Strategies & Principles

Goals


Long-term viability of the EBS and AOCIT trusts

Strategies


Effectively market and efficiently provide a set of benefits and services that are attractive to and cost-effective for employers and employees and promote employee wellness

Principles


Program design will: Be reviewed on a regular basis and may be changed periodically considering: current trends and standard practices, changes in the health care industry and the benefits marketplace, employer and employee needs, the impact of cost increases Be fiscally responsible with consideration of long-term rate affordability and minimizing risk to the trusts; use sound underwriting and actuarial principles Allow employer cost-sharing to be determined by the entity, within guidelines set by CIS Keep number of plans available to a number reasonable to provide meaningful choices among benefit levels and maintain administrative efficiencies Include elements of both employer and employee choice Provide unique value-added features or services Balance cost and benefits Plan designs will: Include elements that encourage responsible use of the health care system Encourage seeking early diagnosis and prompt treatment Include a base level of catastrophic coverage and limit maximum out of pocket costs Include wellness/preventive benefits Be comparable to and competitive with other programs available to local governments in Oregon Reserves may be used to: Temporarily moderate cost increases for employers and employees by subsidizing rates Encourage wise purchasing and use of the program Promote long-term health of participants

CIS Benefits


A Decision-Making Guide for Employers