Broken Arrow City Council
Meeting of: September 16, 2025
Title:
title
Approval of and authorization to execute a renewal with Ameritas to provide network and administrative services for dental claims to be effective January 1, 2026
End
Background:
Effective January 1, 2024, City Council approved a new contract with Ameritas Dental to provide employees with two cost-effective dental options. The Insurance Advisory Committee and Staff (the parties) elected a dual-option alternative from Ameritas which included an option of selecting a high or a low plan dependent upon the needs of the insured.
The high plan offers:
- $25 calendar year per individual deductible
- $2500 maximum benefit per benefit year
- 100% routing cleanings and exams twice per year
- Diagnostic & preventative services paid at 80%
- Basic restorative services paid at 80%
- Major restorative services paid at 80%
- Implants paid at 80%
- Orthodontia services paid at 80%
The parties understand there are alternatives to dental care which are less expensive due to the necessities of oral and orthodontia care. As such, the parties also wanted to provide an alternative low-plan which offers many of the same services as the high-plan with the following differences:
- $1000 maximum benefit per benefit year
- No covered orthodontia services
The parties recommend continuing the current premium contributions for Ameritas Dental, with no changes in plan design.
|
|
City Monthly |
Pay period |
Employee Monthly |
Pay Period |
Retiree Total |
COBRA |
|
Dental Low |
|
EE Only |
$42.07 |
$21.04 |
$0.00 |
$0.00 |
$42.07 |
$42.91 |
|
EE + Spouse |
$73.36 |
$36.68 |
$8.15 |
$4.08 |
$81.51 |
$83.14 |
|
EE + Child(ren) |
$75.22 |
$37.61 |
$8.36 |
$4.18 |
$83.58 |
$85.25 |
|
Family |
$92.88 |
$46.44 |
$10.32 |
$5.16 |
$103.20 |
$105.26 |
|
Dental High |
|
EE Only |
$51.27 |
$25.64 |
$4.26 |
$2.13 |
$55.53 |
$56.64 |
|
FOP Employee |
$51.79 |
$25.90 |
$4.26 |
$2.13 |
$56.05 |
$56.64 |
|
EE + Spouse |
$88.82 |
$44.41 |
$18.58 |
$9.29 |
$107.41 |
$109.55 |
|
EE + Child(ren) |
$97.70 |
$48.85 |
$20.44 |
$10.22 |
$118.14 |
$120.50 |
|
Family |
$118.38 |
$59.19 |
$24.76 |
$12.38 |
$143.14 |
$146.00 |
Cost: $625,477 (expected annual city premiums)
Funding Source: Group Health and Life Operational Budget Fund 661
Requested By: Kelly Cox
Approved By: City Manager’s Office
Attachments: Click here to enter text.
Recommendation:
recommend
Approve and execute necessary documents for a renewal with Ameritas to provide network and administrative services for dental claims to be effective January 1, 2026
end