We often shorten it to employee plus two. Its two or more. Thank you. Are there other Public Comments . Good afternoon commissioners, Richard Rolph man, retirees. I looked at the dental xray and teeth cleaning and preventative. At kaiser you get a free exam every year and what if you used your you have a crown at the beginning of the year and you go over the thousand dollars and you might want to put it off until next year to get your teeth cleaned and you might have or xrays and you might have more serious problems. So i think the commission in delta dental should look at the teeth cleaning and xray as a preventative method included in the rate and not raise the rate because they are preventing future cost down the road unless they want to make more money off us going to the dentist more often. I think they are looking at it the wrongway. I agree we need to survey the ones that are not in the system but maybe ask them a question or two why they are not in, i think i know the answer. B
Cleaning and preventative. At kaiser you get a free exam every year and what if you used your you have a crown at the beginning of the year and you go over the thousand dollars and you might want to put it off until next year to get your teeth cleaned and you might have or xrays and you might have more serious problems. So i think the commission in delta dental should look at the teeth cleaning and xray as a preventative method included in the rate and not raise the rate because they are preventing future cost down the road unless they want to make more money off us going to the dentist more often. I think they are looking at it the wrongway. I agree we need to survey the ones that are not in the system but maybe ask them a question or two why they are not in, i think i know the answer. But it would be good to know why they are no the in the system. Thank you director . I just wanted to in direct response to the last two comments point to slide 26 of the deck which we reviewed at the l
Million includes 13 1 2 million in assets and this as we mentioned before they are reserves and an analysis of stables reserves and contingency reserves that will be done and incorporated into next year. 2. 8 million in favorable claims experiences in blue shields and nor the reported. 2. 4 million in the shared dental plan and a reduction of 1 million estimated medical hmo premium revenues avenue application of the early retirement reassurance program. This is the federal money being used. One of the things that happens is a reduction in the estimated hmo insurance premiums. 700,000 increase to account for the time between the fsa contribution and filing of claims. 800,000 for interest assuming that we have no significant increases in those yearend value including investments. 200,000 reduction for transfers to the general fund. So what does this mean . When you take the 21 million you add it to the 71 million that i was discussing before and you end up with 98. 4 million. When you ne
Does it continue to go up . Director . Employee plus two or more is actually the definition. We often shorten it to employee plus two. Its two or more. Thank you. Are there other Public Comments . Good afternoon commissioners, Richard Rolph man, retirees. I looked at the dental xray and teeth cleaning and preventative. At kaiser you get a free exam every year and what if you used your you have a crown at the beginning of the year and you go over the thousand dollars and you might want to put it off until next year to get your teeth cleaned and you might have or xrays and you might have more serious problems. So i think the commission in delta dental should look at the teeth cleaning and xray as a preventative method included in the rate and not raise the rate because they are preventing future cost down the road unless they want to make more money off us going to the dentist more often. I think they are looking at it the wrongway. I agree we need to survey the ones that are not in the
They get that benefit. They go back down the next year, thats their choice and they get the premium reflecting what they are getting. I dont see it as a complete usage of the system on the users part. Both people are receiving a benefit here. If you go back to the beginning where they talk about the usage and realize no you that only 19 percent of the people are using their thousand dollars, that money is pure profit going back to somebody somewhere along the line or maybe its used to offset the rest of the plan to other people. I dont profess to know all this. And what they figure. But im looking at what this usage is as compared to what people are paying for. So, again i would like to see possibly a tiered system so people have a choice and the three plans that you are looking at, no. 3 is by far the best, but the best bang for your buck is the highest plan. The last question, if you have more than employee plus two, does the rate stay the same or does it continue to go up . Director