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.
What funding approach will be used for the consortium program?
Can I continue working with my local broker/agent/consultant for the consortium program and how will they be compensated?
Who is the actuary who will be involved in validating the reserve requirements required under ORC Section 9.833? Is he/she a member of the American Academy of Actuaries?
Why is the consortium self-funded rather than fully-insured?
Our county has a stand alone Rx program. Who can help us compare our current pricing/rebate structure to that of the consortium to determine if there is savings for us if we participate?
What is the appeals process if one of the vendors makes a claim decision with which we do not agree?
What effort will be made to strengthen the network in my area?
For counties that border other states, what networks can be accessed for those areas?
- Anthem www.anthem.com
- Delta Dental www.deltadentaloh.com
- VSP www.vsp.com