Resolution 2025-033Resolution No. 2025-33
A RESOLUTION OF THE UNITED CITY OF YORKVILLE, ILLINOIS
APPROVING HEALTH, VISION, DENTAL, AND LIFE INSURANCE
COVERAGE FOR THE FISCAL YEAR 2026
WHEREAS, the United City of Yorkville, Kendall County, Illinois (the "City"), is a duly
organized unit of government of the State of Illinois within the meaning of Article VII, Section
10 of the 1970 Illinois Constitution; and
WHEREAS, the City provides health, dental, vision and life insurance coverage
("Insurance Benefits") for employees; and
WHEREAS, the City's current health, dental, vision and life insurance policies through
Blue Cross $lue Shield of Illinois expire on April 30, 2025; and
WHEREAS, the City intends to continue providing Insurance Benefit to employees
through Fiscal Year 2026; and
WHEREAS, the City's insurance broker, Alliant-Mesirow Insurance Services, annually
receives and reviews insurance coverage proposals on the City's behalf, and
WHEREAS, the City's Finance Department has reviewed quotes obtained by the
insurance broker, and has found that the most reasonably priced insurance provider is the City's
current insurance provider, as evidenced in the Alliance Insurance Proposal, attached hereto as
Exhibit A; and
WHEREAS, the City's Finance Department recommends renewing the City's health
insurance, vision insurance, dental insurance and life insurance coverage with Blue Cross Blue
Shield of Illinois; and
WHEREAS, the City desires to continue coverage with the aforementioned carrier as
recommended by the City's Finance Department.
NOW, THEREFORE, BE IT RESOLVED by the Mayor and City Council of the United
City of Yorkville, Kendall County, Illinois, as follows:
Section 1. The recitals set forth above are incorporated into this Resolution as if fully
restated herein.
Resolution No. 2025-33
Page I
Section 2. In consideration of the foregoing recitals, the Mayor and City Council hereby
approve renewal of the City's existing health insurance plans, vision insurance plan, dental
insurance plan and life insurance plan with Blue Cross Blue Shield of Illinois.
Section 3. The City Administrator and City Finance Department are hereby authorized
and directed to sign all contracts and take any action necessary to secure the renewal of the health
insurance plans, vision insurance plan, dental insurance plan and life insurance plan with Blue
Cross Blue Shield of Illinois.
Section 4. That this Resolution shall be in full force and effect from and after its passage
and approval as provided by law.
Passed by the City Council of the United City of Yorkville, Kendall County, Illinois
this 25th day of March, A.D. 2025.
14cuij Lk
,-ITY�
CLERK
KEN KOCH
AYE
DAN TRANSIER
AYE
ARDEN JOE PLOCHER
AYE
CRAIG SOLING
AYE
CHRIS FUNKHOUSER
AYE
MATT MAREK
AYE
SEAVER TARULIS
AYE
RUSTY CORNEILS
AYE
APPROVED by me, as Mayor of the United City of Yorkville, Kendall County, Illinois
this -31s� day of M n rM , A.D. 2025.
Attest:
Q� 0-,' yjloi
Y CLERK
C
MAYOR
Resolution No. 2025-33
Page 2
Exhibit A
HMO Plan
Network
Coinsurance Percentage
Employee Deductible
Family Deductible
Total Employee Maximum Out of Pocket excluding Rx
Total Family Maximum Out of Packet excluding Rx
Network Office Visa (PGPiSpecialist)
Emergency Room
Urgent Care
Outpatient Surgery (Physician Cftcelfrospita0
Inpatient Hospital
Rx Out of Pocket Maximum
Retail Rx Copays (GenedclBrand Formularyl6rand Non -Formulary)
PPO Plan
Network
Coinsurance Percentage
Employee Deductible
Family Deductible (Non -Embedded)
Total Employee Maximum Out of Pocket (Includes Deductible)
Total Family Maximum Out of Pocket (Includes Deductible)
Network Office Vlsh (PCPfSpecialist)
Emergency Room
Urgent Care
Outpatient Surgery (Physician Office/Hospital)
Inpatient Hospital
Rx Out o1 Pocket Maximum
Retall Rx Copays (Genefic(Brand Form ilarylBrand Non -Formulary)
Out -of -Network Bensflls [Providers may Balance Bill)
Coir,--c Percentage
Deductible (rndialduellFamlry)
Our-0f Pocket Maximum (Individual/Family)
Current and Renewal
MHHB106 Blue Advantage HMO
Blue Advantage Network
100%
$0
$o
$1,500
S3,000
$201$4O Copay
$150 ER Copy
No Charge
$20 Copay
No Charge
Individual. $1,000 Family: $3,000
$10!$401$60
MPSEU05 Blue Edge HSA
PRO Network
80%
53.500
56,650
$5,300
S6,850
80% after Deductible
90% after Deductible
90% after Deductible
00% after Deductible
80% after Deductible
Included in overall Out of Pocket Maximum
Above
80% after Deductible
60%
$7,000/$74,000
Sf7.6004$4Pao
Estimated
Revised Renewal
Count" Current Renewal Revised Renewal wrth Dental and
Life Bundling
Discount
Employee 6
Employee 8 Spouse 4
Employee 8 Child(ren) 0
Family 10
Est Monthly HMO Medical Premium
Est. Annual HMO Medical Premium 20
Employee 20
Employee 8 Spouse 11
Employee 8 Chitd(ren) 3
Family 36
Est Monthly PPO Medical Premium
Est. Annual PPO Medical Premium 70
m
Est. Annual Gross Premium increase Over the Current Policy Year ($)
Est. Annual Gross Premium increase Over the Current Policy Year (%)
MHHB106 Blue Advantage HMO
$63124
S741,58
$730132
$71966
$1,40025
$1.507,49
$1,58373
$1559.97
$1.411,76
$1.583,76
$1,566.58
$1.63400
$2,18038
$2.549.67
$2,511.99
$2.474,31
*31,196.24
$36,376.14
$351138.54
$35,300.96
$374,354.88
S436,511.68
$430,062.48
$423,611.54
MPSE3X05 Blue Edge HAS
S637.85
S759.64
S748.41
$737.18
$1,414.95
S7,646,64
S1,622.30
51,597.S7
$1.42657
$1.72478
$1,69929
$1573.80
$22O3.66
$2,61178
$2573.1B
$2,53.458
$111.932.92
$132,504.26
$130,545.85
$128,597.66
$1,343,195.04
$1,59p,051.72
$1,566,55029
$1,543,051.95
$143,129.16
$160,580.40
$156,334.39
$163 888.62
$1.717.549.92
42,026,564.80
$1,996,612.68
$1,966,663.49
$309,014.98
$779,062.76
$249,143,57
17.99%
152511
14S0%
-9.69 %
-10.73/.
This benefit summary is provided for your use in comparing the major provisions of the medical plan. This is only a brief description of
the benefits. Please refer to the plan document and contract when issued, for additional details, coverage exclusions and coverage
limitations. At all times, the plan documents and contract take precedence over this summary.
Alternate 1
MHHB106 Or.. Advantage HMO
Blue Advantage Network
1 O0%
$C
$0
$1,500
$3,000
$201S40 Copay
$150 ER Copay
No Charge
$20 Gopay
No Charge
individual: $1,000 Family: $3,000
$1O!$40i$60
MIEEF4024 Blue Edge NSA
PPO NeAvork
100%
$7,50C
$15.000
$7,50C
$15,000
,W% after Deduc4hfe
100% after Deductlbie
100% after Deductible
1 DO% after Deductible
100% after Deductible
included in overall Out of Pocket Maximum Above
106% after, Deductible
100%
$75,000P530,000
sfs,0007�3o,oao
Aftemate 1
BCBSIL
No Change to HMO Coverage
With Estimated SCBS Dental and Life Bundling
Discount
MHHB106 Blue Advantage HMO
$719 fib
51,559-97
St,634.00
$2,474.31
$35,306.96
$423,611.54
MIEEE4024 Blue Edge HSA
S587.73
S1 274.00
$1,234.45
$2 020 72
$102,517.77
$1.210,213.19
$137,818 73
$1.653.824.71
-$63,725.19
-37t
Current and Renewal
Atomato 2
HMO Plan
MHH6106 Blue Advantage HMO
MHH6105 Blue Advantage HMO
Network
Blue Advantage Network
Blue Advantage Net —A
Coinsurance Percentage
100°'a
100 %
Employee Deductible
$0
s0
Family Deductible
$0
$0
Total Employee Maximum Out of Packet excluding Rx
$1.500
51,500
Total Pol ly Maximum Out of Pocket excluding Rx
$3,0c0
$3,000
Network Office Visit (PCPISpecialisp
S201540 Capay
$201S40 Copay
Emergency Room
$150 ER Capay
$150 ER Copay
Ural Care
No Charge
No Charge
Outpatient Surgery (Physician CIEWHaspAan
$20 '—.pay
$20 Copay
Inpatient Hospital
No Charge
No Charge
R. Om of Pocket Maximum
Individual:$1,000 Famiy:$3.000
Individual:$1,000 Farrily:$3,000
Retail R. Coop (GenedclB—c. FormularylSiand Non -Formulary)
$101S401$6C
S1O15401$60
MIEEE3053 Blue Edge H$A
PPO Plan
MPSE3X05 Blue Edge HSA
Network
FPO Netvmk
PPO Nenvork
Coirlsul Percentage
BUY.
90%
Employee Dool-We
53,500
$3.500
Family Deductible (Non -Embedded)
S5,850
$7,000
Total Employee Maximum Out nl Pocket (Includes Deductbk)
S5,500
S7,000
Total Family Maximum Out of Packet (Includes Deductible)
$6 850
S14,000
Network Office Visit (PCP15pecialist)
50%after Deductible
SO'S after Deductible
Emergency Room
90% after Deductible
80% after Deductible
Urgent Care
90% after Deductible
50% after Deductible
Outpatient Surgery (Physician OFficehlospitap
BO%after Deductible
80%after Deductible
Inpatient Hospial
80 % after Deductible
80% after Deductible
Rx Out of Packet Maximum
Included in overall Out of Pocket Maximum
Above
Included in overall Out of Pocket Maximum Above
Retail Rx Copays (GenericlBrand Formulary/Brand Non -Formulary)
80%al1er Deductible
Deductible, then
B09'e180%f9D%180%180%170%(70° � 60%5p°.k
Oul-of-Network 8enefils (Providers may Balance Bill)
Coinsurance Percentage
60%
60%
Deductible (Individua!/Pemily)
$7000414,000
$1,0001$14,000
Out-cf-Pocket Maximum (Individual7Family)
$11, 500,%23,200
$21,000/$42,000
Estimated
Alternate 2
Revised Renewal
BCBSIL
Count'
Current
Renewal Revised Renewal
with Dental and
No Change to HMO Coverage
Life Bundling
With Estimated BCBS Dental and Life Bundling
Discount
Discount
MWHB106 Blue Advantage HMO
MHH8106 Blue Advantage HMO
HMO Monthly Rafts, Actil Employees
Employee
6
$831.24
$741.58 $730,62
$719.65
$719.66
Employee & Spouse
4
$1.40025
$1.607.49 $1.583.73
$1.559.97
$1,569,97
Employee B Child(ren)
0
$1.411.75
S1.683.76 Si.658.88
$1.634.00
51,634.00
Family
10
S2,180.78
$2.549.57 S2,511.99
52.474.31
52,474.31
Est. Monthly HMO Medics€ Premium
$31.196.24
$36.376.14 $35,838.54
$35,300.96
$35,300.96
Est. Annual HMO Medical Premium
20
$374,354.88
$436,513.68 5430,062.48
$423,611.54
$423,611.54
MPSE3X05 Blue Edge HAS
MIEEE3553 Blue Edge HSA
Employee
20
S63785
$759 64 $745.41
$737,18
S656.16
Employee & Spouse
11
$1 414.95
$t 54664 $1622 30
$1.59797
$1444.00
Employee &Chiki(ren)
3
$1.426-57
$1.724.78 Si.699.29
$1.673.80
$1512.52
Family
36
$2.203,66
$2.6t1.78 S2.5n 18
$2.534.58
$2290.37
Est. Monthly PPO Medical Premium
$111.932.92
$132,504.21 $130,545.85
$128.51l
$116,198.93
Est. Annual PPO Medical Premium
70
51,343,195.04
51.599.051.12 S1,566,550.20
$1.543,051.95
$1,394,378 32
Est. Combined Monthly Medical Premium
$143.129.16
$169,880.40 5166,384.39
$163,988.62
$151,498.91
Est. Combined Annual Meelloal Premium
90
$1,717,549.92
S2,026,564.90 S1,996,612.68
S1,968,663.49
$1,517.987.07
Est. Annual Gross Premium Increase Over the Current Policy Year ($J
$309,014.88 $279,062.76
3249,113.67
$100,437.95
Est Annual Gross Prom lum increase Over the Current Policy Year (%J
17.99 % 16.25/
14.50 %
5.86%
-9.69%
-10.73 %
This benefit summary is provided for your use in comparing the major provisions of the medical plan. This is only a brief description of
the benefits. Please refer to the plan document and contract when issued, for additional details, coverage exclusions and coverage
(imitations. Atoll times, the plan documents and contract take precedence over this summary.
2
Exhibit A - continued
Current and Renewal
Alternate 1 Cigna
HMO Plan
MHHB106 Blue Advantage HMO
IL Cigna One Health HMO
Network
Blue Advantage Netifil
One Health HMO
Coinsurance Percentage
100%
100%
Employee Deductible
50
$0
Family Deductible
SC
s0
Total Employee Maximum Out of Pocket excluding Rx
$1.500
51,500
Total Family Maximum Out of Pocket excluding Rx
$3,000
53,000
Network Office V.1(PCPISta-lalist)
5201540 Copay
5201540 Copay
Emergency Room
$150 ER Copay
$15C ER Copay
Urgent Care
No Charge
No Charge
Outpatient Surgery (Physician OfficelHospital)
$20 Copay
No Charge
Inpatient Hospital
No Charge
None
Rx Out of Pocket Maximum
Individual_ $1,000 Farrziy: $3,000
included in overall Out of Pocket Maximum Above
Retail Rx Copays (Generef9rand PormularylBrand Non -Formulary)
$1015401$60
$10!$401560
PPO Plan
MPSE3X05 Blue Edge HSA
Open access Plus Hi
Network
PPO Network
Open Access
Coinsurance Percentage
80%
50%
Employee Deductible
$3.500
$3,500
Family Deductible (Non -Embedded)
$6.$50
$7,000, Embedded
Total Employee Maximum Out of Pocket (Includes Deductible)
$5800
$5800
Total Family Maximum Out of Pocket (Includes Deductihie)
liti
$11 600
Network Office Visit (PCP15pemalist)
80% after Deductible
80% after Deductible
Emergency Room
90% after Deducthla
90% after Deductible
Dogent Care
90% after Deductible
80A are, Deductible
Oupatient Surgery (Physician OlftcelHnspita0
8C%after Deductible
SO- after Deductible
Inpatient Hospital
80%after Deductihle
801A a0er Deductible
Rx Out of Pocket Maximum
Included
in overall Out of Pocket Maximum Above
Included In overall Out of Pocket Maximum Above
Retail Rx Copays (Genedef16rand Formulary/Brand Non -Formulary)
80 % after Deductible
$10I5301550450
Out-ot-Nelwork Benefits (Providers may Balance Bill)
Coinsurance Percentage
60%
60%
Oed-tale (lndivid-bFamilyj
S7, 0001S l4, 000
36,6501S14,000
Out-0f-Pocket Maximum (fndividuaVFamily)
$f i, 5001523.200
58,850Af23,2LV
Estimated
Advised Renewal
Alternate 3
Count'
Current
Renewal Revised Renewal
with Dental and
Non-BCBSIL Carder
Life Bundling
Cigna
Discount
M8HB106 Blue Advantage HMO
IL Cigna One Health HMO
Employee
6
5631.24
5741.58 5730.62
1
$657.53
Employee & Spouse
4
$1.400.25
$1,607.49 51,58373
51,559.97
$1,458.59
Employee&Cull
0
$1,41176
$1,683.76 51,658,as
S1,634.00
$1.470.56
Family
10
$2,180.78
$2549.67 52,511.99
52.47431
$'2,628.34
Est Monthly HMO Medical Premium
$31,196.24
$36,376.14 $35,839.54
$35,300.96
$28,835.00
Est. Annual HMO Medical Premium
20
$374,354.88
$416,513.69 $430,062.48
$423.611.54
$346,020.00
PPO Monthly i Act.. Employ-.
MPSESXOS Blue Edge HAS
Open access Plus HDHPO
Employee
20
$637.135
$759.64 574841
$737. 18
$57422
Employee&Spouse
11
$1,414.95
51,646.64 $1,622,30
$1.597,97
$127535
Employee & Child(ren)
3
51.426.57
51,724.78 $1,599.29
51.673.80
$1.285.82
Family
26
52203.66
52.611.76 $2,573.18
52.534.56
$2.296.14
Est Monthly PPO Medical Premium
S111.932.92
S132,504.26 $130.545.85
5128,587.66
$112,593.00
Est, Annual PPO Medical Premium
70
51,343,195.04
$1.590.051.12 51,566,550.20
51,643,051.95
$1,352,316A0
Est. Combined Monthly Medical Premium
§143,129.16
Slsa,atil $166,384.39
5163,688.62
$141,528.00
Est. Combined Annual Medical Premium
90
$1,717,549.92
$2,026,564.80 $1,996,612.68
$1,966,663.49
$1.698,336.00
Est. Annual Gross Premium Increase Over the Current Policy Year {;)
$309,014.88 $279,062.76
$249,113.57
419,213A2
Est, Annual Gross Premium Increase Over the Current Policy Year (°/)
17,99% 16.25%
14.50%
-1.12%
-9.69 %
-10.73°/
rates are underwritten
Health Engagement Fund: $5,000
Implementation performance Guarantee: $9,000
This benefit summary is provided for your use in computing the major provisions
of
the mediwi plan.
This Is only a brief description of
Includes: Virgin Pulse Wellness access, Identity theft
the benefits. Please refer to the plan document and contract when Issued,
for additional
details, coverage
exclusions and coverage
protection, MD Live urgent, primary, and mental
Iimftations. At all times, the plan documents and contract take precedence
over this summary.
health care, Yalk Space, Head Space.
3