001what we have is a short bulleted list of some things that we believe are salient concerns most of which are related to the Ovid 19 experience that we're all having to deal with essentially we're going to be covering the timeframe of these concerns the on board comparison with regarding to re-enrollment and health and drug coverage and some other finer points that we're gonna read off back and forth dr. stewart and hi okay [Music] and and Doug are you okay with that we just proceed even though we had some formal things part of the meeting but just get on with the business yes okay sure are you okay with that I'm fine with that thank you okay thank you so essentially we're concerned specifically about a lot of the information that has to be provided to
002the Arizona State Retirement System by May 15th and the two eCos an enrollment that's required by law the timetable on this is very tight Alan and I have spoken a little bit about the logistics and the open enrollment requirements and the bringing of all of the employees to handle this I think I'm jumping ahead a little bit but I just wanted you guys to be aware of the fact that we are extremely concerned about this very tight timeline and the deadlines to the retirement system and for the open enrollment period that's required by law and we're also concerned relative to that timeframe that under that two-week open enrollment thing in between now may 15 there really would not be time for our employees who want to shop for work for family insurance in case they
003would not want to purchase the insurance from our provider that they wouldn't be able to have the time to do that simply because they can't get out and about and do this so that's a concern a relative to what Todd was just talking about and this is this is not a blot or a blemish on Kairos at all so please don't take it this way but the coab in situation is just throwing a month should everything that we're doing instead when you're not just doing a roll up we're doing an onboarding it's pretty important that there be peace conversations or very small group conversation and Kairos was going to come do that with our folks I understanding I was a team of people you know we could get have either individuals or small group and
004we understand why cut we understand why nobody wants to do we really know that then that boil having that would take days and that would run us way in too close to that timeline of May 15th so we're really concerned not being asked for our TV option for the other 400 some of whom if we were on board to a new program would literally the entire thing step by step and I'm not John know our folks and know the ones who even need their hands never mark in addition to that we were some concerns from our employees regarding the inability to actually see doctors during this timeframe calling a open enrollment shopping around family members looking for specialists and doctors are in heat on now except for in addition you know we carriers at this
005point in time the concern has to do with prior authorization for meds if I want to get something when I have to go out and and and get and we've had some concerns I'm meeting with new doctor difficult situation right now to go in and all the paperwork I just went to the deck still suffering from some pain but the trained it took me two months to do this I'm shifting over now may be difficult for me to agree must be the same thing stood back mr flora can everybody mute her mic because I'm only wearing like every other word you guys are saying ladies and gentlemen can you all mute your microphones getting some feedback oh no we don't want to meet us sorry can you hear us better now okay so repeating we're
006talking about some of the challenges and interruptions to the processes that we know have to take place within the next week next week is May first two weeks later is May 15th and with doctors and open enrollment periods being challenged by our ability to move through these processes along with processing 450 employees with two of our benefits managers it's it just it you know we're summarizing essentially the concerns that we believe would impede a smooth transition and again you know Sarah we want to thank you for the work you've done but our recommendation here today is that due to the coronavirus and the challenges that it's presenting to us at this point in time both dr. Stewart and I recommend that we ask the trustees to consider staying put with our current health care provider
007and programs and in a better climate and in a better future scenario then go back to the drawing board and take a look at pricing and future opportunities for our employees and please keep in mind that we're real cognizant of the fact that this is nobody's fault and nobody planned it and you know these are circumstances that ended up kind of out of our control and time slipped away from us you all know that essentially March and April have kind of disappeared from all of us so that's kind of where we are with it so if you have questions we'll try to answer them would because last month the board of trustees voted to go with Kairos and so it would take a motion in a vote to to return to where we have them
008information and timelines we recommend we stay with our program at least for the current year and get an earlier start oh yeah you can usually have your discussion after your first and second if there's a saying this is a discussion so sherry and Laurie we have a motion on the table by Doug to remain with our current provider that's a motion on the floor somebody can second for the purposes of discussion what happened Laurie Laurie are you with us sherry are we muted no we're not new Laurie are you there we don't hear you we see you but we don't hear you she's kind of hidden well she's behind us over there if she says something and comes on she'll come up there where Cherie are you did you hear that we have a motion
009on the floor from Doug yes I heard it I will not that's alright Laurie did you hear oh sure you could you could second for the purposes of discussion and then you could withdraw your second later if you don't want to keep it okay so Laurie keeps coming in and out she seems to be here but we don't hear from her I'm gonna text her which means we don't have a quorum Laurie's back ah she keeps coming in and out I've asked if she has called me on my phone Laurie are you there she's out again she still longer she just needs to unmute and thus are the challenges of having an open meeting in digital space I texted Laurie a couple of times to try to bring her in technically right now she's calling
010me Laurie are you there that's fine so right now we've returned to having a quorum Laurie Crampton is on the phone with me we have sherry and Doug Doug let's put a motion on the floor to remain with our current health care provider and to Laurie second stat now the floor is open for discussion can I ask a question um Kairos was gonna do an end-to-end audit for us to see why our rates were going as high as they were going and it's the same audit that was mentioned with the other insurance company would that still be taking place if we maintained with as bait or would we just keep going I think that part of the thing key is that the audit is not just about the rates but it's also about the structure
011of the trust document and the structure of the trust but beyond that we would let Tara answer that Tara not so much well both what what exactly is entailed in the audit and then and then we could talk about separately about and asked chuck about an end to end so Tara can you respond to the question about what the audit entails sure hi Kate so we've been we started to go through the documents that we've been given and any of the contracts and anything of that nature we've started going through that we started going through any of the financials that we've gotten ahold of unfortunately we haven't received everything that we're gonna need in order to do that but we have started putting together some of the recommendations based on just the overall organization but
012we would we wouldn't be able to complete that or to finish any of that until we receive all of the paperwork unfortunately it's a little bit scattered right now and we're I know that the administration's doing their best to try to pull some of that stuff together because of dates back but it will it'll take a while regardless to do that and inaud it but yeah so we have started that we just we haven't received all the paperwork so that's what we're at right so if they were to go back and just like stay with as bait right now because of the status of everything with this Cove in nineteen and everything like that would that affect Kairos releasing that information to us or would there be a fee that we would then be responsible
013to pay Kairos for finishing that work before you know we will do guys we have no problem giving we don't have I mean we haven't done much on that yeah I mean we haven't done an extensive amount of work as of now because we still gathering paperwork so we have no problem really saying what we have done by any means to the group and I mean I can't speak on behalf of as bait whether that that they would take that over or not some things that sounded like Kairos would do this and they would be covered by prepaid legal it probably would have been and we probably could still roll that over and we've worked that out with them Chuck is there do you all do that same kind of service you know what Carolyn
014we don't that would be back through the growth of the brokerage so Caroline I have Gregg tightness and Frank waters on my husband's cellphone they can't get into them okay we'd love to have them in the meeting yeah they can't get in they're trying to do it by phone and it just sits and spins and it says waiting to be invited oh that's because they got up they use the number from the invite so if you use the if I can read you off the number that they should be reading the other code no life size Cherie they have yes it's two different codes to put in there's two codes to put in read that email heart yeah we're not going to have it I have a turn yeah mute your mic before you give
015it to them on your phone cherry okay go to you your computer sure you're out on the YouTube and we can't let that pass wear it out so mute you're okay I'm I'm muting I'm going to give them the information okay you've got some good points there why you've seconded to the motion would you hold on to those until we can see if when you get sherry back and and Greg and first waters back on because that way we would have a full board and they can all hear the concerns please can everybody hold on for just one second because we only technically don't have a quorum at this moment until sherry comes back in right and that's why you Lori we want you to repeat what you said you and Doug are with us
016Sherry's on a temporary hold so we need her to hear your comments and you too Ronnie we are live on YouTube we are live on YouTube and everyone else can hear you so just reminding you a comment about dancing on the phone we're sitting here chuckling about two phones talking to each other right we have two phones talking to each other we have to digital commands and sherry are you back with us unmute and say yes I am i was getting instructions you are awesome we waited we put it on hold because when you check out we've checked if we don't have a quorum so now that you're back and doug is on the line and Laurie's on the line we have our Laurie has a comment that she wants to [Music] okay Laurie thank
017you for that that is a critical issue relative to the financial health of individuals as well as their own physical health and Chuck did you hear that I do hear that thank you and I do appreciate it and we absolutely will work harder on that okay and then Ronnie you're next go ahead Ronnie you wanted to speak Ronnie I just want to die Canyon yeah we can hear you hear me now okay I just wanted to reiterate that the family plan on this is going to jump drastically and I've had people very concerned over that were just hit the switch all right Terry can you mute your microphone can you mute your microphone so because we're picking up background noise when you came on thank you for your input Ronnie mister flora and dr. Stewart
018this is Kate Ms Brown and I have been working on trying to figure out a way to find some insurance that or a supplemental plan that our employees can look into to cover spouses and their children and we got in touch with James from national life and he had a contact that he put us in touch with who has sent information to me on like so elemental insurance for families so I can work all to you and what he has given me so far so that if that's something that you guys want to roll out to like employees as an option for family coverage for just like the spouse and the children then we can look into that as well for you know giving that out to the employee okay thank you muted we hear
019your cell phone ringing and there's a lot of movement and noise coming from you [Music] who else joined us you joined us yes yes [Music] Kelly yes Kelly hi we have a motion and a second on the floor to remain with as be for our current health care provider and we are now in discussion and each individuals or you know the opportunity to chime in we've heard from a few of our members and our trustees and at this point we've heard from both of our providers that are in the discussion of Kairos and as made as well anything you'd like to add I [Music] so with Kairos they can't enroll using like zoom or something we we can't we've actually had a lot of success with the zoom meetings were at we had more participation
020for example we have Chandler School District in the valley and typically there's 20 to 30 people per meeting that show up and we have 200 people showing up on those zoom meetings because it's just a lot more convenient for them so we've been doing the face to face with zoom meetings with the employees and we've had a lot of success with that and then there's recorded webinars as well so that they can get back in if that timing doesn't work for them Tara Tara is that onboarding them and from a previous program or is that just reeling because they were in your pool before no no absolutely not so with all of our new groups we are we're getting on and explaining the differences between their plans and going through all of that but it's
021it's from the start we know that they're the new groups and that it's not just rolling over the plans by any means good question Greg that's one that we had been asking about we have John here in the room and we have Michelle I think Michelle's still on the phone Michelle Rhee's still with us well yes I am and I'm sorry the problems came in when we have people who are not necessarily technologically savvy they do need a lot of hand-holding even with plans that they've had for years and we are just under such a time crunch that I see it being a problem and then additional so I guess some of the plant just the plan I understand the family cost and I don't I want to make sure that I'm sympathizing and it's
022I mean I understand that the family cost is jumping and if there are alternatives I completely understand the May 15th I've never seen the AAS or the state statute that says about the May 15th but regardless if you guys were to send that form over we can fill that out for you it's just making or just filling out the rates for each of the plans and tiers so I hope that that May 15th and that two-week window I've never seen that state zapcic but we can we can easily make that piece work and I don't want that to be something that's scary because we can take that on in-house for you guys but the big thing for the chief in the plan changes I mean we're low I understand the deductible reset to and it
023would be 12 months so they would get six months on the back but it is a $250 less you know our deductible is $250 less our coinsurance is 80% coverage and right now they're only getting 75 percent coverage the out-of-network deductibles are fifteen hundred and five thousand under Kyros and forty five hundred and fifteen thousand through the Aetna and the ass beat and I know that out of network issues are bigger out there than really anywhere else in the state just due to the location but maximum out of pockets or a thousand dollars less under Pyro's two thousand dollars less for families we have the zero dollar teleMed for all of the plans now because of the köppen 19 and so I just want to make sure that even though I understand that change is
024scary and I really do sympathize with that piece of it but just in the network the difference in the network and the plan design changes are and then are an enhancement and so if there is you know if we need to get on the phone and walk and please through that we have no problem doing that I I just I know that there's the fear there but I don't want the fear to outweigh the the reality of the better coverage it's better Network if that you know if if that's something that we need to do yeah and Terry that's you know we I think all of the board members who were present and listening and reading all the data from last month you know it really the issues really are not so much are not
025so much the differences in the plans relative to what Todd and I are proposing it just boils down to this time thing of getting it done and the fact that John and Michelle know our employees even in a rollover 20% of our employees need to be walked through we can look we can carry our we can walk through that via foot we have we have an entire team that can walk through and do paper forms for them so if that something that if there are D calling in and having trouble with the rollover we have no problem walking them through the phone that's what our entire customer service team and our member service team is there to support I mean we have groups that are ten times or five times your size more than that
026joint or that are coming in and that we've all boarded and later than now and I understand that this situation is different but we still have other groups that are continuing to join and it's the same time period so I just I I recognize that but I think that with the amount of the amount of support that we can provide I I'm just I don't know if frustrated is right word but I just am I wish that we could show you because we've had or I wish that you guys could call on different groups to see how their onboarding experience has been because we have I mean we've invested a significant amount in the employee educational piece of it but then also just the support behind the scenes so Tara I think the other side
027of it is going out to get appointments with doctors and trying to deal with the true open enrollment and the period of opportunity to shop is not there in this climate it's hard to go out and find specialists and get appointments and deal with your prescription and rollover of prescriptions and then as Laurie had mentioned the financial aspect the six months at the back end really doesn't do them much good up front now relative to their financial conditions so it's a little bit more than just the you know the completing of the paperwork and then as michelle had mentioned and I'm just reiterating so I apologize but everybody to rehear the concerns relative to our lack of fab' individuals that would be able to understand and zoom in we have 450 total employees we would
028not be seeing zooms of 30 30 30 30 30 without in the timeframe of making all this happen within the next few days is an arduous task for two individuals that are already swamped with a bunch of work which is why we put these recommendations with this for consideration trust deeds it's everything that's Tara's saying it's everything that Michelle and Ronny and Lorie and all of us have been saying and we just want everyone to hear and consider all the facts are there concerns or buts that people want to provide into this discussion Tara this is sherry district I have a question for you yes these employees are already covered by a doctor here in Bullhead City mm-hmm on the Etna plan aren't the odds pretty good it's just gonna be a new insurance card
029because they're gonna be already under the blue plan immediately right and they're not going to be changing doc all they have to do is get their new insurance card what is correct thank you I thought part of the thing was we're going to Blue Cross so we had a more robust Network correct and the other thing on the pre-authorization for the pharmacy is if we can get a pre authorization list from your current PBM and we will have and we've talked we've had this before but we will have our PBM our current PBM take that in and abide by that because of the circumstances now so that I know that you guys just changed PPM's like mid-year I think just a couple of weeks ago I'm so we can take that free office for those
030people so that it's not a hiccup for your for your groups but well we'll definitely take care of that piece Greg you are correct what and one of the benefits that you all discussed and that all of the group that comes regularly talked about was the seem to be a preference for Blue Cross Blue Shield blue shield so that's one of the reasons and that's not the reason but the thing is we're focusing on this time issue and not so much on the real issues that we should be considering and should have already considered which is the coverage and those things it's a concern about this time frame and you all know that this kind of theory has already said she can deal with that why are we not letting her do this I don't
031get it okay and that's why you're having a meeting as a group to tell us how you want to proceed my Michelle and my concern is when we have talked with the representative I'm not getting that same kind of feeling from them I mean they the person that we were training with specifically said due to the coab in nineteen they would not be able to help us in the way that they normally would that set off alarms for me we have people who are j1 teachers that need to go you know and they often leave the day after school and this is just such a huge time crunch for them to make all of their decisions - and get everything in order and and back in time if this is it's all a timing and
032everything that has to go - with the board and then go to the next thing we're just we should have had this done a month ago we're just so out of time and I'm not very confident when I meet with them and I'm getting something different when I'm meeting with other people so that that has me very leery of it being able to be accomplished Michelle Gabriel is also on the phone and I mean between the support is that it's not in person but if your employees want to call in we can go through and walkthrough on the on the paper forms Jen Gabriel is our Senior Account Manager Jen are you on can you speak to that I can't and hi Michelle and I'm sorry that wasn't the understanding that you took away from
033our meeting and Tara's right we can have as many webinars as you need or one-on-one conversations with staff with your staff because we do understand this is a challenging time and changing insurances is always painful to begin with we're here to help with all of that we just can't at this point in time come and meet with them in person but we're willing and open to have as many meetings as we need you to help them through and we have the whole month of May I know you guys are concerned about getting everything into a SRS but we have the month of May to get folks in to make their plan decisions and so forth does that help at all I really don't think that the timing will work I'm just being as honest as
034I can with the rollover of people leaving and coming in and again I do have the people as contact as being about you know even in my own and it's trying to get a refill on a Med and my doctor does not want me coming into the office because I have a spine allergies and I'm coffee and he does not want to see me those aren't things then when we change insurance we've got to go end do things so I don't want anyone being in a bad condition just because of the timing sharing district I wouldn't I I only know two employees that are on and that's dance tickling hate halt you employees we are trying to do the best for you it's a little more work so be it but it how do you
035feel in which way you would you prefer what are your thoughts I would prefer Linda Krause I was that wasn't a yeah I were going to Kairos yeah you know in talking about the prescription thing I just had to handle that two weeks ago because we just change and my doctors had no problem we didn't meet we're on the phone we got it done taken care of I don't think that's a problem and it was pretty simple I think the eighty percent is better than the seventy-five I think the 750 deductible is better than the thousand the out-of-pocket expense is better the doctor list is better I think it's a natural change even if the I don't care if the cost of Cairo was more I think Cairo would be a better policy I understand
036the circumstances that they have to change but right now we all have to be tech savvy to teach and we're online we're doing it with our kids I don't see where the problem I see the problem with the bus driver office nap shouldn't have a problem but that I don't see many problems with the teachers yeah I mean my daughter loves teaching online right now I mean I thought all you guys were too many our Kelly here turn and I just wanted to state that I would like to live to kairos also it just seems like a much better plan and it's more available availability for the doctors or for the people that work for us that have more doctors to choose from versus having to go far away to go see somebody that's covered
037in the network Thank You Jerry do you wanna say anything that's okay um Kairos I feel that our doctors probably already take Blue Cross Blue Shield's so I don't know how much it would be and changing Kairos okay thank you Christina you're on did you want to say something yeah I'm like an ID I'm going to Kairos and makes more sense okay Richard Hanna you're on do you want to say something hey guys it's rich i'm here i'm your dell rep I don't think I should have an opinion and if I'd seen your face I would have recognized that so thank you she thinks you're one of my ways James James you're an employee but you're running our YouTube do you have anything you want to contribute [Laughter] thank you juliawesome doing good just a
038second Greg I was trying to hit all these good I'm sorry Julie you're on did you want to contribute anything Julie Alison I guess not Ronnie you're up wait a minute okay Julie's on now Julie go ahead no I was having some technical difficulty I know I'm from what I'm gathering if we proceed forward with our new provider I think things will still move smoothly okay okay Ronnie just for my experience when I was working in human resources this before so hey Ronnie I am just trying to be an advocate for the folks that are can't you hear me yes yes can you hear me yes I'm just being an advocate I don't have I don't pay a family plan but I know it's going to be very hurtful to change for the folks that
039we do have to pay for a family if we don't find an alternative and how quick are we going to be able to find an alternative for the people with a family and the the deductible is starting over it's going to be a hardship on people maybe not a large group but it's going to affect some of our employees so one of the things that you know we can look at and again this is gonna be a district in a decision from you guys but what we can look at is lowering down the family rate but in doing so that makes the employee only rate go up so what we really look to do especially on the initial rates that we're putting out there is we want to make sure that going out there the
040original rates every plan for across the board and then every tier is paying for itself so if that's the cost of the family that's how we rate it now some groups we do have groups that say hey we have a ton of families or we have a lot of feet you know we have families that again like you guys are saying or a tough time paying for that can we lower down those family rates but the employee only rates then go up a bit the other option is to look at a plan that has a higher deductible and I know that that's not that's like seems like the cop-out or the easy way out so we can look at both options I just want to make I don't want to sound like a cop-out by
041saying the higher deductible one but we can look at you know restructuring some of those tiers just know that that means either it's gonna be a higher cost for the district or a higher cost for a majority of the employees which would be employee only and the employee only tier and I can I ask how many employees actually take advantage of the of the family plans if you give me a well if anybody else I'm saying currently right now like Michelle and John how many of our employees how many of our teachers actually are signed up for family plans because if it's just a few then what miss brown and I have found could be a great alternative for them I have that yeah jim says he he's using his memory says 10 to 15
042in our district Michelle do you know from high school it's probably got to run about the same my other question was timing wise because during those meetings they were really pushing us using their dental and vision where that was going to be more expensive if we don't use theirs are we still going to be able to get this all put together and out in time or do we have to switch over to there oh yeah you guys can you you guys can keep everything the exact same you did you did vote to leave those alone Richard Richard this is your turn did is that going to create a project shouldn't will create a problem but is it going to create a problem for you this late yeah thank you madam chair no I mean it's
043a plan you've had in force if we don't make any changes you know we're here to support communication and we understand the times again counting Tara mentioned Weatherby webinar or tele-dentistry again just here is administrator really to support you all and how best to communicate with your employees so so timing is not a perceivable issue for us okay Greg you we kind of put you aside until this and all the teachers did you have something else well what's the overall difference bottom line to the district between the two plans annual basis roughly how many thousand dollars if we stay with the current vision and dental and relative to the district stuff it's pretty much a wash between the two it's it's pretty much you know remember those numbers we had at the time that the
044difference in the individual employee cost was only like five or six dollars it wasn't very much you know there are some other things some of those add-ons that that might make a difference relative to life insurance and some of those other things but if we stay with vision and dental and that kind of thing it stays it's about the same nothing has really changed from the information that you all were making your decisions on last month the only issue that we had that we were concerned about that we really felt that we needed to bring back to the Board of Trustees is the time issue and considering that and we were particularly concerned when Michelle and John were reporting to us that that messages they were getting sorry Jana this is not accurate but messages
045they felt they were getting from you all were different than the messages that we had gotten from Tara so we didn't feel like we could proceed that we could go ahead and proceed without bringing it back to the board we weren't wanting to err on the side of being overly cautious as opposed to just going ahead and then the board's ironing later that maybe some of those fears to Lori we can talk through and a lot of I mean a lot of the employees have questions and you know Kate and like a lot of employees on the call have been through a lot of these discussions and meetings all throughout so they've had more and so those are some of the things that we're working through on the phones and through the webinar questions are
046in the zoom questions with the employees and walking them through that or if there are employees that have special circumstances with medications then we have our own call line at Blue Cross Blue Shield Kyra like it's a Kairos specific for just Kairos members that they can call in to get that transition of care and so we will there be any gaps should there be any delays in the open enrollment and that transition period would there be any worry of gap no absolutely not so they would have coverage you know July or at midnight you know after June well my do on the front end and I definitely want to make sure that I acknowledge that I understand that it's there is work on the front end that has to be done but we take I
047mean as much as we can possibly do we take in-house for our groups we I mean there are some things that we have to get obviously from the district and you know that's the part that's on the HR and we need that from payroll and everything but we are there every step of the way we can help you know and we just see that communication right so if we knew that the ASRs was a concern for you guys just communicate that piece because we can do I mean we have no problem if you want to send that form in we can we can do it and send it back in and you guys could just submit it so we just need that open communication to know you know what those concerns are so that we
048can address those because I think that there are a lot of fears that you guys have listed out that we could have you know taken on and made that you guys feel better had we just had that conversation Greg you wanted to say something I'm still leaning just going with Kairos okay I forgot that we had two other employees here in the room in person and they're not folks who are the meetings like you all are but they want to contribute to this so we have Gina covert our director of CTE at the high school so I'm sure Claire is a significant difference if we roll from as bait to Kairos in the life insurance policy and then also in family situations for pre-existing conditions and being one of those employees that has that situation
049I'm not real pleased with the idea that my life insurance policy's going down with this role and then I would have to purchase supplemental life insurance and then with that supplemental life insurance I would have to re-qualify for that supplemental life insurance I have a family member that I have to be able to take care of two years salary wouldn't take care of him and with this new plan I don't even get two years of my salary I get less than that pre-existing conditions having to qualify again under an insurance policy with a pre-existing condition I think that that's a significant issue because then you roll from one you know doctor or one insurance plan and you've got a pre-existing condition that's not going to be qualified and way I'm reading it that's the same
050so you can keep your life insurance with where it where it is today so that's not something that you have to come with Kairos I don't think so not when you're buying from a group plan well I'm telling ya it's that's how it works so if you guys want to keep your life insurance separate and you guys want to get you numb if you guys want to keep your supplemental life insurance with where you have it today you can keep that supplemental life insurance where it that is today and then what about the employee if it's less if what you're offering is less than what our salary is so that wouldn't that wouldn't fall under Kairos so that Kairos would just be for your medical provider like your life insurance policy for an employee is
051say $50,000 if I remember correctly and so if you have employees that have been here for longer than that they're not getting their salary times twice which is what we get now okay but so Tara what you're saying is that the life insurance piece is an add-on for Kairos so we could stay with hounam if we needed you that is correct what just a standard employee so even just for this just for the employees even for the employees never mind family we have it we have we have several groups that just have medical with Kairos eventually just because of the administrative piece they typically start to move one them in just so that we can help in service those but if you if you know it's the five six $5,000 base but you don't have
052to have that okay so so now here's and I'm gonna try to figure out how to ask this question correctly so bear with me yeah no problem okay we're rolling from as bait to Kairos and typically we have this group plan that is nice and clean and now we're looking at rolling from one program to this new program with this buffet of options what does that do to us as a group you know boom boom boom you know and then next year when it comes time to renew they don't have a buffet if they if the district just says we only want to offer this then we only offer that so if they say we're gonna have our we have our Kairos and we have our life insurance unum and emeritus for their dental and
053somebody else would that's fine I mean that's not a buffet in the in the eyes of the employees they only see those options there so at this point we've heard from a lot of employees we've heard from everyone how does the Board of Trustees feel about where we stand we have a motion on the floor and a second - does anyone want to discuss that further or we revote I didn't I didn't hear the motion when it was on before I got here oh I admitted to you when you arrived it was a motion by Doug Lutz to maintain our current provider and Laurie Crampton seconded that motion and then we went and then we went into discussion and we've been discussing it for a while now we just wanted to see where the trustees
054are with the information you've heard from Tara from our employees and the concerns we have a withdrawal of Laurie's second we should bring this back to a vote then do we have motion or it dies and it just stays where it is what was last month that's true okay so your options are we motion for a new motion or we let it die if it dies last month you already voted to go with Kairos and maintain our current dental and current Vision Plan life and life insurance with Lumina and that would be at where we stand the trustees is that something we can put together Tara quickly we can't do that legally at this point because we're not giving any other vendors an opportunity to do the same thing so what we'd have to do
055Laurie is we'd have to look at that for next year okay we'd have to start over if we were going to do that or at least offer as mate the opportunity to return with similar a similar opportunity so okay you know the plan you the things you voted on are the ones that we need to go with now or to stay with what we have based on how you vote as a board or don't vote if you want to just leave it alone well we can still look at if we're keeping them as our own as you know the trust and whatever the information for instance that Kate says that she and Sandra have come up with could certainly be thrown in the mix at some point to come back to you all but that
056would you know there's no reason this this trust couldn't decide later to offer more than one of life insurance program if it chose to but for right now you leaving things the way they are not changing a vote today would leave us with Kairos unum vision direct and emeritus for dental so you know so that's up to you as a as a board of trustees stay or motion for a change can I ask one more quick question sure Ronnie has a quick question go ahead aye aye Gina brought up their pre-existing and I never really heard an answer on that that could also affect a lot of people I'm just curious how that is with Kairos on the pre-existing disability Ronnie was in relation to the life and we have the option to stay with
057unum for the life so there's no a pre-existing conditions to worry about got it thank you yeah no problem so sherry Greg Doug Laurie stay or motion cam Laurie says stay with will you voted on last month I say stay so we have a second sherry second and Greg we're just saying we're gone with last month here your motion dies for lack of a second I think considerations concerns and okay and that's good for the record thank you okay so we had sherry and Greg and Lori and we never did get Frank on did we okay any other questions or things that we need to talk about all right well thanks Tara it's gonna be up to you to really get these people through we're trusting you trust me when I tell you that it's
058like I'm gonna be on this like no other so um just know that I'll be on it personally and you ever really you guys have a really good team behind you I mean really good I only know enough to get dangerous and they have all of the ins and outs and they can help out but if there are any concerns ever you guys I mean Carolyn and Todd know they can reach me anytime anybody any of you guys can reach out and at any point you know to ask questions or to you know have your concerns hurt so okay thank you great thank you all for your input thank you all for coming today and spending with us and we're going to clear this matter up okay thank you job thank you everyone we have
059a motion to adjourn move we need a second second