Nov 20, 2025 City Commission Briefing

I DON'T THINK IT'LL,

[00:00:01]

UM, ALRIGHT,

[ Brentwood City Commission Briefing November 20, 2025 Click on Download PDF Packet above to view Briefing Agenda Following discussion of the November 24th Agenda, the item below will be discussed: Portrait display in Library Gathering Room This informational meeting is an opportunity for the Board of Commissioners to discuss the upcoming agenda, to ask questions of staff and applicants, and to request additional information prior to the formal Monday meeting.]

FIR, UH, ALL OF OUR ITEMS ARE CONSENT ITEMS AND, UH, I BELIEVE THAT'S CORRECT.

LEMME DOUBLE CHECK.

YEAH.

ARE ALL CONSENT ITEMS. SO, UH, AND IT'S A BIG FOCUS.

YOU, YOU'RE GONNA SEE AFTER THIS ITEM, BIG FOCUS ON HEALTH INSURANCE AND THE COMPONENTS.

WE'LL TALK ABOUT THAT.

BUT START OFF WITH, ON THE FIRST CONSENT ITEM, IT'S, UH, THE SECOND READING OF THE ORDINANCE THAT, UH, UH, IS THE SQUARE FOOTAGE CONSTRUCTION COST CALCULATION FOR THE BUILDING PERMIT FEES.

AND JUST A QUICK REMINDER OF THAT, WHAT IT IS, IS IT'S A, UH, VALUATION FACTOR THAT'S DETERMINED BY THE INTERNATIONAL CODES COUNCIL.

AND IT, WHAT ALLOWS US TO DO IS IT'S A PIECE THAT ALLOWS US TO DETERMINE THE VALUE OF WHAT'S BEING CONSTRUCTED.

AND THAT VALUE TURNS AROUND AND HELPS CALCULATE WHAT THE FEE IS.

SO THIS IS THE SECOND READING ON THAT.

ANY QUESTIONS ON THAT ITEM? OKAY.

ALRIGHT.

GETTING INTO THE HEALTH INSURANCE.

AND SO, UH, WHERE'S APRIL? APRIL, IF YOU WANT TO, WE'VE GOT ROOM TODAY.

IF YOU WANNA GO UP, COME ON UP AND JOIN US.

UH, ANY QUESTIONS? I CAN'T AN ANSWER.

I'LL SEE IF APRIL CAN ANSWER.

IF WE CAN ANSWER, WE'LL GET BACK WITH YOU ON THOSE QUESTIONS.

AND SO I WANT TO TRY TO HIT THE COMPONENTS OF THIS BECAUSE WE HAVE A, WE HAVE A LOT OF, UH, PIECES TO OUR OVERALL HEALTH PLAN, AND IT'S A GREAT HEALTH PLAN.

UH, AND SO I'M GONNA KIND OF START AT A HIGH LEVEL AND THEN TRY TO BRING IT IN A LITTLE BIT FOR YOU.

AND PLEASE FEEL FREE TO ASK QUESTIONS ALONG THE WAY.

AND AS I MENTIONED, THERE'S A QUESTION WE CAN ANSWER TODAY.

IT IS ON CONSENT.

UH, LET US KNOW.

WE'LL, WE'LL RESEARCH IT.

OR IF YOU HAVE A QUESTION LIKE TOMORROW OR SOMETHING, JUST SEND ME AN EMAIL.

WE'LL, WE'LL GET YOU AN ANSWER.

BUT I WANNA START WITH, UM, I'M GONNA SKIP THIS.

I'M GONNA GO BACK, I'M GONNA START WITH THIS TABLE OF THESE COUPLE OF TWO TABLES RIGHT THERE.

SO I WANNA TALK ABOUT THE COMPONENTS OF THE HEALTH PLAN.

SO GENERALLY, FROM THE PRIVATE PERSPECTIVE, YOU'RE KIND OF USED TO, YOU GO BUY HEALTH INSURANCE, YOU GET A CLAIM, EVERYTHING'S HANDLED BY, UH, HEALTH INSURANCE.

UH, AND SO WE, WE START FROM THERE AND IS THE CITY AND, AND COMMERCIAL ENTITIES AS WELL.

THERE ARE A LOT OF OPTIONS, RIGHT? SO THE FIRST AND FOREMOST, SOMEBODY DOESN'T WANT US TO TALK ABOUT HEALTH INSURANCE.

, UM, , IT'S TOO LONG.

FIRST AND FOREMOST, UH, WE HAVE A COMBINATION OF A, UH, IT'S A, WHAT WE CALL PARTIALLY SELF-INSURED HEALTH PLAN, WHICH MEANS SELF-FUNDED HEALTH PLAN.

SO, UH, IN OTHER WORDS, RATHER THAN JUST FOR THE FULL PLAN TO GO OUT AND JUST BUY HEALTH INSURANCE AND IT ALL RUNS THROUGH THAT, WE JUST PAY THE PREMIUM JUST LIKE YOU WOULD IF IT'S YOURS AND EVERYTHING RUNS THROUGH THAT, WE SELF-INSURE A PART OF THAT.

AND WHAT THAT MEANS IS, IS THAT, AND I'LL GET INTO THE DETAIL, BUT IT MEANS A, A GOOD PART OF THE COST OF THE CLAIMS WE PAY DIRECTLY OUT OF OUR, UH, OUR, OUR ACCOUNTS VERSUS TO BE RUN THROUGH AN INSURER.

SO JUST LOOK AT THESE PIECES ON THE LEFT.

IT'S, UH, WHERE IT STARTS WITH, UH, CATEGORY.

LET'S SEE HERE.

WHOOPS.

HOW DID WE JUST DO? OKAY, HOLD ON A SECOND.

OH, WRONG, BAD.

OKAY, SO I'M GONNA START WITH, I'M GONNA START IN THE MIDDLE.

BCVS ADMINISTRATIVE FEES.

SO BLUE CROSS BLUE SHIELD IS THE ADMINISTRATOR.

SO WHAT THAT MEANS IS, IS THEY MANAGE, THEY MANAGE ALL THE HEALTH RELATED PORTION OF OUR HEALTH INSURANCE OR MOST OF THE HEALTH RELATED PORTION OF THE HEALTH INSURANCE PLANS.

NOT ALL, BUT MOST, WE DON'T DO PRESCRIPTION WITH THEM.

AND SO YOU'LL SEE THE FEE THERE, UH, IS FOR THEIR ADMINISTRATION.

SO, UH, WHAT THAT MEANS IS, IS THOSE CLAIMS THAT GO THROUGH THERE, UM, UNTIL YOU GET TO STOP LOSS, AND I'LL TALK ABOUT THAT.

WE PAY FOR THOSE OUT OF OUR ACCOUNTS.

IN ESSENCE, WE FUND THOSE DIRECTLY OUT OF OUR FUNDS.

AND SO, BUT THEY MANAGE IT FOR US SO THAT WAY WE DON'T HAVE A HUGE TEAM OF STAFF HANDLING CLAIMS AND DOING ALL THAT KIND OF STUFF.

AND THAT'S PRETTY TYPICAL.

AND THAT'S WHAT HAPPENS WHEN YOU JUST BUY HEALTH INSURANCE.

HOWEVER, YOU, YOU HAVE A, YOU HAVE A SITUATION IN WHICH IF A CLAIM FOR AN EMPLOYEE GETS TOO, TOO, UH, TOO LARGE, IT CAN HARM YOU FINANCIALLY.

SO WE BUY WHAT'S CALLED STOP-LOSS.

AND THAT'S THIS RIGHT HERE, SPECIFIC STOP-LOSS.

NOW THAT'S AN INSURANCE PREMIUM FOR THAT, WHICH YOU SEE, WE HAVE A NEGATIVE NUMBER, WHICH IS GOOD.

THAT'S A DIFFERENCE.

THAT MEANS THAT'S COMING DOWN.

WE EXPECT IT TO COME DOWN.

AND IN THAT CASE, AND, AND I'M GONNA HIT, I'M GONNA MIX THESE RIGHT NOW, BUT YOU HAVE SOME, SOME ACTIONS HERE THAT SEPARATE THESE, AND I'LL JUST REMIND YOU OF THAT LATER.

BUT STOP LOSS MEANS ON AN INDIVIDUAL CLAIM, RIGHT NOW, THE CUTOFF IS 85,000, RIGHT? 85,000.

SO WE'LL TAKE ON THE FIRST 85,000 AFTER THAT STOP LOSS, LIKE TYPICAL INSURANCE, THE INSURANCE HANDLES IT, SO IT CUTS OFF OUR CASH FLOW, HARSH PORTION OF IT, AND THEN WE'RE PAYING PREMIUM AND THEY TAKE CARE OF IT AFTER THAT.

THAT'S WHAT THAT IS.

AND SPECIFIC MEANS IT'S EMPLOYEE 85, EVERY EMPLOYEE GETS UP TO 85 IF THEY HAVE CLAIMS. ANYTHING ABOVE THAT, UH, WE HANDLE BELOW THAT.

THEY TAKE IT ABOVE THAT.

THEN WE HAVE AN AGGREGATE STOP-LOSS.

BUT I WILL SAY THERE'S A HYBRID PIECE IN THERE TOO.

WE WILL TALK ABOUT IT MORE IN THE STOP LOSS, BUT WE'VE ADDED, UH, UP TO $150,000 THAT CAN ADD ON TO THOSE INDIVIDUAL CLAIMS. AND IT OFFSETS THE PREMIUM ENOUGH.

IT'S A, IT'S A, IT'S A, FOR US, IT'S REALLY NOT A GAMBLE.

WE COULD

[00:05:01]

IT'S NOT SHOWN HERE, BUT IT'S PART OF THAT.

THE AGGREGATE IS FOR ALL OF OUR CLAIMS. IF ALL OF OUR CLAIMS GET TO A CERTAIN AMOUNT, AND THEN YOU'RE INTO A, A STOP LOSS AT THAT POINT AS WELL.

SO IT'S NOT BASED, IT'S, SO IT'S A COMBINATION.

IT'S BASED ON INDIVIDUAL CLAIMS THEY CUT OFF.

WE GO INTO INSURANCE MODE AND THE TOTAL AMOUNT.

AND SO THAT'S WHY YOU HAVE, UH, THE SPECIFIC AND AGGREGATE.

AND SO IN THOSE CASES, WE BUY THAT INSURANCE.

ONCE WE GET ABOVE CERTAIN AMOUNTS, WE'RE INTO INSURANCE.

AND SO THAT'S WHY WE GET THE, UH, INSURANCE RATES HERE.

AND BOTH OF THOSE, YOU WILL SEE, UH, WE LEVERAGE TO COME DOWN, WHICH IS GOOD.

UM, THE INTEGRATION FEE IS JUST A FEE.

IT'S JUST A, A HANDLING FEE BASICALLY THAT WHERE THEY'RE INTEGRATING, UH, WITH THE, UH, UM, I BELIEVE THAT'S WITH THIS, WITH THE, UH, PRESCRIPTION ASPECT, ISN'T IT? THAT ONE IS ACTUALLY THE STOP LOSS OR THE STOP LOSS, OKAY.

STOP LOSS.

MM-HMM .

UH, AND THEN WE TALKED ABOUT THE BLUE CROSS BLUE SHIELD BECAUSE THEY ADMINISTERED ALL THE MEDICAL CLAIMS. NOW MED BEND DEALS WITH PRESCRIPTIONS.

WE SEPARATE OUT THE PRESCRIPTIONS BECAUSE PRESCRIPTIONS, AS YOU PROBABLY KNOW IF YOU'VE BEEN ON THE COMMISSION FOR A WHILE IN THE LAST FEW YEARS, BECOME A PRETTY BIG DEAL AND A PRETTY COSTLY ITEM.

SO A FEW YEARS AGO, MADE A LOT OF CHANGES.

WE'VE, UH, TO REDUCE THE COST OF THE, OF SPECIAL, UH, PARTICULARLY SPECIALLY, UH, PRESCRIPTIONS.

AND WE USE MED BEND.

AND AGAIN, THEY ADMINISTER JUST LIKE BLUE CROSS BLUE SHIELD DOES FOR THE TYPICAL MEDICAL MED BEND ADMINISTERS FOR THE REST OF IT.

NOW, BOTH OF THOSE, WHEN THEY ADMINISTER, THEY HELP NEGOTIATE COSTS AND DO ALL KINDS OF THINGS FOR YOU.

SO WE USE MED BEND FOR THAT.

AND SO BASICALLY THERE, THE, THE, UH, PREMIUM IS PRETTY SIMILAR.

WE'LL GET A LITTLE BIT MORE INTO THAT, BUT THE PREMIUM IS PRETTY MUCH THE SAME.

IT'S NOT A BIG CHANGE.

UM, WE HAVE A HELP CENTER FOR THE PRESCRIPTIONS AS WELL.

AND THE HELP CENTER IS FOR THOSE, UH, CORRECT ME IF I'M WRONG, WHEN YOU GET TO THE SPECIALTY STUFF THAT'S NOT GONNA BE COVERED UNDER THE TYPICAL PRESCRIPTION, IT GOES OUTSIDE OF THAT.

THAT'S WHERE THE HELP CENTER GETS INVOLVED.

AND THEY WORK WITH THE INDIVIDUAL, WITH THE PROVIDER AND SO FORTH TO TRY TO DEAL WITH THE, UH, REALLY HIGH COST SPECIALIST.

THE STUFF THAT CAN BE, COULD BE THOUSANDS OF DOLLARS A WEEK OR A MONTH, I'M SORRY, A MONTH, UH, COULD BE A WEEK I SUPPOSE, DEPENDS ON WHAT IT IS.

BUT GENERALLY, UH, HUNDREDS TO THOUSANDS DOLLARS, THOUSANDS OF DOLLARS A MONTH.

SO THAT'S ANOTHER LAYER ON THE PRESCRIPTION TO HELP DEAL WITH THOSE HIGH COSTS.

AND THAT'S PART OF THE ADJUSTMENTS THAT HAVE BEEN MADE IN THE LAST FEW YEARS TO REDUCE THE COST OF THOSE REALLY EXPENSIVE SPECIALTIES.

AND THEN WE, WE, WE TALK ABOUT WHAT'S CALLED AN AGGREGATE.

LEMME GET BACK THERE, UH, AGGREGATE STOP LOSS ATTACHMENT POINT, RIGHT? THAT'S THE POINT AT WHICH IT IN ESSENCE, AND IT'S, IT'S A BIT OF AN ESTIMATED COST THAT WE ANTICIPATE THAT WE'RE FINISHED PAYING.

AND GENERALLY EVERYTHING ELSE IS COVERED ON THE MEDICAL SIDE, UH, BY THE STOP-LOSS.

IS THAT ACCURATE WAY? I WANNA KEEP IT PRETTY SIMPLE, BUT I WANNA MAKE SURE I'M NOT MISSING SOMETHING HERE.

AND SO THAT STOP, THAT STOP-LOSS ATTACHMENT POINT, AND WE'LL, WE'LL TALK ABOUT ON THE STOP-LOSS PROVIDER IS LOWER THAN IT WAS LAST YEAR, WHICH MEANS WE EXPECT TO BE IN INSURANCE QUICKER AND USE LESS CASH OUT OF OUR ACCOUNTS.

THAT'S A GOOD THING.

UH, SO THAT'S A GOOD THING.

SO THAT'S A REALLY IMPORTANT THING.

AND SO WHAT WE SHOW HERE IN THE MAXIMUM LIABILITY IS ESTIMATED BECAUSE YOU REALLY ARE TRYING TO PROJECT WHAT YOUR CLAIMS ARE GONNA BE.

AND YOU DON'T KNOW FOR SURE IF, UH, IF WE ALL KNEW EXACTLY WHAT OUR CLAIMS WOULD BE, WE WOULD USE THAT KNOWLEDGE AND WHAT WE LEARNED FROM OUR EMPLOYEE APPRECIATION DAY AND WE'D ALL GO TO LAS VEGAS .

SORRY.

IT IS KIND OF REMARKABLE THAT OUR AGGREGATE STOP-LOSS PREMIUM IS DOWN BY 700,000, 7,000, WHICH IS LIKE, WHAT WAS THAT 40% OR? YEAH.

AND WE'LL TALK A LITTLE BIT, I'M SORRY.

GO AHEAD.

HAVE OUR AGGREGATE STOP-LOSS ATTACHMENT POINT ALSO COMING DOWN.

'CAUSE WHEN THE PREMIUM CAME DOWN LIKE THAT, EXPECT THE THE STOP-LOSS ATTACHMENT POINT TO GO OFF.

ABSOLUTELY.

SO I MEAN, YEAH, I GUESS THAT REALLY SPEAKS WELL TO THE, THE HEALTH OF THE TEAM AND THE, THE WAY PEOPLE ARE UTILIZING THEIR BENEFITS FOR MAYBE PREVENTION RATHER THAN, YOU KNOW, I GUESS CHRONIC CONDITIONS OR, OR SOMETHING.

THERE'S SOMETHING, YEAH.

AND WE USE A, A A A, A COMPANY CALLED CHERYL MORGAN THAT YOU PROBABLY SOME OF YOU'RE FAMILIAR WITH, WORKS VERY CLOSELY WITH HR.

WE MEET, WE GO THROUGH ALL THIS IN GREAT DETAIL.

THEY GO OUT, THEY'RE, I'M NOT A BROKER, THEY'RE THERE TO PROVIDE CONSULTATION FOR US AND, AND THEY HELP US PUT TOGETHER, THEY HELP US GO, UH, THEY LOOK AT IT ALL.

THEY MAKE HELP, MAKE RECOMMENDATIONS, UH, THEY'LL GO OUT AND TRY TO LEVERAGE THE QUOTES AND THINGS.

AND THEY'VE WORKED REALLY, REALLY HARD TO HELP MAKE THIS HAPPEN.

SO I'M GONNA GIVE THEM A LOT OF CREDIT BECAUSE THAT'S WHAT THEY, THAT'S WHAT THEY DO.

AND THEY'VE DONE A PRETTY GOOD JOB, WE THINK.

SO DID YOU HAVE TO SWITCH CARRIERS TO GET THOSE PREMIUMS STOP-LOSS? YES.

AND WE'LL, I'LL COVER THAT HERE PRETTY QUICK, BUT STOP LOSS, WE HAVE THAT MAKES SENSE.

YEP.

SO, SO THIS IS THE, WHEN WE THINK OF THE GENERAL KIND OF POT OF MOST OF THE COSTS HERE, THIS IS MOST OF IT.

NOW, THIS DOESN'T COUNT THE, THE PREMISE, UH, THE CLINIC WE HAVE WHERE THE CITY PAYS AS AN ENHANCED BENEFIT BECAUSE IT MAKES SENSE FOR THOSE.

AND IT'S OPTIONAL.

YOU DON'T HAVE TO USE IT, BUT IT'S A GREAT BENEFIT.

NO, UH, COPAYS.

YOU GO DOWN THERE FOR ALL YOUR TYPICAL CLINIC TYPE, UH, NEEDS, PRESCRIPTION NEEDS, IT'S TERRIFIC.

JUST RIGHT DOWN THE ROAD, IT'S

[00:10:01]

THAT'S AN ADD-ON.

SO YOU DON'T SEE THAT HERE.

SO THAT'S AN ADD-ON THAT WE DO, BECAUSE IT MAKES SENSE TO START THERE.

IT'S LESS COSTLY FOR US IN THE LONG RUN IF PEOPLE START THERE.

SO THAT'S WHY WE OFFER THAT.

IT'S SORT OF AN, YOU KNOW, A LOT OF LARGER, LIKE A LOT LARGER COMPANIES IN, IN, IN THE PAST, UH, PROBABLY 20, 30 YEARS HAVE PLAYED AROUND WITH HAVING CLINICS WITHIN THEIR BUSINESS, CORPORATE, YOU KNOW, FOOTPRINT.

WE'RE NOT LARGE ENOUGH TO DO THAT, BUT IT SORT OF SERVES AS THE SAME TYPE OF THING RIGHT DOWN THE ROAD.

SO VERY, VERY GOOD.

UH, AND, AND THERE, THERE ARE ALSO THINGS IN THE PHARMACY THAT IF YOU GO, IF YOU WANT TO, YOU LOOK AROUND TOWN AT DRUG STORES TO BUY, THERE'S CERTAIN PRODUCTS THAT THEY ACTUALLY OFFER THERE, YOU'LL GET DISCOUNTS THAT CAUSE THE PRICE TO BE MUCH, MUCH LOWER THAN YOU COULD FIND ANYWHERE ELSE.

SO WE ALWAYS ENCOURAGE PEOPLE IF YOU CAN PREMISE FIRST, UH, AND THE SERVICE INCREDIBLE.

AND PEOPLE REALLY TALK HIGHLY ABOUT THAT.

SO, UH, THE NEXT PART I WANNA COVER, JUST, WE HAVE TWO MAIN MEDICAL PLANS.

UH, THIS IS WHERE BLUE CROSS BLUE SHIELD, UH, MANAGES IT FOR US.

WE HAVE THE S PLAN AND THE P PLAN.

AND THE ONLY DIFFERENCE IS, IS THE, UH, THE P PLAN, UH, IS A LITTLE MORE EXPENSIVE BECAUSE IT, IT OPENS UP THE, UH, THE HOSPITAL NETWORK A LITTLE BIT MORE.

UH, AND THAT RELATES TO THE PHYSICIAN NETWORK AS WELL, JUST A LITTLE BIT MORE, BUT NOT SIGNIFICANTLY.

SO MOST EVERYONE GOES WITH THE S PLAN, UNLESS SOMEONE HAS A PARTICULAR PHYSICIAN OR HOSPITAL OR DEPENDING ON LOCATION THAT THEY LIVE OR SOMETHING THAT THEY WANT TO GO TO, THEY'LL CHOOSE THE S PLAN.

I THINK IT WAS AT LEAST NI AROUND 90%, SOMETHING LIKE THAT.

MM-HMM .

AND SO WHAT YOU'RE GONNA SEE, THE KEY, THE THEME ON BOTH OF THOSE IS THAT FOR THIS YEAR, WE ARE NOT RECOMMENDING A CHANGE.

AND YOU'LL SEE THE TIERS IN THE EMPLOYEE, ONLY, EMPLOYEE, SPOUSE, EMPLOYEE, CHILDREN, OR FAMILY, THOSE FOUR TIERS ON EITHER OF THOSE SRP SCENARIOS, WE'RE NOT RECOMMENDING ANY CHANGE TO THE EMPLOYEE'S PREMIUM.

SO YOU'LL SEE ON THE VERY RIGHT COLUMN THERE DIFFERENCE 0, 0, 0, 0.

NOW, WE'LL TALK A LITTLE BIT MORE ABOUT THAT HERE IN JUST A SECOND, BUT WE'VE HISTORICALLY KEPT THOSE NUMBERS FLAT FOR A LOT OF YEARS.

UH, IT'S A, UH, OBVIOUSLY WHEN YOU'RE THE ONE PAYING IT, UH, YOU WANNA KEEP IT FLAT, RIGHT? UH, BUT WE HAVE TO OBVIOUSLY THINK ABOUT AND MANAGE OUR BALANCES AND MAKE SURE, UH, THAT WE KEEP, KEEP, UH, OUR HEALTH OF OUR, OF OUR, UH, THE, THE HEALTH OF OUR HEALTH PROGRAM, UH, FINANCIALLY PRETTY STRONG.

SO YOU ALWAYS HAVE TO LOOK AT THOSE EACH YEAR.

SO RIGHT, FOR THIS YEAR, WE ARE RECOMMENDING THAT THAT STAY THE SAME.

I WILL, I WILL COME BACK TO THAT, BUT I WANTED TO MAKE SURE YOU SAW THAT.

UM, THIS IS A, THIS IS PRETTY BUSY.

THIS IS REALLY JUST A CASH FLOW CHART.

SO FROM 18 2018 TO 26, YOU SEE THE STARTING FUND BALANCE AND THOSE, THAT'S THE BALANCE OF THE FUNDS THAT WE KEEP SPECIFIC TO OUR HEALTHCARE PROGRAM.

UH, YOU, YOU SEE THE DETAIL AND YOU GO TO TOTAL REVENUES, MORE DETAIL, TOTAL EXPENSES, AND THEN IN THE END YOU SEE THE CHANGE TO THE FUND BALANCE.

SO I WANNA START AT THE BOTTOM.

THE FUND BALANCE HAS, HAS VARIED.

UH, RIGHT NOW WE'RE PROJECTING, WE'RE AT THIS YEAR ABOUT THREE POINT, UH, FIVE TO 3.6 MILLION.

WE'RE PROJECTING NEXT YEAR AT ABOUT 3 MILLION.

NOW THE REASON WE'RE PROJECTING THAT IS BECAUSE WHEN YOU LOOK AT THE TOTAL REVENUE FUND BALANCE UP HERE IN THE MIDDLE, THIS, THIS TOTAL, UM, YOU'LL SEE THAT WE HAVE KEPT THE, ON THE REVENUE SIDE, GENERALLY, UH, KEEP KEPT THAT PRETTY STATIC OVER THE LAST FEW YEARS.

NOW, SOME CAN ARGUE IT'S A GOOD OR BAD THING, BUT THE KEY IS, IS HOW DOES IT RELATE TO THE EXPENSE AND THE BOTTOM LINE.

SO WHAT YOU'RE GONNA FIND OUT IS, IS WHEN YOU LOOK IN 24, THE FUND BALANCE WAS ABOUT 3.8.

IT BUILT UP TO ABOUT 3.8 MILLION, WHICH IS VERY, VERY HEALTHY.

AND 3 MILLION IS VERY, VERY HEALTHY TOO.

SO I DON'T WANT YOU TO BE CONCERNED WITH THAT.

BUT THIS YEAR, UH, THE ACTUAL, AND, AND THERE'S STILL SOME YEAR LEFT, WE THINK IT'LL BE DOWN TO ABOUT ROUGHLY 3.57, 3.6.

UH, SO THAT GOES DOWN A COUPLE HUNDRED THOUSAND DOLLARS.

THE MAIN REASON IS BECAUSE OF A LITTLE BIT OF TICK UP AND SOME MEDICAL CLAIMS, WHICH IS GONNA HAPPEN, NO YEAR'S GONNA BE CONSISTENT.

UM, WE DON'T REALLY BELIEVE THAT THERE'S A, UH, WHAT I'D CALL A BAD YEAR PATTERN HAPPENING.

BUT YOU DO SEE AN ESTIMATE ON THE MEDICAL CLAIMS OF ABOUT 3.1 MILLION.

I, THAT'S REALLY MORE OF A CONS, WHAT I BELIEVE IS CONSERVATIVE APPROACH.

SO UNLESS WE HAPPEN TO ENTER INTO WHAT I WOULD CALL A BAD YEAR, AND I DON'T THINK THERE'S EVIDENCE YET OF THAT, ALTHOUGH YOU CAN'T ALWAYS PREDICT EVERYTHING, I THINK WE'LL, WE'LL BE BETTER THAN THAT.

AND I THINK THE IMPACT, UH, AS A RESULT, UH, TO THE FUND BALANCE WILL BE A LITTLE MORE POSITIVE THAN THE THREE, BUT THREE IS ABOUT 55%, I BELIEVE, OF THE TOTAL COST, WHICH IS CONSIDERED TO BE PRETTY HEALTHY IN INDUSTRY.

SO WE'RE IN REALLY GOOD SHAPE THERE.

BUT IT IS SOMETHING WE JUST WANNA PAY ATTENTION THIS YEAR AND SEE WHERE THE CLAIMS GO.

I'D LIKE TO SEE 'EM A COUPLE HUNDRED THOUSAND AT LEAST BELOW THAT 3.1 NUMBER.

UH, I THINK IT COULD BE THERE, WE DON'T KNOW.

IT'S, IT'S ALWAYS A PROJECTION, BUT THERE'S NO EVIDENCE TO SUGGEST WE'RE ON A HUGE UPSWING IN CLAIMS RIGHT NOW.

BUT WE DO WANNA PAY ATTENTION BECAUSE WE'RE, UH, WE DO WANNA MAKE SURE WE CONTINUE TO KEEP THAT FUND BALANCE AT A HEALTHY, UH, UH, HEALTHY LEVEL.

AND SO WE'LL BE PAYING ATTENTION TO THAT.

BUT AGAIN, THIS IS A ONE YEAR LOW, HIGH, LITTLE BIT HIGHER CLAIMS THAN THIS YEAR, MORE OF A GENERAL PROJECTION.

SO WE REALLY DON'T KNOW.

SO WE DON'T HAVE A TREND OR ANYTHING LIKE THAT TO WORRY ABOUT.

AND WE'RE IN PRETTY GOOD SHAPE.

SO

[00:15:01]

YEAH.

LET'S SEE.

LET ME GO BACK.

UH, I'M SORRY, WHICH, WHICH NUMBER ARE YOU THINK 2 21 AND 22? IT LOOKS LIKE THE MEDICAL CLAIMS WERE 3.0.

YES.

3.3 VERSUS 2.7 THIS YEAR.

YEAH, WE SEPARATED.

IF YOU LOOK THOUGH ON SPECIALTY DRUGS, WE SEPARATED 'EM OUT.

SO YEAH, GO AHEAD AND ADD THOSE.

BUT EVEN SO, EVEN SO YOU, YOU'RE, WHAT YOU SAID IS STILL CORRECT.

IT SAYS BEFORE WE STARTED THE CARVE OUT WITH THE SPECIALTY DIRECTION, THAT WAS, THAT WAS THE BIG MOVE, AND THAT'S WHAT REALLY MADE A DIFFERENCE THERE.

BUT EVEN SO, YOU'RE RIGHT, VENTURES IS THE SIGNIFICANT NUMBER.

YEAH, THE, YEAH, THERE THE, UM, OTHER PROFESSIONAL SERVICES, JUST CURIOUS.

THOSE ARE THE, UH, FEES THAT WE HAVE TO PAY, THE ADMINISTRATIVE FEES THAT WE HAVE TO PAY IN ORDER TO RUN THE PLANS.

OKAY, SO THE ONE THING I WANTED TO BE SURE THAT YOU UNDERSTOOD IS, IS, IS THAT, UH, WE HAVE PRETTY GOOD NEWS AND I THINK ON THE PLAN STRUCTURE FROM THE BEGINNING, UM, BECAUSE OF THAT, WE BELIEVE WE CAN GO AHEAD AND LEAVE THE, UH, THE EMPLOYEE ALL FOUR TIERS OF, OF, UH, THEIR COST OUT OF POCKET, WHICH IS THOSE PREMIUMS THE SAME.

UH, BUT WE ARE, I WANT YOU TO KNOW WE ARE PAYING ATTENTION EVEN THOUGH WE'RE JUST, WE'VE JUST HAD ONE YEAR TOUCH HIGHER IN COSTS, AND WE'D LIKE TO SEE, UH, THAT 3.1 IS JUST A, IT'S MORE OF A FINANCIAL, UH, PROJECTION MORE THAN IT IS A HEALTH RELATED FINANCIAL PROJECTION THAT I THINK WE'LL ACTUALLY DO BETTER.

BUT JUST TO LET YOU KNOW THAT WE ARE PAYING ATTENTION TO THAT BALANCE, AND WE WILL, UH, FOLLOW IT THROUGHOUT THE WHOLE YEAR.

AND, AND AT SOME POINT IF WE SAY, WELL, WE, UH, OUR, OUR COSTS ARE GOING A LITTLE HIGHER THAN WE EXPECT, AND, AND AGAIN, WE HAVE SOME GOOD MOVES WITH OUR STOP LOSS HERE AND SOME OTHER THINGS, THAT'S WHY I THINK WE'RE GONNA BE IN PRETTY GOOD SHAPE.

BUT IF BY CHANCE WE'RE WRONG, WE'RE PAYING ATTENTION, GONNA LOOK AT IT.

AND IF WE HAVE TO MAKE ADJUSTMENTS AS WE, I MEAN, IF IT'S REALLY BAD, YOU HAVE TO MAKE ADJUSTMENTS MID-YEAR, I GUESS YOU HAVE TO DO THAT.

OTHERWISE, WE'LL BE LOOKING AT THE NEXT YEAR, UH, RENEWAL, MAKING ADJUSTMENTS, WHICH IS REALLY WHERE YOU WANT TO BE AND DECIDE WHAT THOSE WOULD BE AND WHERE THOSE WOULD BE.

YOU CAN STILL FOCUS ON THE COST SIDE, YOU COULD FOCUS ON THE REVENUE SIDE OR YOU FOCUS ON BOTH.

BUT JUST TO MAKE, MAKE SURE YOU'RE AWARE, WE'RE PAYING PRETTY CLOSE ATTENTION TO IT.

ALRIGHT? UM, SO THAT'S, THAT'S THE MAIN PACKAGE.

I'LL GET INTO SOME OF THESE PIECES AS WE GET INTO THESE NEXT AGENDA ITEMS BECAUSE WE HAVE TO SEPARATE 'EM OUT BECAUSE OF THE AGREEMENTS, BUT THAT'S KIND OF THE, THE BIG NEWS.

LET ME SEE IF THERE'S ANYTHING HERE THAT, UH, I PROBABLY NEED TO HIT IN, UH, APRIL, IF THERE'S SOMETHING THAT YOU'RE THINKING OF.

ONE THING I DO WANT TO HIT, AND THIS IS IN YOUR PACKET, IS THAT, UM, WE TALK ABOUT THE CITY'S PER EMPLOYEE PER MONTH HEALTH PLAN COST, AND I DON'T HAVE A GRAPHIC FOR IT, BUT IT'S IN YOUR PACKET, BUT IN, UH, 2021, IT WAS $13,857 PER EMPLOYEE, UH, PER MONTH HEALTH COST.

SO IT'S A GOOD INDICATOR.

AND, UH, WE'RE, WE'RE PROJECTING IT TO BE AROUND 16,738 THIS YEAR.

SO THAT'S FROM 21 TO 26, THAT'S FIVE YEARS.

THAT'S ABOUT ONLY A 4% CHANGE EACH YEAR.

THE MARKET'S BEEN, I THINK ABOVE 10.

THEY HAVE 10 TO 12, SO 10 TO 12.

SO THAT DOESN'T MEAN THAT WE JUST HAVE AN EXPERIENCED COST.

THAT MEANS THAT THE CHANGES, THE MODIFICATIONS, PAYING ATTENTION EACH YEAR TO THE PLAN AND THE STRUCTURE AND ALL THOSE THINGS HAVE HELPED US KEEP OURS REASONABLE COMPARED TO THE INDUSTRY.

SO I WANNA POINT THAT OUT.

I THINK THAT'S, THAT'S A REALLY GOOD THING.

AND I DO, AGAIN, I WANT TO GO BACK HRS ATTENTION TO THAT, UH, UH, YOUR FORMER CITY MANAGER WHO HAD BACKGROUND IN THAT, HE PAID A LOT OF ATTENTION TO THAT.

AND CHERYL MORGAN HAS BEEN INVALUABLE WITH THAT AS WELL.

SO GIVE CREDIT WHERE CREDIT DUE.

UM, LET'S SEE IF THERE'S ANYTHING ELSE HERE.

THOSE, THOSE ARE THE BIG THINGS.

I WANNA GO BACK A LITTLE BIT AND TALK ABOUT, JUST BECAUSE YOU MAY BE INTERESTED IN HOW DOES IT WORK FROM THE EMPLOYEE'S PERSPECTIVE OF, OF, OF ALL THESE, THESE PLANS AND THESE ENTITIES AND SO FORTH, AND HOW DOES THE COST WORK? SO I'M GONNA GO BACK TO A GRAPH HERE, AND THIS IS JAY'S WORK.

SO IF I MISSAY SOMETHING JAY, JUMP IN.

BUT THIS WAS TO HELP GRAPHICALLY SHOW, BECAUSE IT'S VERY CONFUSING BECAUSE PART OF WHAT WE HAVE, IT'S NOT SOMETHING THAT CONTRACTUALLY OR AGENDA WISE IS IMPORTANT TO YOU.

BUT AS FAR AS UNDERSTANDING HOW THE PLAN WORKS, IT'S VERY IMPORTANT TO YOU.

IT'S CALLED THE HRA HEALTH REIMBURSEMENT ACCOUNT.

FIRST AND FOREMOST, WE DON'T DO IT IN A REIMBURSEMENT APPROACH.

IT'S A FRONT END COST COVER APPROACH, WHICH IS FINE.

SO HERE'S WHAT HAPPENS.

UH, WE DO HAVE, UH, EMPLOYEE, UH, DEDUCTIBLES, FOR EXAMPLE, AN INDIVIDUAL'S $5,000, I BELIEVE THAT'S CORRECT, CORRECT? AND THIS, THIS WORKS OFF THE INDIVIDUAL.

UH, YOU COULD APPLY A SIMILAR APPROACH TO THE FAMILY COVERAGE AS WELL, OR ANY OF THE TIERS, BUT THIS IS THE INDIVIDUAL.

SO NORMALLY YOU THINK, OKAY, DEDUCTIBLES 5,000.

WHAT THAT MEANS IS, IS YOU PAY OUTTA YOUR POCKET $5,000 AND TELL INSURANCE KICKS IN AT ALL, AND THEN YOU'RE IN A COPAY, WHICH IS A PERCENTAGE SPLIT.

WELL, WE HAVE THIS HEALTH REIMBURSEMENT ARRANGEMENT WHERE THE CITY ACTUALLY STEPS IN EARLY AND YOU WILL NOT PAY AS AN EMPLOYEE $5,000.

YOU'LL PAY, IN THIS CASE, A HUNDRED PERCENT OF THE FIRST $500.

OUR HRA WILL PAY THE NEXT 4,500 FOR YOU, WHICH IS AN INCREDIBLE

[00:20:01]

AND THEN AFTER THAT, THE CITY HEALTH PLAN PAYS 90% AND EMPLOYEE PAYS 10% OF THE NEXT FIVE.

AND, AND THEN, UH, IF YOU, UH, GET IN A LITTLE BIT FURTHER, AT SOME POINT HERE, YOU'RE INTO THE CITY HEALTH PLAN PAYING A HUNDRED PERCENT BEYOND THE 20,000 AMOUNT.

THE POINT IS, IS THAT WHEN WE TALK ABOUT THE DEDUCTIBLES, NORMALLY THAT'S WHAT THE EMPLOYEE WOULD PAY OUT.

BUT BECAUSE OF THIS SIDEBAR HEALTH REIMBURSEMENT ARRANGEMENT, IT ACTUALLY ELIMINATES THAT BIG BURDEN, WHICH IS A TREMENDOUS BENEFIT.

AND QUITE HONESTLY, THAT'S SOMETHING I KNOW HR PROBABLY EXPLAINS WHEN WE'RE TRYING TO RECRUIT FOLKS, RIGHT? BECAUSE THERE'S SO MANY PIECES HERE.

THAT'S A BIG ONE BECAUSE MOST PEOPLE CAN SAY IF THEY'RE, IF THEY'RE COMPARING HEALTH PLANS, WELL YOUR DEDUCTIBLES HIGHER THAN THEIRS OR LOWER THAN THEIRS, OR WHATEVER IT MIGHT BE.

BUT IF WE SAY, YEAH, BUT HOLD ON, HERE'S WHAT WE DO WITH OURS, AND YOU'RE ONLY GONNA PAY 500 OF THAT FIRST 5,000, THAT'S A TREMENDOUS BENEFIT.

AND THAT'S COST RIGHT OUTTA YOUR POCKET.

CONSIDER THAT INCOME SAVED.

IT'S A BIG DEAL.

SO I JUST KIND OF WANT TO POINT THAT OUT BECAUSE IT IS CONFUSING.

AND THEY WILL TELL YOU, FOR THOSE OF YOU, I DON'T KNOW WHOSE, WHOSE, UH, EXERCISE ABILITY TO BE ON THE PLANET, BUT, BUT THEY, THEY GIVE YOU THIS CARD BECAUSE IT CAN BE CONFUSING TO THE PROVIDER.

AND THEY TELL YOU, TAKE THAT CARD, MAKE SURE THEY SEE IT, PUT IT IN FRONT OF THEM.

AND EVEN AFTER THAT, IF THEY SAY, NO, NO, IT'S 5,000, AND YOU SAY, TIME OUT, CALL HR, THEY'LL CONNECT WITH BLUE CROSS BLUE SHIELD, THEY'LL CALL AND THEY'LL FIX IT FOR YOU.

BUT THAT IS A REALLY BIG DEAL.

UH, IT'S A HUGE DEAL FOR EVERYBODY.

SO IT, IT DOES REALLY HELP TO HAVE A CARD.

LIKE IF I HAVE A CARD AND RHONDA DOESN'T, IT DIDN'T REALLY WORK VERY WELL, .

SO WE'RE GONNA FIX THAT WHEN WE GET HOME.

BUT IT IS, AND I I, WHEN THE PEOPLE AT THE DOC DOCTOR'S OFFICE, PHYSICAL THERAPY IS, WHAT'S RHONDA'S DOING RIGHT NOW, WHEN THEY CALL THAT UP, IT, IT DOESN'T SHOW.

AND THOSE PEOPLE ARE SO BUSY ANYWAY.

AND YOU CAN SAY, CALL BLUE CROSS BLUE SHIELD, THEY DON'T CALL 'EM, YOU KNOW, SO THIS REALLY HELPS.

IT'S REALLY GOOD.

APRIL.

YEP.

GOOD.

I'M GLAD.

IT'S HELPFUL.

IT ACTUALLY WALKS THE, THE CARRIER THROUGH THE STEPS TO FIND WHERE THEY CAN SEE WITH THEIR OWN EYES THAT THE EMPLOYEE IS ONLY RESPONSIBLE FOR THE 500 AND THAT THE HRA PAYS FOR THE REST.

AND THAT HRA IS RUN THROUGH BLUE CROSS BLUE SHIELD.

YEP.

AND SO SHE SAID, EYES, THAT REMINDED ME ON THE MEDICAL SIDE WITH BLUE CROSS AND BLUE SHIELD, THERE'S A SMALL VISION BENEFIT, UH, THAT'S PART OF THAT AS WELL.

SO THE VISION COMES IN UNDER THAT.

IT'S NOT HIGHLIGHTED DIFFERENT.

IT'S A VERY SMALL COST PIECE, BUT IT'S PART OF THAT.

OKAY.

UH, SO WE'LL KEEP TALKING ABOUT THAT.

I'LL GO TO MED VIN, WHICH IS OUR PRESCRIPTION.

SO YOUR CONSENT ITEM, UH, CONSENT AGENDA.

ITEM THREE IS RENEWAL FOR THE PROPOSAL, UH, FROM MED BEND, WHICH WE DID, UH, TALK ABOUT.

AND SO REALLY THIS JUST LAYS OUT THE ANNUAL COST OF MED BEND TO ADMINISTER THE PROGRAM FOR US.

AND IT'S EVERYTHING BUT THE, THAT'S WHAT WE CALL THOSE SPECIALTY, THOSE REALLY HIGH COST SPECIALTY DRUGS.

AND THEY DO A REALLY GOOD JOB WITH THIS.

UH, AND SO IT'S ABOUT A 26,000, ALMOST $400 FOR THEM TO ADMINISTER THAT FOR US.

AND WE'VE HAD REALLY, REALLY GOOD LUCK WITH THEM IN THE PAST.

AND IT'S NOT REALLY MUCH TO SAY ABOUT THAT UNLESS APRIL, YOU WANNA, THERE'S ANYTHING YOU'D LIKE TO ADD.

SO AGAIN, THAT'S GOOD PART OF THE COMPONENT WE'VE TALKED ABOUT.

I, UH, I SEEM TO BE THE SPOKESPERSON FOR OUR PLAN, BUT ME THEN, AND, AND RX HEALTH, THEY HAVE BOTH BEEN VERY GOOD ABOUT FOLLOWING UP.

MED BEND CALLS ME EVERY TWO OR THREE MONTHS JUST SAYING EVERYTHING, OKAY, ANYTHING CHANGE, DO YOU HAVE ANY ISSUES? THEY, THEY PROACTIVELY CALL ME WITHOUT ME HAVING TO CALL THEM.

IT'S VERY NICE.

YEAH, THAT'S GOOD.

THAT'S PART OF THEIR APPROACH TO MANAGING THE, THE CARE, WHICH IS GREAT 'CAUSE YOU DON'T ALWAYS GET THAT.

UM, CONSENT TO AGENDA ITEM FOUR AS A RESOLUTION AUTHORIZING ACCEPTANCE OF THE PROPOSAL FROM BARDEN INSURANCE GROUP FOR STOP-LOSS INSURANCE.

REMEMBER THAT'S ON THE PRIMARY MEDICAL WHEN WE GET PAST THE 85 PER INDIVIDUAL, UH, OR THE AGGREGATE OR THE LITTLE BIT OF ADD-ON THE 150,000 ADD-ON TO THAT TO INDIVIDUAL STOP-LOSS.

AND IT GOES INTO INSURANCE COVERING IT.

THIS IS THE INSURANCE THAT COVERS IT.

AND SO THIS CHART HAS A WHOLE LOT OF THINGS.

IT'S REALLY BUSY.

BUT UM, THAT ACTUALLY IS THE CHART BEFORE SYMETRA FIRMED UP THEIR QUOTES.

OH, OKAY.

THIS IS SYMETRA FIRM QUOTES.

SO WE OH, THAT'S THE DIFFERENCE.

YES.

THE 1.5 AND OH, OKAY.

INSTEAD OF, OKAY, THAT ANSWERED THE QUESTION THAT YOU HAVE ANSWERED.

I APPRECIATE THAT.

SURE.

SO, YEAH, THANK YOU.

SO, UH, WE WERE WITH NORTH RIVER BEFORE AND SO WE, WE TRIED TO WORK WITH THEM, BUT YOU CAN SEE, UM, THEY HAD, UH, AN INCREASE, UH, OF 28%.

WE DIDN'T CARE FOR THAT A LOT.

UH, AND SO THIS IS WHERE I WANNA GIVE CHERYL MORGAN A LOT OF CREDIT TO, THEY WENT OUT AND THEY SOLICITED 6 16, 16, AND THEN AT THAT POINT, YOU GET 'EM ENGAGED, YOU WANT TO HAVE 'EM FIRM UP THEIR QUOTE SO YOU CAN UTILIZE IT.

FOUR, I BELIEVE, DID THAT.

SO THE ONE THING I WANNA POINT OUT IS, IS THE SYMETRA IS WHAT WAS THROWING ME.

UH, AND, AND APRIL, UH, SAID, YEAH, THIS IS, THIS IS THE OUTDATED CHART.

THE CURRENT CHART DOES NOT SHOW.

'CAUSE YOU COULD ASK YOURSELF

[00:25:01]

AND THEY SHOW MINUS 16.6, WHY WOULDN'T WE GO WITH THEM? THAT'S BECAUSE THEIR FINALIZED FIRM QUOTE WAS ACTUALLY 1.5% HIGHER.

SO THAT NUMBER IS, IS WRONG.

THE UPDATED NUMBER THEY PROVIDED US AT THE END OF THE PROCESS WAS HIGHER.

SO HIGHER THAN OUR CURRENT.

HIGHER THAN OUR CURRENT, YES.

YEAH.

UM, AND SO WE'RE AT, UH, ABLE TO SAVE 10.5% WORKING WITH BARDEN.

AND AGAIN, THAT GOES TO CHERYL MORGAN GOING OUT, SOLICITING, EVALUATING, FOLLOWING UP, FIRMING UP.

AND, AND, AND BARDEN STOOD OUT.

SO WE SAID, WELL, IT MAKES SENSE TO CHANGE FROM, UH, NORTH RIVER OVER TO BARDON AND TO SAVE THAT.

THE OTHER THING IS WHAT'S CALLED THAT ATTACHMENT POINT, WHICH I MENTIONED, WHICH IS WHEN YOU GET PAST THAT, EVERYTHING IS REALLY FLOWING INTO INSURANCE AND UH, THEIR ATTACHMENT POINT IS SIGNIFICANTLY LOWER.

SO THOSE ARE THE REASONS I BELIEVE THAT, UH, WHEN WE LOOKED AT THAT TOTAL COST, I THINK WE'RE GONNA, WE'RE GONNA BEAT OUR NUMBERS.

IF WE HAVE AN AVERAGE YEAR, LET'S PUT IT THAT WAY, IT CAN ALWAYS FALL INTO A BAD YEAR, A REALLY BAD YEAR.

BUT IF WE HAVE A TYPICAL AVERAGE YEAR, I THINK WE'RE GONNA BEAT THAT.

AND THIS IS WHY.

UM, SO ANYWAY, AGAIN, A LOT OF CREDIT FOR CHERYL MORGAN HELPED US OUT WITH.

ANY QUESTIONS ON THAT? WHAT REFERENCE TO LASER LIABILITY? OH, LASER IS BASICALLY WHEN YOU HAVE A NEW PROVIDER, UH, COME IN AND THEY'RE LOOKING AT SOME, WHAT WOULD BE SOME INDIVIDUALS, BUT REALLY HIGH TYPE CLAIMS, THEY RESERVE THE RIGHT, AND IT'S PART OF THE NEGOTIATION TOO, WHEN YOU THINK OF TOTAL COST TO SAY, WELL, WE DON'T WANT TO KEEP, WE DON'T WANNA HOLD THEM AT THE SAME, UH, UH, STOP-LOSS.

WE WANT TO ADD, ADD SOME STOP LOSS TO THOSE INDIVIDUAL CLAIMS BECAUSE WE THINK THEY MAY CARRY ON INTO THE FUTURE.

SO SOMETIMES THEY'LL, THEY'LL FOCUS IN, AND THEN THERE'S SOME CIRCUMSTANCES WITH THAT TOO.

SO THEY LASER IN ON THOSE.

AND WE HAVE A COUPLE OF THOSE.

AND SO THEY LET ME BACK UP TO THAT TOO.

AND YOU'RE REFERENCING RIGHT HERE.

UH, AND SO THERE'S SOME CIRCUMSTANCES TO THAT.

SO THAT ALLOWS THEM, NOW IT DOESN'T AFFECT THE, THE EMPLOYEE SIDE, IT'S OUR COST SIDE.

AND SO THAT ALLOWS THEM TO BASICALLY ACCEPT A COUPLE OF THOSE ON CERTAIN CONDITIONS.

SO WE DO TAKE THAT IN CONSIDERATION WHEN WE LOOK AT THAT, THE POTENTIAL COST THERE AND THE TOTAL.

AND, UH, BARDEN IS STILL, WELL, WAY BETTER THAN EVERYBODY ELSE.

SO QUESTION, EVEN WITH THIS, WE'RE GONNA SWITCH MM-HMM .

BUT THIS IS A, BEHIND THE SCENES, THE EMPLOYEES DON'T REALLY SEE ANY OF THIS, THIS, THIS ALL DEALS.

THIS IS ALL ABOUT US AND OUR COST.

OKAY.

RIGHT.

YEAH.

IT DIDN'T CHANGE PASSING ON OR ANYTHING LIKE THAT.

ALRIGHT, THANK YOU.

YEAH, GOOD QUESTION.

OKAY.

UM, WE HAVE THE VISION, IT'S PART OF THE BLUE CROSS BLUE SHIELD.

SO WE DO HAVE THE ITEM HERE, AS I MENTIONED, UH, IT'S, IT'S A VERY, VERY, VERY SMALL PART OF IT THAT BASICALLY COVERS, UH, I BELIEVE ONE EXAM, UH, A YEAR.

AND I CAN'T REMEMBER IT'S, UH, FRAMES AND GLASSES.

THERE'S A FREQUENCY THAT THOSE ARE REPLACED.

IT'S A VERY SMALL PIECE.

UM, IT'S ANYTHING TO ADD UNDER THAT.

IT'S, THERE'S NOT MUCH TO IT.

THERE'S NO CHANGES FROM LAST YEAR.

YEAH.

LET'S, LET'S SEE HERE.

LEMME SEE IF I HAVE ANY HIGHLIGHTS HERE.

THE ANNUAL COST FOR THE BENEFIT IS ABOUT $35,000.

UH, BUT IT IS OFFSET, UH, ABOUT 5,700 PREMIUMS, JUST TO GIVE YOU AN IDEA ON THE FINANCIAL SIDE FOR OFFERING IT.

OKAY.

WITH THE VISION BEING INCLUDED, IS HEARING ANYTHING WE EVER, IS THAT COST PROHIBITIVE OR I'M NOT SEEING SEPARATE HEARING BEFORE, IS THAT OFFERED? I MEAN, THERE'S A MEDICAL SIDE TO IT, I'M AWARE.

WE COULD CERTAINLY ASK CHERYL MORGAN TO LOOK INTO THAT, BUT THAT IS VERY COSTLY AND USUALLY NOT.

YEAH, YOU ONLY NEED THAT WHEN YOU NEED .

YEAH.

I'VE JUST NEVER SEEN, IT'S ALL ABOUT ME.

I WOULD TAKE IT TOO.

YEAH.

I'VE NEVER SEEN A SEPARATE, UH, INSURANCE COVERAGE FOR HEARING.

UM, CERTAINLY THERE'S GONNA BE HEARING ASPECTS AND I DON'T, I DON'T KNOW.

POSSIBLY IF YOU, IF IF YOU GO AND YOU TEST AND YOUR HEARING'S NOT GOOD, I ASSUME THAT GOES THROUGH THE MEDICAL, DOESN'T IT? I'M GONNA ASK THE QUESTION.

YES.

SO IT SHOULD ALREADY BE COVERED THROUGH THE MEDICAL NOW TO WHAT DEGREE ON THE, YOU KNOW, HEARING DEVICES.

I DON'T KNOW.

YEAH, RIGHT.

OKAY.

ANY OTHER QUESTIONS ON THE HEALTH INSURANCE? HOPEFULLY IT GIVES YOU A PRETTY GOOD IDEA OF THE PIECES, BUT WE DO HAVE A LOT OF PIECES, BUT THEY'RE ALL THERE FOR A GOOD REASONABLE MANAGING CONTROLLER COST AND YET PROVIDE A REALLY GOOD PACKAGE FOR EMPLOYEES, I THINK.

I THINK WE'VE DONE THAT.

AND THE LAST ITEM OF CONSENT IS, UH, APPROVAL TO PURCHASE A PICKUP TRUCK FOR PLANNING AND CODES.

UH, PRETTY STRAIGHTFORWARD.

UH, I WILL SAY, UH, THAT THE, UH, ESTIMATE WAS 42,000.

THE BUDGET, WELL THE BUDGET, UH, WAS 42,000 FOR THAT.

THE PRICE IS A TOUCH HIGHER, BUT IT IS UNDER THE CURRENT STATE CONTRACT PRICE.

SO IT'S A, IT'S AS GONNA BE AS COMPETITIVE PRICE AS YOU WILL BE ABLE TO GET AT 44,662.

UH, THE QUOTE DOES INCLUDE, UH, CAB STEPS AND A SPRAY IN LINER 1,170.

SO THAT'S A LITTLE BIT, UM, UH, AS PART OF THAT ADDITIONAL, SO PRETTY STRAIGHTFORWARD PURCHASE.

ANY QUESTIONS? ALRIGHT, SO THAT'S THE AGENDA.

SO YEAH, A LOT OF, LOT OF HEALTH STUFF.

THIS, THIS WILL BE APRIL'S STAY BY FIVE MINUTES OF FAME.

.

YEAH.

[00:30:01]

A FEW THINGS.

UH, ONE OF A QUICK ANNOUNCEMENT AND AS WE HAD A SCHEDULING, UH, MIX UP, BUT THE, UH, MAYOR AND I WERE JUST TALKING ABOUT THIS, UM, THE THANKSGIVING LUNCH AT THE SERVICE CENTER, EVERYONE RECEIVED AN INVITATION WAS ACTUALLY YESTERDAY .

AND I HAD, I HAD BEEN CONFUSED.

I HAD IT FOR YESTERDAY.

AND I I, AND WE HAD A PRETTY FULL, UH, A DAY IN THE MORNING AT LEAST DOWN UP IN NASHVILLE WITH THE TRANSPORTATION, UH, REGIONAL TRANSPORTATION AUTHORITY IN THE GREATER NASHVILLE, UH, REGIONAL COUNCIL.

SO THAT WAS GONNA BE A PROBLEM.

AND I'M KEEP THINKING, WOW, WHAT AM I GONNA DO WITH THAT? 'CAUSE THAT'S WHERE I HAD IT.

WELL, THEY HAD ACTUALLY MOVED IT TO TODAY.

UH, UH, UH, OR WELL I TAKE THAT BACK.

THEY WERE, THEY MOVED IT TO YESTERDAY.

I'M, IT WAS TODAY.

THEY HAD MOVED IT TO YESTERDAY.

I HAD IT RIGHT IN THE FIRST PLACE, BUT THEN I WENT BACK AND JUST AN ERROR ON SENDING OUT THAT ACTUAL DATE THAT THE FOLKS AT THE SERVICE CENTER KNEW IT.

SO, YOU KNOW, THEY GOT, THEY GOT THE, GOT THAT , BUT, BUT ON WHAT WENT OUT, I CHECKED IT AND SAID, OH, THE 20TH.

SO I CHANGED IT BACK TO THE 20TH, WHICH IS TODAY, WHICH IT WASN'T.

SO I, I JUST, I'D SAID, DON'T, DON'T WORRY, IT'S, UH, DON'T, DON'T LOSE ANY SLEEP OVER IT.

WE'LL EAT TWICE AS MUCH FOR THE CHRISTMAS BREAKFAST.

LET'S JUST SAVE.

SO WE'LL DO THAT ANYWAY, IN CASE YOU WERE DECIDE IF YOU HADN'T SEEN THAT AND YOU'RE GONNA HEAD OUT THERE, I JUST DIDN'T WANT YOU TO YEAH.

INTIMATE ANY MILLS ORGANIZED BY JAMIE LEE , BUT SHE DID SEND AN EMAIL THIS MORNING.

OH YEAH.

SHE FELT TERRIBLE.

IT WAS TASTY.

.

THERE YOU GO.

THAT'S THERE YOU GO TO GET SOME TO GO.

THAT WOULD'VE BEEN, UM, WE HAVE, UH, WE HAVE A REQUEST.

IT'S, UH, THE, UH, FRIENDS OF OUR BRENTWOOD LIBRARY HAVE, UH, COMMISSIONED A PORTRAIT OF JIM BERG AND I, I'M NEW, I DON'T KNOW JIM AS WELL AS MANY OF YOU.

I DO KNOW THAT HE HAD THE POLAR EXPRESS AND I'VE VOLUNTEERED MANY OTHER WAYS FOR YEARS AND YEARS AND YEARS.

UM, AND SO THE FRIENDS OF THE, OF THE, UH, LIBRARY COMMISSIONED THIS AND, UH, THEN IT, SO IT WENT THROUGH THEM AND TO THE LIBRARY BOARD AND OF COURSE STAFF AND, UH, THEY WOULD LIKE TO HAVE THE PORTRAIT, UH, PUT ON THE WALL.

THEIR REQUEST IS THAT THE FRIENDS GATHERING ROOM, UM, WHICH IS FINE.

UH, WE DON'T HAVE ANY CONCERNS WITH THAT.

UH, ALTHOUGH THAT'S NOT WHERE THE POLAR EXPRESS HAS READ THIS YEAR BECAUSE THEIR TIMING IS, THEY'D LIKE TO HAVE IT UP BY DECEMBER 1ST FOR THE TREE LIGHTING SO PEOPLE CAN SEE IT AND MAKE SENSE WITH THE EVENT.

SO, UH, WE CAN, IF, IF, I GUESS THE QUESTION HERE IS ANY MAJOR CONCERNS ABOUT THAT WE DIDN'T ANTICIPATE, BUT I WANTED TO ASK.

AND THE OTHER THING TO KEEP IN MIND IS, IS THAT THIS DOES TRIGGER KIND OF A THOUGHT THAT WE RECOGNIZE THAT THE LIBRARY, UH, AT SOME POINT AND HAVE TALKED ABOUT IT, WE NEED TO LOOK AT WHAT WOULD BE A POLICY FRAMEWORK.

THAT'S SOMETHING THAT YOU WOULD LOOK AT AND PROVE LATER FOR REQUESTS LIKE THIS.

MM-HMM .

SEEMS LIKE A PRETTY GOOD ONE, BUT YOU DON'T KNOW WHAT YOU'RE GONNA GET IN THE FUTURE, RIGHT? SO WHAT WOULD THAT LOOK LIKE? AND, AND SO FORTH.

AND THEY DO A PRETTY GOOD JOB WHEN THEY REALLY DIG DOWN, AS YOU'VE SEEN RECENTLY, AND REVIEW THEIR POLICIES.

AND SO THEY WILL BE DOING THAT OVER THE NEXT FEW, I GUESS WEEKS, MONTHS IN, IN DOING THAT.

SO, UH, WE THINK THAT'S A REALLY IMPORTANT THING TO DO.

AND THAT WOULD BE SOMETHING THAT WITH THEIR RECOMMENDATION WHEN THEY'RE FINISHED, THEY WOULD COME BACK, YOU GUYS WOULD, WOULD PRESENT IT TO YOU.

LET'S LOOK AT IT, MAKE SURE YOU'RE COMFORTABLE WITH IT.

SO KIND OF RELATES TO THIS THAT'S NOT RELATED AS MUCH DIRECTLY TO THIS PARTICULAR REQUEST, BUT, UH, UH, THOSE ARE SOME, THERE ARE THINGS YOU NEED TO THINK ABOUT WHEN YOU THINK ABOUT THESE THINGS, RIGHT.

AND SO THEY'LL BE DOING THAT.

BUT I JUST, WE JUST WANTED TO BE SURE THERE WASN'T ANY SIGNIFICANT CONCERN ABOUT GOING AHEAD AND, AND PUTTING THAT UP.

THERE'S NOT A PERMANENCY ASPECT TO ANYTHING, SO NOT EVEN RELATED TO THIS, IT'S JUST NOTHING IN LIFE IS PERMANENT.

RIGHT.

UH, BUT IT'S INTENDED TO BE THERE FOR PEOPLE TO SEE AND, UH, TO HONOR HIS CONTRIBUTION.

AND IT, AND YOU CAN TELL ME MORE THAN I KNOW, BUT IT SOUNDS LIKE HE'S A BIG CONTRIBUTOR AND IT SEEMS LIKE A PRETTY COOL THING.

BUT YEAH, I THINK IT'S A GREAT IDEA TO TO, TO COMMEMORATE HIM IN THIS WAY AND, AND YOU KNOW, THE, THE BERGEN FAMILY HAS CERTAINLY BEEN PART OF BRENTWOOD FOR A LONG TIME, YOU KNOW, MULTI-GENERATIONAL.

BUT, UM, BUT I AGREE, LIKE I SAID, WHEN YOU SAY NOTHING IN LIFE IS PERMANENT, YOU KNOW, LOOK AT THE POLICY, YOU KNOW, AS LONG AS THEY KEEP THAT IN MIND.

SO I DON'T WANNA HAVE ANYTHING IN THE POLICY, THE, UH, CONSTRAIN, YOU KNOW, FRIENDS AND OR LIBRARY BOARDS AND OR LIBRARY STAFF IN THE DISTANT FUTURE TO DO SOMETHING THAT WE DECIDED TO, SEEMED LIKE A GOOD IDEA IN THE PAST.

SO, YOU KNOW, SO STICK, STAY AWAY FROM PERMANENT WITH WHATEVER WE'RE DOING, YOU KNOW, AND JUST, BUT GIVE 'EM THE LATITUDE.

JUST SET THE LIBRARY THE WAY THEY LIKE IT.

YEAH.

EVERYBODY GOOD WITH THAT? YEAH.

YOU MAY END UP SEEING, LIKE I SAID, IF IT'S OKAY WITH THE, WITH THE FRIENDS IN THE LIBRARY BOARD FOR THE, FOR THE READING, IT MIGHT BE IN THE ROOM OF THE READING.

I DON'T KNOW THAT THAT'LL BE UP TO LEE TO COORDINATE WITH THEM AND MAYBE COME BACK.

IT DOESN'T REALLY MATTER TO US.

UH, BUT JUST IN CASE YOU MIGHT SEE IT IN ANOTHER ROOM, THAT WOULD BE WHY.

UM, SO, OKAY.

SO I THINK, LEE, IS THAT ALL YOU NEED FOR THAT ITEM? ALRIGHT, VERY GOOD.

WE'LL KNOCK THAT ONE OFF.

UM, WE'VE HAD, YOU HAVE HAD, UM, OVER QUITE A LONG TIME, PROBABLY ONE OF YOUR TOP VOLUME OF COMPLAINTS IS THE PLANES FLYING LOW OVER OUR COMMUNITY, RIGHT? JET PLANES GOING INTO

[00:35:01]

WE HAVE, UH, AS YOU KNOW, JASON PILOTS, WE UNDERSTAND TALK TO TALK WITH THEM, WHICH IS GOOD.

UM, I'M NOT EVEN SURE THAT HE'S NOT IN HIS OFFICE ON THE RADIO OR SOMETHING .

BUT ANYWAY, UM, AND SO WE'VE BEEN LOOKING AT THAT A LITTLE BIT BECAUSE AS WE DIG DEEPER INTO THAT, THERE IS, THERE IS A DISCRETIONARY PIECE IN THERE THAT COULD HELP THAT A LITTLE BIT.

AND SO WITH THAT, I'LL TURN IT OVER TO JAY.

WE CAN COVER, SO I THINK YOU GUYS HAVE BEEN A PARTY TO SOME OF THE COMMUNICATION THAT'S COME THROUGH WITH PEOPLE CONCERNED ABOUT, UH, THE INCREASE, PERCEIVED INCREASE IN THE NUMBER OF AIRCRAFT COMING OVER AND THEN THE ALTITUDES THAT THEY'RE, THEY'RE COMING AT.