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From: A. Barry Rosenberg To: Lod Johnson Date: 9/7101 Time: 11:03:08 AM Page :2 of 3 <br /> <br />9/7/01 <br /> <br />A. Barry, Rosenberg CLU, ChFC <br />Minnesota Insurance Services of St. Paul, Inc <br />10562 Sycamore St. NW <br />P.O. Box 48958 <br />Coon Rapids, MN 55448 <br /> <br />Ms. Lori Johnson <br />City, of Elk River <br />13065 Orono Parkway <br />Elk River, MN 55330 <br /> <br />Dear Lori, <br />Subject: City, of Elk River Patrol <br /> <br />The Ci~' of Elk River Patrol Union is facing the reality, that insurance companies are not <br />willing to quote zero co-payment on small groups. A s~nall group for this purpose is <br />under 50 Employees. Matching benefits going forward will be next to impossible. We <br />attempted to get several comparable quotes at this renewal and found only one company <br />xvilling to match the zero co-pay benefit. The health insurance industry is moving away <br />from that Wpe of benefit for small groups because of over utilization. <br /> <br />Going forward we need to be cognizant of the fact that if we maintain current benefit <br />levels, eventually, there will be no competitive quotes. Solutions that will be effective <br />include accepting benefit levels that are in line with the industry standards. The other is to <br />get larger. As I mentioned these restrictions are only in the small group arena. Groups of <br />50 and over are free to design benefit plans to fit their particular needs. <br /> <br />Feel free to call me if you have additional questions or if you would like me to meet with <br />any of the Union Officials involved. <br /> <br />Sincerely, <br /> <br />A. Barry, Rosenberg CLU, ChFC <br /> <br /> <br />