The commissioners met Monday morning instead of Tuesday because payroll and bills for the county highway department needed to be signed a day early. Christmas Eve is a holiday for the highway department.
Jeremy Billington, owner of Billington Insurance Agency, was back before the board to answer questions for the board about the three options he had presented before. Also sitting in on the discussion was Massac County Sheriff’s Department Telecommunicator Abbey Kaylor and Fraternal Order of Police (FOP) Union Representative Ryan Hall.
Billington explained the underwriter for the county’s insurance is asking for $22,000 more. The options before the board:
• Option A — A two percent overall increase, with the stop loss deductible staying at $30,000 and the county paying an additional $22,000 over a 12-month period. The projected plan cost is $572,036 and the maximum annual plan cost could be $654,692.
• Option B — A two percent decrease, with the stop loss deductible staying at $30,000, with the caveat that if the county exceeded the stop loss deductible, it would have to pay $22,000. The projected plan cost is $550,370 and the maximum annual plan cost could be $633,026.
• Option C — A zero percent increase, with a stop loss deductible increase of $35,000. The projected plan would cost $558,834 and the maximum annual plan cost could be $643,606.
According to Billington, this year there were only two people who exceeded the stop loss deductible. He said one claim was for $38,000 and another claim was for $64,000.
Commissioner Jayson Farmer pointed out if the county chose the two percent increase, at least it would be a cost the county could budget for. Billington threw out the idea that the board could budget for option A and then choose option B and if the county did not have a claim going over $30,000 the county would have $22,000 already saved back.
Another issue for the board to consider is the language in the contract with the FOP, which stipulates union employees pay 10 percent of the cost of the health insurance, not to exceed $100. According to Commission Chair Jeff Weber, the cost county employees pay is $63.18.
Billington addressed questions raised by the board, Kayor and Hall.
--- TO READ THE ENTIRE STORY ONLINE, PLEASE SUBSCRIBE TO THE PLANET'S e-EDITION ---