What is CEBCO and why was it created?
CEBCO stands for the County Employee Benefit Consortium of Ohio and was formed by the County Commissioners Association of Ohio (CCAO) in response to concerns that were expressed about the cost of health insurance being borne by Ohio counties for their employees. CEBCO is a group purchasing consortium available to county governments in Ohio.
What is the structure of CEBCO?
What programs will be provided by CEBCO and who are the selected vendors?
- Anthem Blue Cross and Blue Shield – Medical and Prescription Drug
- Delta Dental – Dental
- VSP- Vision
- ComPsych – EAP
- Anthem Life – Life Insurance
How broad is the network of physicians and hospitals?
What is the length of time required for participation in the consortium program?
What are the advantages to the counties to participate in the CEBCO consortium program?
How will a county’s own claims experience vs. the experience of other counties affect the group rates? Will there be renewal rate guarantees?
CEBCO cannot provide guaranteed renewal rate increases. The intention of the program is to help achieve rate stability from year to year. The consortium cannot totally eradicate the effects that medical trend has on the rating process.
What are the benefit plan designs and what level of flexibility exists concerning plan benefits?
The purpose of the standard plan designs is to provide administrative efficiencies resulting in lower costs. The standard plan designs were selected based on the most common plan designs provided by the counties during a survey process. There may be certain instances where a county may need to customize a benefit plan for a particular reason (i.e., to satisfy a collective bargaining agreement) in which case we will work with the county and the vendor to address these non-standard plan features.