SLEBC Board, 

I met Sarah, Tim and Howard last week to chat about Open Enrollment for 2025. Following our meeting I received a copy of the rate increases and thought it would be wise to ask for a reduction in the rates as they seemed higher than what I would expect. I do know inflation is high, but I also know that we have been with them since 2017, I have done so many referrals, and feel we are a relatively "easy" client. Asking for a rate review and reduction from the original 8.2% total increase felt appropriate. With blessings from James and Nic, I requested this review immediately and today I received news that the new increase is now 6.8%. 

Below is the email from Sarah. Attached is the proposal and firm quote from granular for 2025. 

We will need to get this quote back to them by November 1. Rates will be reviewed upon receipt of this signed quote. 

We are currently with Granular and I agree with Sarah and her team that this is the best stop loss option for our plan. 

Please review, ask questions or comment, make a motion, and vote as you see fit. Once this is complete and rates are available, we will have a zoom call to discuss all. 

Thanks,
Tara

Tara Johnson


This email may contain confidential and privileged information for the sole use of the intended recipient. Any review or distribution by others is strictly prohibited. If you are not the intended recipient please contact the sender and delete all copies.

 

From: Sarah Thielen AH <sthielen@Apta-health.com>
Sent: Wednesday, October 30, 2024 5:13 PM
To: Tara Johnson <tjohnson@netroopers.org>
Cc: Ryan Thiess <rthiess@novoconnection.com>
Subject: SLEBC - 2025 Revised Renewal
 

Hi Tara,

 

Thank you for the call today! As discussed, attached is the revised renewal.  We value your continued partnership and as such, are holding our program fee for 2025 and requested Meritain do the same.  As our partner and in appreciation for your longstanding partnership, Meritain has agreed to hold rates for 2025. 

 

We were able to work with Granular to pull in a reduction to the specific premium from a 9.4% increase to 5.1%.  They were also able to offer a reduction to the aggregate claims factors.  For 2025, we followed our standard process and evaluated 30 markets (shopping 15 markets). The attached proposal does include the most competitive quote responses, ECU did not offer a firm quote, and we expect additional laser risk from the other markets based on claims experience.    As such, we are recommending the $135k option with Granular based on their past performance and rates for 2025. The Granular quote is valid through 11/1 and signature is requested on page 10 of the attached quote.

 

Please don’t hesitate to let us know if there are any questions we can help with.

 

Thank you!

Sarah

 

Sarah Thielen

Lead Client Experience Executive

Apta Health  | Novo Connection

628 N 108th Court    |  Omaha, NE 68154

402.999.4478 direct  | 402.707.9786 mobile

 

 

 

 

 

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