(A) Establishment of employee benefit plan.
(1) There is established a medical high-deductible health plan to be known as The Town of Brownsburg High-Deductible Health Plan (the “Plan”) for ELIGIBLE RECIPIENTS, hereby defined as all full-time and eligible retirees of the Town.
(2) Additionally, there is to be complimentary added to this Plan a dental and vision plan. The Town will also provide a workers’ compensation program (the “Program”).
(`92 Code, § 2-250)
(B) Establishment of Self-Insurance Fund . There is established a separate fund, to be used for the purposes herein specified, and to be known as the Town of Brownsburg Self-Insurance Fund (the “Fund”).
(`92 Code, § 2-251)
(C) Plan funding. The Plan shall be funded and paid for by the appropriations heretofore and hereafter made by the Town Council for payment of the costs of providing medical, dental, vision, and workers’ compensation coverage for eligible recipients and by any eligible recipients’ contributions to the Plan. Fiscal appropriations shall, for that purpose be transferred to the Fund or made directly to the Fund as necessary. (`92 Code, § 2-252)
(D) Payment of insurance premiums and costs of administration. The Clerk-Treasurer is authorized to pay medical, dental, vision, and workers’ compensation insurance premiums, claims, and other costs and expenses incurred by the Town in connection with the Plan and Program, including but not limited to, costs of administration, audit, and first-year startup. (`92 Code, § 2-253)
(E) Self-insurance.
(1) The Town shall self-insure each eligible and covered full-time Town employee and such employee’s eligible dependents for the first one hundred thousand dollars ($100,000) of medical claims with respect to each such employee and such employee’s dependents, subject, however, to applicable deductibles. The Plan aggregate stop loss premium shall provide coverage above the specific stop loss limit of one hundred thousand dollars ($100,000).
(2) The Town will operate a health clinic at a designated site with an approved health care provider for treatment of minor medical issues for the convenience of employees and their dependents.
(3) There is also added to the Health Insurance Plan an option for employees to carry a high-deductible Health Savings Account (HSA). Any single employee taking advantage of this option shall be paid a one-time amount of up to six hundred dollars ($600), and employees with dependents shall be paid a one-time amount of up to two thousand dollars ($2,000), in January of each year towards funding the savings account. HSA funding for employees hired after January 1, 2010 shall be prorated daily from the date of eligibility for insurance. This HSA contribution is contingent upon employee HSA eligibility as set forth by the IRS and annual budget approval.
(4) Additionally, the Town shall self-insure a dental and vision plan for all eligible recipients, eligible retirees, including eligible dependents.
(`92 Code, § 2-254)
(F) Payment of claims. The Clerk-Treasurer is authorized to pay all qualified and bona fide Plan and Program claims made with respect to each covered eligible recipient or dependent, subject to the limitations of division (D) and division (G) of this section, and the Clerk-Treasurer is further authorized to delegate this responsibility to one (1) or more administrators of the Plan.
(`92 Code, § 2-255)
(G) Deposits for payment of claims. The Clerk-Treasurer is authorized to draw upon the Fund and to deposit for payment of claims, either in reasonable anticipation thereof or as actually accrued, any funds as shall be necessary from time to time to meet or provide for the Town’s obligations under the Plan or Program. Further, the Clerk-Treasurer may open in the name of the Town one (1) or more accounts at financial institutions for the purpose of implementing the provisions of division (F) of this section, including accounts by which funds from autonomous Town councils or agencies may be aggregated and withdrawn for the purposes herein provided. All eligible recipient contributions received with respect to the Plan shall also be deposited into the Fund.
(`92 Code, § 2-256)
(H) Plan eligibility, benefits, exclusions, deductions, and the like.
(1) The Plan covers eligible recipients of the Town, subject to certain exclusions as outlined in the Plan document. Plan eligibility, benefits, exclusions, and other provisions relevant to the Plan are set forth in the “Summary of Benefits and Coverage”, the provisions and conditions of which are incorporated herein and made a part of this section by reference, with copies thereof being open for public inspection during regular business hours in the Clerk-Treasurer’s office.
(`92 Code, § 2-257)
(2) The comprehensive insurance plan provided by the Town to its full-time employees, shall also be made available to all elected officials of the Town.
(a) Each elected official choosing to participate in the plan shall pay one hundred percent (100%) of the total premium and total risk fund contribution. Should an elected official work full time, as defined in the employee handbook, that elected official shall contribute the same premium amount as a full-time town employee.
(b) Any elected official that wishes to be treated as working full time shall be required to document the hours worked in the same manner as all exempt employees document their time.
(c) The comprehensive self-insured health plan of the Town is amended as necessary to provide for inclusion as eligible insured thereunder, all elected officials of the Town and any eligible dependents and spouses of these individuals.
(Ord. 90-5, passed 3-22-90; Am. Ord. 94-22, passed 7-28-94; Am. Ord. 99-04, passed 4-22-99; Am. Ord. 2004-07, passed 3-11-04; Am. Ord. 2007-36, passed 2-14-08; Am. Ord. 2009-24, passed 12-17-09; Am. Ord. 2010-02, passed 1-28-10; Am. Ord. 2016-39, passed 12-15-16)