Deadline 11/1: SLEBC - 2025 Revised Renewal
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 [cid:image001.png@01DB2AEC.D27A7210] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:image001.png@01DB2AEC.D27A7210] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:image001.png@01DB2AEC.D27A7210] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:image001.png@01DB2AEC.D27A7210] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
Yes Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 6:58:10 PM To: Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:image001.png@01DB2AEC.D27A7210] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
YesSent from my Verizon, Samsung Galaxy smartphone -------- Original message --------From: James Estwick <jestwick@netroopers.org> Date: 10/31/24 9:00 AM (GMT-06:00) To: Tara Johnson <tjohnson@netroopers.org>, Monte Dart <mdart@netroopers.org>, Nic Jaworski <njaworski@netroopers.org>, slebcboard@groups.netroopers.org Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Get Outlook for iOS From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 6:58:10 PM To: Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal <!-- p {margin-top:0; margin-bottom:0} --> I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
This passes with three yes votes: Jaworski Pollard Estwick I don't see replies yet from: Dart Sloup 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: dpollard <dpollard@frontier.com> Sent: Thursday, October 31, 2024 9:59 AM To: James Estwick <jestwick@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: RE: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Sent from my Verizon, Samsung Galaxy smartphone -------- Original message -------- From: James Estwick <jestwick@netroopers.org> Date: 10/31/24 9:00 AM (GMT-06:00) To: Tara Johnson <tjohnson@netroopers.org>, Monte Dart <mdart@netroopers.org>, Nic Jaworski <njaworski@netroopers.org>, slebcboard@groups.netroopers.org Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 6:58:10 PM To: Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:com_samsung_android_email_attachmentprovider_2_704_RAW_1730386754239] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
Yes Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Tuesday, November 5, 2024 12:51:29 PM To: dpollard <dpollard@frontier.com>; James Estwick <jestwick@netroopers.org>; Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This passes with three yes votes: Jaworski Pollard Estwick I don't see replies yet from: Dart Sloup 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: dpollard <dpollard@frontier.com> Sent: Thursday, October 31, 2024 9:59 AM To: James Estwick <jestwick@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: RE: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Sent from my Verizon, Samsung Galaxy smartphone -------- Original message -------- From: James Estwick <jestwick@netroopers.org> Date: 10/31/24 9:00 AM (GMT-06:00) To: Tara Johnson <tjohnson@netroopers.org>, Monte Dart <mdart@netroopers.org>, Nic Jaworski <njaworski@netroopers.org>, slebcboard@groups.netroopers.org Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 6:58:10 PM To: Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:com_samsung_android_email_attachmentprovider_2_704_RAW_1730386754239] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
Thanks! I know you are all busy with bargaining. Appreciate it! Thank you, Tara Tara Johnson ________________________________ From: Monte Dart <mdart@netroopers.org> Sent: Tuesday, November 5, 2024 12:57:26 PM To: Tara Johnson <tjohnson@netroopers.org>; dpollard <dpollard@frontier.com>; James Estwick <jestwick@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Tuesday, November 5, 2024 12:51:29 PM To: dpollard <dpollard@frontier.com>; James Estwick <jestwick@netroopers.org>; Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This passes with three yes votes: Jaworski Pollard Estwick I don't see replies yet from: Dart Sloup 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: dpollard <dpollard@frontier.com> Sent: Thursday, October 31, 2024 9:59 AM To: James Estwick <jestwick@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: RE: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Sent from my Verizon, Samsung Galaxy smartphone -------- Original message -------- From: James Estwick <jestwick@netroopers.org> Date: 10/31/24 9:00 AM (GMT-06:00) To: Tara Johnson <tjohnson@netroopers.org>, Monte Dart <mdart@netroopers.org>, Nic Jaworski <njaworski@netroopers.org>, slebcboard@groups.netroopers.org Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Yes Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 6:58:10 PM To: Monte Dart <mdart@netroopers.org>; Nic Jaworski <njaworski@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal I completely understand. These are not the rate increases. These are the costs that are incurred by the plan for the administration and stop loss. I am VERY hopeful that rates will not be this high of a rate of increase - and also remember that the overall increase is currently 17% member and 83% state split. 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: Monte Dart <mdart@netroopers.org> Sent: Wednesday, October 30, 2024 5:34 PM To: Nic Jaworski <njaworski@netroopers.org>; Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: Re: Deadline 11/1: SLEBC - 2025 Revised Renewal This is going to be tough. We are buttng heads with the gov and are not likely to get much more than 3% and step. MD Sent from my Verizon, Samsung Galaxy smartphone Get Outlook for Android<https://aka.ms/AAb9ysg> ________________________________ From: Nic Jaworski <njaworski@netroopers.org> Sent: Wednesday, October 30, 2024 5:29:13 PM To: Tara Johnson <tjohnson@netroopers.org>; slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Re: Deadline 11/1: SLEBC - 2025 Revised Renewal Motion to approve and move forward Get Outlook for iOS<https://aka.ms/o0ukef> ________________________________ From: Tara Johnson <tjohnson@netroopers.org> Sent: Wednesday, October 30, 2024 5:27:31 PM To: slebcboard@groups.netroopers.org <slebcboard@groups.netroopers.org> Subject: [Slebcboard] Deadline 11/1: SLEBC - 2025 Revised Renewal 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 [cid:com_samsung_android_email_attachmentprovider_2_704_RAW_1730386754239] The information contained in this message and any accompanying attachments may contain privileged, private and/or confidential information protected by state and federal law. Penalties may be assessed for unauthorized use and/or disclosure. This message and any attachments are intended for the designated recipient only. If you have received this information in error, please notify the sender immediately and return or destroy the information. This e-mail transmission and any attachments are believed to have been sent free of any virus or other defect that might affect any computer system into which it is received and opened. It is, however, the recipient's responsibility to ensure that the e-mail transmission and any attachments are virus free, and the sender accepts no responsibility for any damage that may in any way arise from their use.
participants (5)
-
dpollard -
James Estwick -
Monte Dart -
Nic Jaworski -
Tara Johnson