you experienced any issues with the vendor's performance? If so what type of issues did
        you encounter? Is there anything you would do differently if you had to do it again? VSP
        has been an excellent partner. The only issue we’ve had is at the beginning of a plan year
        as members change plans. There is sometimes a minor delay in making the changes.
3.      Have you experienced issues related to eligibility files? Do they process plan changes
        timely? The only issue we’ve had is described in Q2.
4.      Does the vendor respond timely to employee or staff questions or issues? What have you
        heard from your employees about the vendor’s service? VSP provides excellent customer
        service to both staff and members, often going above and beyond. They are persistent in
        ensuring issues are fully resolved.

5.      Have you encountered any issues with technology, administration, or communication of
        the benefits? We have not encountered any issues.
6.       What do you like most about the company? Are there any areas that you have
        experienced challenges in working with the vendor? VSP provides excellent customer
        service and has a broad network with good vision benefits.
7.      On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
        performance? Please explain the reason for the rating. VSP is an excellent partner. The
        plan year change file updates are the only area for improvement. We’d assess them an 8
        or 9.

Completed by:
Company:
Date:

                                             Page 59
Former Client Reference Check
RFP EVT 7764 for Vision Insurance
Reference for VSP

1.     How long did you work with vendor for vision insurance? Are there specific features of the
       vision insurance that were popular with your employees?
              Missouri Consolidated Health Care Plan (MCHCP) had a contract with VSP from
                    1997 – 2013.
              MCHCP designated the plan design features and employees rather than VSP.
                  They enjoyed the basic -vs- premium plan design as well as the
                  Coordination of Benefit with the medical plan to pay for a refraction
                  therefore eliminating additional OOP costs

2.     Were there any issues with the vendor's performance? If so what type of issues did you
       encounter? Is there anything you would have done differently?

              There were no performance issues.
3.     Did you experience issues related to the vendor processing eligibility files? Were eligibility
       changes processed timely?
              There were no performance issues. Eligibility files were processed timely.
4.     Did the vendor respond timely to employee or staff questions or issues? What did you
       hear from your employees about the vendor’s service?
              VSP received consistently high marks on account responsiveness. Members were
                    generally very satisfied with the vision plan offered with high uptake.
5.     Did you encounter any issues with their technology, administration, or communication of
       the benefits?
              No issues encountered.
6.      What do you like most about working with the vendor? Were there any areas that you
       experienced challenges?
              VSP was an excellent partner and consistently brought new opportunities for our
                   consideration. They handled our separation with great professionalism.
7.     On a scale of 1 to 10 with 10 being excellent service, how would you rate the vendor’s
       performance? Please explain the reason for the rating.
              9. The account team was responsive and attentive to client and member concerns.
                     They continued to keep MCHCP updated on trends and changes to best
                     practices.

Completed by: Judith Muck, Executive Director

                                             Page 60
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