RESOLUTION 17-010 RE FY2018 BENEFITS RENEWAL PRESENTATION.PDF

Renewal/Marketing Analysis for
Housing Authority of Maricopa County
Jim McCauley
Sales Executive
Wells Fargo Insurance Services USA, Inc.
100 W Washington, 4th Floor
Phoenix, AZ 85003
Phone: 602-528-3000
wellsfargo.com/wfis
Wells Fargo Insurance Services Confidential. © 2013 Wells Fargo Insurance Services. All rights reserved.

Table of contents
Section
1 Medical
2 Dental
3 Vision
4 Basic Life and AD&D
5 Voluntary Life and AD&D
6 Short Term Disability
7 Employee Assistance Program (EAP)
8 Disclosures

Medical Comparison
July 1, 2017
UHC
Census Current Renewal
Medical - Plan 1 AJ4I/ID
Plan type PPO
Deductible $1,000/$2,000
Coinsurance 80%
Out-of-pocket maximum $4,000/$8,000
Office visit copayments $25/$50
Emergency Room /Urgent Care $300/$75
Inpatient/ Outpatient hospital deductible/co-ins
Prescription drug copayments $15/$35/$65/$100
Out of Network Benefits
Deductible $2,000/$4,000
Coinsurance 50%
Out-of-pocket maximum $6,000/$12,000
Monthly rates
Employee 7 $601.96 $637.96
Employee + Spouse 4 $1,264.12 $1,339.72
Employee + Child(ren) 3 $1,203.92 $1,275.92
Employee + Family 3 $1,926.27 $2,041.47
Monthly premium $18,660.77 $19,776.77
Annual premium $223,929 $237,321
% Change over current 5.98%

UHC
Census Current Renewal
Medical - Plan 2 AJ4W/ID
Plan type PPO
Deductible $2,000/$4,000
Coinsurance 80%
Out-of-pocket maximum $6,000/$12,000
Office visit copayments $30/$60
Emergency Room /Urgent Care $300/$75
Inpatient/ Outpatient hospital deductible/co-ins
Prescription drug copayments $15/$35/$65/$100
Out of Network Benefits
Deductible $4,000/$8,000
Coinsurance 50%
Out-of-pocket maximum $12,000/$24,000
Employee 6 $558.23 $591.83
Employee + Spouse 5 $1,172.28 $1,242.84
Employee + Child(ren) 4 $1,116.46 $1,183.66
Employee + Family 3 $1,786.34 $1,893.86
Monthly premium $19,035.64 $20,181.40
Annual premium $228,428 $242,177
% Change over current 6.02%
Total monthly premium $37,696.41 $39,958.17
Total annual premium $452,357 $479,498
% Change over current 6.00%
Rate Guarantee
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or proposal for full details.

Dental comparison
July 1, 2017
Assurant
SecureCare Dental TDA Delta Dental
Census Current/Renewal
Dental- Low Plan
Plan type Base DHMO Plan 150¹ Summit Care Prepaid DHMO USA Plan D70
Plan
Deductible None $10 office visit copay None None
Coinsurance
Preventive Copay per specific service Copay per specific service Copay per specific service Copay per specific service
Basic Copay per specific service Copay per specific service Copay per specific service Copay per specific service
Major Copay per specific service Copay per specific service Copay per specific service Copay per specific service
Orthodontia Copay per specific service Copay per specific service Copay per specific service Copay per specific service
Annual plan maximum None None None None
Copay for first 24 months/25% disc Copay per specific service Based upon Fee Schedule Based upon Fee Schedule
Lifetime orthodontia maximum after applies to Adults and Children applies to Adults and Children
Waiting Period No No No Waiting Period No Waiting Period
True Open Enrollment Yes Yes Yes Yes
Out of Network Not Covered Not Covered Not Covered Not Covered
Monthly rates
Employee 12 $14.36 $14.36 $12.41 $17.15 $19.23
Employee & Spouse 3 $24.01 $24.01 $23.57 $34.29 $37.78
Employee + Child(ren) 4 $32.05 $32.05 $32.48 $37.96 $39.83
Employee & Family 1 $42.49 $42.49 $42.06 $54.93 $59.13
Monthly premium $415.04 $415.04 $391.61 $515.44 $562.55
Annual premium $4,980.48 $4,980.48 $4,699.32 $6,185.28 $6,750.60
% Change over current $0.00 -6% 24% 36%

Assurant
SecureCare Dental TDA Delta Dental
Census Current/Renewal
Dental - High Plan
Plan type Buy Up PPO PPO Plan PPO Plan AH PPO Plan Premier
Deductible Individual/Family $50/$150 $50/$150 $50/$150 $50/$150
Coinsurance
Preventive Covered 100% Covered 100% Covered 100% Covered 100%
Basic 80% Coinsurance after deductible 80% Coinsurance after 80% Coinsurance after 80% Coinsurance after
deductible deductible deductible
Major 50% Coinsurance after deductible 50% Coinsurance after 50% Coinsurance after 50% Coinsurance after
deductible deductible deductible
Orthodontia 50% (child only) 50% (child only) 50% (child only) 50% (child only)
Annual plan maximum $1,500 $1,500 $1,500 $1,500
Lifetime orthodontia maximum $2,000 $2,000 ($1,000/12 months) $2,000 $2,000
Late Entrants -6 mo for basic/12mo
Waiting Period major and ortho/New Enrollees- 12 12 months- For new 12 months-Major and Ortho None
mo. Wait for major orthodontia services *
True Open Enrollment No Yes Yes Yes
Out of Network 100%/80%/50% 100%/80%/50% 100%/80%/50%/50% 100%/80%/50%/50%
Out of Network Reimbursement 90th percentile 90th percentile 90th percentile MAC ²
Monthly rates
Employee 25 $37.46 $39.48 $33.63 $36.31 $36.61
Employee & Spouse 5 $75.67 $79.76 $63.89 $73.35 $76.90
Employee + Child(ren) 3 $100.42 $105.84 $89.54 $97.33 $92.71
Employee & Family 9 $138.64 $146.13 $115.99 $134.38 $140.97
Monthly premium $2,863.87 $3,018.49 $2,472.73 $2,775.91 $2,846.61
Annual premium $34,366.44 $36,221.88 $29,672.76 $33,310.92 $34,159.32
% Change over current 5.40% -13.66% -3.07% -0.60%
Total monthly premium $3,278.91 $3,433.53 $2,864.34 $3,291.35 $3,409.16
Total annual premium $39,347 $41,202 $34,372 $39,496 $40,910
% Change over current 4.72% -12.64% 0.38% 3.97%
Rate Guarantee 12 months 12 months 12 months 24 months
Notes:
Participation in the Dental plans is based on current dental elections.
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
¹Secure Care Dental's Network Plan 150 include the same Network as the PPO Plan.
*For those individuals currently in treatment, the benefit would be reduced by the amount that
has already paid out under the current plan. For example, if someone has used $1,000 of their
ortho benefits, they will only have $1,000 left under SecureCare.
²Payment is based on the PPO dentist's allowable fee or
the fee charges, whichever is less.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or
limitations. Please refer to SPD or proposal for full details.

Vision comparison
July 1, 2017
EyeMed
Current/Renewal
General plan information PPO
Copay
Examination / Materials $10
Benefit frequency
Examination 12 months
Lenses 12 months
Frames 12 months
Contacts 12 months
Covered services
Lenses
Single vision lens 100% after $10 copay
Bifocal lens 100% after $10 copay
Trifocal lens 100% after $10 copay
Lenticular 100% after $10 copay
Frames $140 allowance/20% off remaining balance
Contacts - in lieu of glasses
Elective $155 allowance
Fit & Follow up available once comprehensive is complete
Out of Network services
All services Various reimbursements
Cost comparison Census Current Renewal
Rating tier
Employee 13 $7.66 $7.66
Employee + Spouse 11 $14.54 $14.54
Employee + Child(ren) 8 $15.29 $15.29
Employee + Family 14 $22.45 $22.45
Monthly premium 46 $696.14 $696.14
Annual premium $8,354 $8,354
$ Change over current $0
% Change over current 0.00%
Rate guarantee Under rate guarantee until 07/01/2018
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or proposal for full details.

Basic life and AD&D comparison
July 1, 2017
Standard
Current/Renewal
General plan information
Life and AD&D benefit amount
Employee 1 x Salary to $150,000
Waiver of premium Included
Accelerated benefit Included
Portability Included
Conversion Included
Cost comparison Current Renewal
Volume $2,158,173 $2,158,173
Life rate per $1,000 $0.32 $0.32
AD&D rate per $1,000 $0.035 $0.035
Total rate per $1,000 $0.36 $0.36
Total monthly premium $766.15 $766.15
Total annual premium $9,194 $9,194
$ Change over current $0
% Change over current 0.00%
Rate guarantee Under rate guarantee until 07/01/2018
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or proposal for full details.

Voluntary Life and AD&D comparison
July 1, 2017
Life / AD&D benefits Standard
Current/Renewal
Life
Employee
Minimum 1x Annual Salary
Maximum Lesser of 5x Annual Salary or $300,000
Guaranteed Issue $100,000
Spouse
Minimum $10,000
Maximum $100,000
Guaranteed Issue $10,000
Child(ren)
Minimum $2,000
Maximum $10,000
Guaranteed Issue $10,000
AD&D
Employee Min -$25,000/ Max - Lesser 10x annual salary or $250K
Spouse 50% Of Employee Amount
Child(ren) 10% of employee amount not to exceed $25,000
Waiver of premium Included
Portability/Conversion Included
Suicide Excluded
Voluntary life / AD&D premium Current/Renewal
AD&D and Life Rate Same as expiring varies by age
Rate guarantee Under rate guarantee until 07/01/2018
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or proposal
for full details.

Short term disability comparison
July 1, 2017
Standard
Current/Renewal
General plan information
Elimination period
Accident 20 days
Sickness 20 days
Benefit percentage 60%
Weekly benefit maximum $1,000
Maximum period of payment 180 days
Rate per $10 of STD benefit Current Renewal
<30 $0.800 $0.800
30-34 $0.858 $0.858
35-39 $0.524 $0.524
40-44 $0.369 $0.369
45-49 $0.398 $0.398
50-54 $0.434 $0.434
55-59 $0.570 $0.570
60+ $0.714 $0.714
Rate guarantee Under rate guarantee until 07/01/2018
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or
proposal for full details.

Employee Assistance Program (EAP) comparison
July 1, 2017
MHN
Current/Renewal
General plan information
Counseling 5 Sessions per individual, per incident
Health management programs (smoking Included
cessation, etc.)
Wellness Coaching Included
Legal resource and referral service Includes Consult & 25% Discount
Financial counseling service 1 Telephonic session per topic
Child care referral service Included
Elder care referral service Included
Onsite employer services 8 hours training
Cost comparison Census Current/Renewal
Rate Per Employee Per Month $1.99 $1.99
46
Total monthly premium $91.54 $91.54
Total annual premium $1,098 $1,098
$ Change over current $0.00
Notes:
Rates above are based on the census data provided by Housing Authority of Maricopa County.
Final rates are subject to actual enrollment, plan design(s) selected and underwriting approval.
This exhibit is intended as a brief comparison of benefits and does not include all benefits, exclusions or limitations. Please refer to SPD or proposal for full
details.

Value added services menu
Service Service Description Cost
Cybersure/Cyberwave Benefits and legislative update and library portal for Benefit professionals Included at no additional fee
PlanSource/Instant Benefits Website for employees and HR to access Plan Summaries and forms. Included at no additional fee
Benefit Highlight Brochure Employee Benefits communication piece Included at no additional fee
LifeMart Discount Program Lifestyle Discounts Included at no additional fee
Legislative Updates Health Care Reform, Benefits and HR related legislative updates Included at no additional fee
Compliance Keeping you up to date with the latest employer requirements Included at no additional fee
Health, Legislative, Compliance and Industry Trends news for employers and
Newsletters Included at no additional fee
employees
Ford Harrison Offers a free legal helpline to WFI clients Included at no additional fee
Seminars and Webcasts Benefits and Health Care Reform related legislation and trends Included at no additional fee

Disclosures
 Products and services are offered through Wells Fargo Insurance Services USA, Inc. (Wells Fargo Insurance), non-bank insurance agency
affiliate of Wells Fargo & Company.
 Products and services are underwritten by unaffiliated insurance companies, except crop and flood insurance which may be underwritten by
their affiliate, Rural Community Insurance Company. Some services may require additional fees and may be offered directly through third
party providers. Banking and insurance decisions are made independently and do not influence each other.
 The coverage and rates presented in this proposal are a simplified outline of the proposed insurance policies. The actual policies issued by
the insurance company govern the coverage provided, and should be read for coverage terms, limitations, definitions and conditions
pertaining to your specific insurance program.
 Some services may be provided by third parties. Wells Fargo Insurance intends to assist its customers in identifying third parties that will
meet the customers' needs, but Wells Fargo Insurance has not reviewed these third parties for data security practices, financial stability, or
the other factors you should consider as you choose a vendor to meet your needs. As with any company you choose to do business with, it
is important that you conduct due diligence.
 Wells Fargo Insurance may receive compensation in connection with a client's engagement of certain third-party service providers.

Transparency and disclosure
Insurance is a highly regulated, competitive industry that fuels the US economy and protects individuals and commercial entities from losses. There is
nothing more important to our industry and to Wells Fargo Insurance than maintaining the trust of our customers and conducting business with the utmost
integrity. We believe that our leadership role on disclosure should tie directly to our core values. Among these we state that we:
■ Value and reward open, honest, two-way communication
■ Do what is right for the customer
■ Talk and act with the customer in mind
■ Exceed our customers’ expectations
Wells Fargo Insurance is proactively providing customers with complete transparency on standard and contingent commission income. We receive
compensation from the insurance companies we represent when placing your insurance. Our compensation is usually a percentage of the premium you
pay for your insurance policy or bond (a “commission”), which is paid to us by the insurance companies for placing and servicing your insurance or bonds
with them. We also may receive fees agreed to in writing from our customers. Intermediaries, such as wholesale brokers, may sometimes be used to
access certain insurance companies. Such intermediaries will allocate a portion of the compensation from the insurance companies to us and may, in some
cases, be an affiliated company.
We receive payments from insurance companies to defray the cost of services provided for them, including advertising, training, certain employee
compensation, and other expenses.
Consistent with longstanding industry practice, we may earn interest on premiums received from you and forwarded to the insurance companies through
our bank accounts. We may also earn interest when the insurance company issues you a refund and that refund is processed through our bank accounts.
We retain the interest earnings on our bank accounts.
Some of the insurance companies we represent may pay us additional commissions, sometimes referred to as contingent or bonus commissions, which
may be based on the total volume of business we sell for them, and/or the growth rate of that business, retention rate, claims loss ratio, or other factors
considering our entire book of business with an insurance company for a designated period of time.
The amount of premium you pay for a policy may change over the term of the policy. For example, your endorsement requests will affect the premium.
Should the premium for any of your policies change, the amount of compensation paid to us by the insurance company would change accordingly.

Market security guidelines
Wells Fargo Insurance Services USA, Inc. is not a guarantor of the solvency of carriers with which its brokers place business. However, Wells Fargo
Insurance Services USA, Inc.’s objective is to place client risks with insurers and reinsurers that are financially sound. We only authorize carriers that we
believe, at the time of placement, have the financial ability to fulfill their claim payment obligations to our clients.
Wells Fargo Insurance Services USA, Inc. has appointed a group of experienced insurance professionals to serve on a Market Security Committee. This
Committee is responsible for establishing and utilizing guidelines for the selection of insurers and supporting employees in their efforts to utilize financially
sound insurers. In assessing the financial strength of insurers, the Committee relies upon the opinions and assessments of recognized rating agencies and
other carrier review companies.
Market security disclaimer
Wells Fargo Insurance’s objective is to place client risks with insurers and reinsurers that are financially sound. In assessing the financial strength of
insurers, Wells Fargo Insurance relies upon the statutory financial statements as well as the opinions and assessments of recognized rating agencies and
other carrier review companies. Wells Fargo Insurance authorized insurers that it believes, at the time of placement, have the financial ability to fulfill
their claim payment obligations to our clients. Wells Fargo Insurance is not a guarantor of the solvency of insurers with which its brokers place business.
However, our goal is to use reasonable measures to do business with financially healthy insurers. Our recommendations are based on financial and other
relevant information that is available at the time of placement.
If clients elect to place their business through a state health insurance exchange, please note that these exchanges may require their list of available
insurers to include insurers not included on Wells Fargo Insurance's authorized list. In such cases, Wells Fargo Insurance will recommend a carrier that has
been authorized based on our aforementioned assessment process, although the Client has the ultimate decision on insurer choice.

Third Party Disclaimer
 Wells Fargo Insurance will assist Clients with understanding Private and Public Health Care Exchange Options
 Companies that operate Private Exchanges present themselves as being capable of providing the services Clients are seeking; however, it
is important to understand that Wells Fargo Insurance is not a party to the contract Clients enter into with any health care exchange
company, and any referral by Wells Fargo Insurance does not warrant the sufficiency of that company's data security practices or the
adequacy of its capabilities, nor does it guarantee the company's financial stability or ensure the appropriate management of its third party
service providers. As such, it is important that Clients conduct their own due diligence and consider all relevant factors associated with
their particular needs/requirements.
 Public Exchanges are operated by the Federal and/or State Governments that have contracted with third parties to perform some services.
Wells Fargo does not warrant the sufficiency of any Public Exchange's data security practices or the adequacy of its capabilities, nor does it
guarantee the appropriate management of the third party service providers engaged by any Public Exchange. It is important that Clients
conduct their own due diligence and consider all relevant factors associated with their particular needs/requirements.