By: Tonya Williams, Employee Relations Specialist
School District of Janesville
In January 2012, the Employee Benefits Department designed a survey to explore the opinions of our staff on the District’s current health insurance plan as well as attitudes regarding our current plan.
Our Department received 603 responses, and this is what you told us. When asked what individual annual deductible amount you would be willing to pay under your health plan, 21 percent of you responded that you are willing to pay under $100; 61 percent are willing to pay between $100-$300; 11 percent are willing to pay $301-$500; and 3 percent are willing to pay $501-$750. Four percent surveyed did not specify an amount. For those of you becoming familiar with the “language” surrounding health insurance, a deductible refers to the amount of money that the insured will need to pay before any benefits from the health insurance policy can be used.
It is not uncommon for other school districts and other employers to raise deductibles in order to contain the costs of premiums for the health insurance plan. In fact, a common trend with area school districts is where they offer two or three plans with different deductibles for staff to choose from as well as different coverage levels. A staff member can choose a plan that fits his or her family’s healthcare needs. The ability to choose will be especially important to members as they pay a higher premium share for their health costs.
As Districts look at viable options to save money in healthcare, the common trend is increasing the deductible. A higher deductible results in a lower premium, which can be a win-win for the employee and the employer.
The Employee Benefits Department extends its gratitude to our staff who responded to the January 2012 Benefits Survey. Your feedback is helping the District to a great extent as our healthcare plan is reviewed!