WTA Introduction‎ > ‎

Health Insurance and Benefits


Health care will continue to be an issue of importance. 

This is a March 2017 synopsis of the current dental insurance issue included in Jay Chandler's March WTA Newsletter. The dental comparison chart is attached on the the bottom of the page. 

Dental Insurance:

 

     The Dental Insurance Program, while administered by the town, is 100% employee funded. Our current contract with Met-Life will be expiring at the end of June. The town has received proposals from three vendors to continue our Dental Insurance starting on July 1st. I have attached those proposals to this document.

 

      As the town does not contribute anything to this program they are looking to the unions to determine which company to use when the contract with Met-Life expires. In meeting with the other unions in town, and the WTA Executive Board, all agree that Altus offers the best package financially. Additionally, Altus is offering a two-year contract so the proposed rates won’t change in that time frame. The town unions were also informed that when the top 100 dentists used by town employees were contacted a much higher percentage (53%) were members of the Altus program. Much lower percentages were found for Met-Life and Delta.

 

     Due to the need for an open enrollment period the town is looking for a response from the unions by March 15th. Unless I hear substantial objections from you, the members of the WTA, I will be recommending that we switch our dental program to Altus.

 



______________________________________________________________________________________________

Please note that the MOA and related Appendix A is listed below.  Please contact your building representative or any WTA board member if you have ideas for making this information more accessible to the members. 


MEMORANDUM OF AGREEMENT

BETWEEN

THE TOWN OF WAYLAND

AND

WAYLAND PUBLIC EMPLOYEE COMMITTEE

 

(January 1, 2017 through June 30, 2019)

 

WHEREAS, the Town of Wayland, including the Wayland Public Schools (“Town”), currently provides health insurance benefits to its subscribers pursuant to M.G.L. c. 32B and,

 

WHEREAS, the Town, by a vote of its Board of Selectmen on June 13, 2016, elected to change health insurance benefits under M.G.L. c. 32B, § 19, as amended by Chapter 69 of the Acts of 2011, for the purpose of implementing changes in health insurance benefits it provides to its subscribers and,

 

WHEREAS, the parties agree that acceptance of M.G.L. c. 32B, § 19, is revoked as of June 30, 2019 unless a subsequent agreement is reached and,

 

WHEREAS, the Town and the Public Employee Committee (“PEC”) are entering into this written agreement to accept plan design changes effective January 1, 2017 through June 30, 2019 (“2017-2019 Agreement”) and,

 

WHEREAS, the Town and the Unions agree and affirm that this Agreement supersedes and voids any conflicting provisions contained in any Collective Bargaining Agreements (CBAs) for the length of this M.G.L. c. 32B, § 19 Agreement and pursuant to the majority vote of the PEC the Parties agree that they have satisfied all of their bargaining obligations related to the subject matter of this Agreement.

 

WHEREAS, the parties agree that they will discuss a successor agreement through the process specified under M.G.L. c. 32B, § 19.  The Parties also agree that by discussing a successor agreement, neither Party forfeits any rights with respect to entering into such an agreement.

 

 

 

NOW THEREFORE, the Town and the PEC agree as follows:

 

Purpose of Agreement

 

1.              The purpose of this 2017-2019 Agreement is to implement changes in health insurance benefits for Non-Medicare health plans following a process of negotiations authorized under M.G.L. c. 32B, § 19.  Accordingly, the Town shall implement the following plan design changes to the current Active Employee / Non-Medicare Plans:

Effective January 1, 2017, the non-Medicare HMO Rate Saver Plans offered by West Suburban Health Group shall be replaced with the HMO Benchmark plans offered by West Suburban Health Group.

Contributions

 

2.              Effective January 1, 2017 through June 30, 2019, the following plan contributions shall apply to the Non-Medicare plans.

            HPHC PPO                                                               50% Employer / 50% Subscriber

            HPHC Benchmark HMO                   Individual        72% Employer / 28% Subscriber

                                                                        Family             62% Employer / 38% Subscriber

            BCBS Benchmark HMO                    Individual        72% Employer / 28% Subscriber

                                                                        Family             62% Employer / 38% Subscriber

 

            Tufts Benchmark HMO                     Individual        72% Employer / 28% Subscriber

                                                                        Family             62% Employer / 38% Subscriber

 

            Fallon Direct Benchmark HMO         Individual        74% Employer / 26% Subscriber

                                                                        Family             64% Employer / 36% Subscriber

 

            Fallon Select Benchmark HMO          Individual        74% Employer / 26% Subscriber

                                                                        Family             64% Employer / 36% Subscriber

 

3.              Effective July 1, 2019, premium contributions for all Benchmark HMO plans shall be 74% / 26% Individual and 64% / 36% Family plans.

Mitigation Plan

 

4.              The Town shall establish a mitigation fund in the amount of not less than $450,000 over the life of the agreement.

5.              The Mitigation Plan is defined in a supplemental document appended to this agreement (Appendix A).

6.              Unused mitigation funds shall roll forward each year of the agreement until June 30, 2019. No later than 60 days following the expiration of the agreement,  unused mitigation funds shall be returned to plan participants in a manner mutually agreed upon.

7.              If the plan designs of the January 1, 2017 WSHG Benchmark plans are modified during the term of this agreement that result in premium savings in any of the plan years beginning July 1, 2017 and July 1, 2018, the Town shall provide 25% of the total savings for the particular benefit change(s) over a twelve-month period to the mitigation fund.                                                 

 

Special Open Enrollment

8.              The parties agree to hold a series of educational sessions at times and locations mutually agreed upon to assist subscribers in plan selection.

9.              Upon successful ratification, the Town agrees to hold a special open-enrollment period prior to changes taking effect.  All Rate Saver Plan participants shall receive information regarding plan design changes in advance of the open enrollment.

New Plans

10.           Should the West Suburban Health Group institute any new plan offerings during the life of this agreement, the parties agree to negotiate of the implementation of those new plans.

                                                   Arbitration of Disputes

11.           Either party may submit a dispute between the parties concerning the interpretation or application of this agreement to the American Arbitration Association for final and binding arbitration under its Labor Arbitration Rules.  A request for arbitration by the Public Employee Committee shall be in accordance with M.G.L. 32B, Section 19.

Severability Clause

 

12.           If any provision or portion of this “2017-2019 Agreement” is found to be unenforceable or unlawful, the remaining provisions or portions shall remain binding.

Scope

 

13.           This “2017-2019 Agreement” shall constitute the whole of the Agreement between the Town and the PEC.

Authorization to Sign Agreement

14.           Each signatory to this “2017-2019 Agreement” is authorized to bind the entity he/she represents. The PEC represents that it has the authorization and approval of a majority of the weighted votes of the PEC and that this Agreement is binding on all subscribers and their representatives.

 

For the Town of Wayland                                     Wayland Public Employee Committee

 

 

------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

 

 

 

MEMORANDUM OF AGREEMENT

BETWEEN

THE TOWN OF WAYLAND

AND

WAYLAND PUBLIC EMPLOYEE COMMITTEE

 

(January 1, 2017 through June 30, 2019)

 

Appendix A

Supplemental Document to PEC Agreement, Mitigation Plan (Item #5)

 

 

WHEREAS, the Town and the Public Employee Committee (“PEC”) have agreed upon a Section 19 Agreement effective January 1, 2017 through June 30, 2019 (“2017-2019 Agreement”) which includes $450,000 in mitigation funds in consideration for the changes in health insurance identified in the Agreement,

The parties agree to the following plan to disburse the mitigation funds to plan participants:

 

1.     Mitigation funds will be available to eligible participants defined as all active employees and non-Medicare retirees who are enrolled in a West Suburban Health Group (WSHG) Rate Saver Plan on 12/31/16 and transfer to a WSHG Benchmark Plan on 1/1/17.

 

2.     The Town agrees to fund the mitigation in the following time frames and amounts:

 

1/1/17 – 6/30/17          $100,000

7/1/17 – 6/30/18          $250,000

7/1/18 – 6/30/19          $100,000

 

The Town may opt to move funding forward in any year of this plan at its sole discretion.  Should the Town move any funding forward, the total commitment of $450,000 will not change.

 

3.     A portion of the mitigation funds will be provided to eligible participants through a Health Reimbursement Account (HRA) utilizing a pre-paid “Card”.  The Town shall secure an appropriate vendor in compliance with the applicable MA. Procurement Laws and be responsible for related administration fees.

 

4.     The estimated total funding allocated to the “Cards” will be approximately $375,000. The annual funding for the “Cards” will be as follows:

 

 

 

1/1/17              $  55 Individual Plan               $165 Family Plan

            7/1/17              $110 Individual Plan               $330 Family Plan

            7/1/18              $110 Individual Plan               $330 Family Plan

 

5.     The difference between the full funding of the “Card” and the total mitigation fund of $450,000 will be held for any catastrophic medical issues for eligible participants.  The estimated catastrophic funding will be approximately $75,000.

 

6.     The distribution of funds for catastrophic medical issues shall be structured as follows: 

 

a.     Individual subscribers:  if an individual plan subscriber spends more than $1,300 out of pocket, including for the deductible and all copays including prescriptions, s/he shall be eligible for up to $700 reimbursement based on required documents submitted as directed by the Town by no later than 8/31/18 for the 7/1/17-6/30/18 plan year and by 8/31/19 for the 7/1/18-630/19 plan year.

b.     Family subscribers:  if a family plan subscriber spends more than $2,600 out of pocket, including for the deductible and all copays including prescriptions, s/he shall be eligible for up to $1,400 reimbursement based on required documents submitted as directed by the Town by no later than 8/31/18 for the 7/1/17-6/30/18 plan year and by 8/31/19 for the 7/1/18-630/19 plan year.

 

It is understood that these reimbursements may be subject to pro-ration depending on the funds available, as specified by this agreement, and the number of subscribers who apply for reimbursement.

7.     Should a participating employee’s status change to that of a participating retiree enrolled in a non-Medicare plan during any point of a mitigation year, the “Card” shall remain in effect through 6/30/19. When the retiree enrolls in a Medicare supplemental plan, Item # 10 of this Supplemental Document shall apply.

 

8.     Should a participating employee’s status change to that of a retiree enrolled in a Medicare supplemental plan during any point of a mitigation year, the “Card” shall remain in effect for the balance of the current mitigation year.

 

9.     Should a participating retiree’s status change based upon Medicare eligibility during any point of a mitigation year, the “Card” shall remain in effect for the balance of the mitigation year.

 

10.  If a participating retiree’s spouse or a surviving spouse remains enrolled in a non-Medicare plan, the “Card” will stay in effect for the retiree’s spouse or a surviving spouse through 6/30/19.

 

11.  Should a participating retiree’s spouse’s or a surviving spouse’s status change based upon Medicare eligibility during any point of a mitigation year, the “Card” shall remain in effect for the balance of the mitigation year

 

12.  Should a participating member, participating eligible retiree or participating eligible retiree’s spouse stop their enrollment in a WSHG sponsored plan following their 1/1/17 enrollment in a WSHG Benchmark plan, then all benefits associated with the “Card” will cease.

 

13.  Unused funds from the mitigation account shall rollover into the next year until 6/30/19.  The parties agree to meet no later than 4/30/19 to discuss and determine the final disbursement of any remaining mitigation funds to eligible plan participants. 

 

 

For the Town of Wayland                                        Wayland Public Employee Committee

(signatures/date)                                                         (signatures/date)

_______________________________________________________________________________________________________________ 

Summary of Health Care Decision and Changes


Negotiation History and Information
President Jay Chandler and Negotiations Chair Kori Rogers worked with unions throughout the Town of Wayland to negotiate a fair health care package for town-wide employees throughout the summer of 2016.

Jay shared the information of those negotiation meetings through regular bulletins sent to all members via email. His bulletins and related information are  included in the links at the bottom of the page and his most recent letter to the membership is included below.

Building representatives held a meeting with the WTA members in their buildings during the week of 8/29, and then there was a meeting of the WTA General Membership on Wednesday, September 7th at 2:45pm at the High School in Room B227. Elementary school teachers were able to leave their buildings at 2:30 in order to attend the meeting. A quorum was met and the health benefits negotiation was approved.

Later in the fall of 2016, the town worked unlawfully to offer a number of employees a health care deal outside of the negotiated contract. This resulted in substantial efforts by the local union in conjunction with our MTA field representative to investigate and meet with Town administrators which led to the town rescinding this opportunity to those employees. These events are outlined with greater specificity in the letter attached at the bottom of the page. 

August 25th Update by Jay Chanlder

Members

     I have written you several times over the summer outlining our progress on negotiating with the town over changes to our health insurance. Those negotiations have concluded and the timeline and specifics of the new insurance plan are now known. Please read the attached documents. Your building reps will be available to answer any questions that you may have. If time permits they will run meetings, or question and answer sessions, in your building prior to the ratification vote that must take place. 

       Due to how this issue was negotiated state law requires that every union vote to ratify the agreement over health insurance with the town. The ratification meeting for the WTA will take place on Wednesday, September 7th, in room B114 (the Lecture Hall), at the high school at 2:45. Brad Crozier has contacted the principals in each building and you will be allowed to leave at 2:30 if you wish to attend this meeting. 

       There are five documents that are attached to this letter: (see attachment links below)

  •  “Final MOA re Hlth Ins 1.1.17” is the unions agreement with the town over health insurance.
  •  “Mitigation Supplement DL” is a supplement to the above MOA and outlines how the town has agreed with the unions to disperse the $450,000 in the mitigation fund over the two years

 These are the documents that will be voted on in the ratification meeting.

  • “WSHG Comparison…..” is a spreadsheet, prepared by the town, that shows how the benchmark plans change compared to the Rate-Saver plans that we are now using. These Benchmark plans will start on 1/1/17
  •   “Note for Wayland Building Mtgs” is a summary, prepared by our field rep from the MTA, Dorine Levasseur, that summarizes the process that we went through and the major points of the agreement with the town.
  •  “ FY17 Emp Benchmark Health Ins Rates” is the breakdown of the new premiums that we will be paying as of 1/1/17.

Once again see your building rep if you have any questions concerning these changes in your health insurance. The town will be holding informational meetings in each building as there will be an opening enroll period this fall. I have not been informed of the dates of these sessions yet.

 I know that changes in Health Insurance are anxiety producing. I have also related how I view this action by the Board of Selectmen to essentially be a cut in pay to those of us that get our health insurance through the town. The unions worked diligently throughout the summer to secure the best possible outcome for all of our members. By staying in the West Suburban Group we were able to keep the same insurance policies that we currently have and minimize any disruptions to our members.

I have been told by the MTA that I can expect only 15% of you to read this message.  Please mention to your non-reading co-workers the importance of this letter and have them read it as well.

Thank you for your time and enjoy the last weekend before the start of school. I look forward to seeing you on Monday.

Jay Chandler


SelectionFile type iconFile nameDescriptionSizeRevisionTimeUser
Ċ
View Download
  308k v. 1 Mar 10, 2017, 6:00 PM Maureen Devlin
ĉ
View Download
  146k v. 1 Dec 6, 2016, 3:15 AM Maureen Devlin
ĉ
View Download
  47k v. 1 Aug 27, 2016, 3:44 PM Maureen Devlin
Ċ
View Download
  26k v. 1 Aug 27, 2016, 3:46 PM Maureen Devlin
ĉ
View Download
  28k v. 1 Aug 27, 2016, 3:44 PM Maureen Devlin
Ċ
View Download
  160k v. 1 Aug 27, 2016, 3:55 PM Maureen Devlin
Ċ
View Download
  48k v. 1 Sep 7, 2016, 7:11 PM Maureen Devlin
Ċ
View Download
  104k v. 1 Apr 27, 2016, 7:38 PM Maureen Devlin
Ċ
View Download
  40k v. 1 Apr 27, 2016, 7:38 PM Maureen Devlin
ĉ
View Download
  19k v. 2 Aug 27, 2016, 3:45 PM Maureen Devlin
ĉ
View Download
  15k v. 1 Aug 27, 2016, 3:45 PM Maureen Devlin
Ċ
View Download
  56k v. 1 Aug 27, 2016, 3:45 PM Maureen Devlin