General Insurance Committee Meeting 11/5/26

The Calcasieu Parish Police Jury General Insurance Committee met on November 5, 2026, to review 2027 employee health-benefit renewals and contracts. Staff reported that net medical and prescription costs have averaged about 4.4% annual growth, while the stop-loss carrier’s proposed 2027 renewal would increase costs by approximately $923,000 (about 46%) after more than $2.5 million in claims paid to date. The $225,000 per-member stop-loss threshold would remain unchanged. UMR’s contract-authorized administrative fees would rise by $1.21 per person, an estimated $20,000 annual increase (the transcript also references a $1.51 figure, so the per-person amount is unclear).

The committee was asked to approve the updated UMR rates, a 2027 fully insured vision contract with Unum, and updated medical and dental plan documents. Staff recommended returning to Unum from UHC Vision, whose renewal included a 15% increase; Unum offered broader provider access, with monthly employee contributions increasing by $0.75 to $2.50 depending on coverage tier. The plan documents require annual updates reflecting federal changes. The transcript records a motion, second, and approval by voice vote, though it does not clearly identify the motion’s exact wording or any opposition. Other listed insurance policies remain under multiyear contracts and were not up for action.