health insurance pool
The Center for Local Government Benefits Plan (CLGBP) is a self-insured pool for health insurance. The mission of the pool is to maximize benefits, minimize costs and improve health for participants.
Benefits of self-insured pooling with CLGBP include:
- Protections from the exposure associated with unpredictable, large claims by spreading the risk among member groups
- For groups under 50 employees, it eliminates strict Modified Community Rating requirements
- CLGBP exists in a larger pool called the Jefferson Health Plan (JHP), which holds over $110,000,000 in reserves and covers over 40,000 lives. JHP provides the Center for Local Government pool with additional stability and stop-loss coverage.
- Governments have more autonomy than with a fully-insured set up.
Each participating government gets a say in how the pool is run. The CLGBP Board is made up of one representative from each participating entity. The CLGBP Board works closely with Horan (the pool’s broker) and JHP to ensure that plan designs and cost controls are always optimized.
Horan plays an important role in the guidance of CLGBP by offering recommendations to the Board on services such as the Wellness Plans, Employee Assistance Programs, and other options. United Health Care is the pool’s third-party administrator (TPA), offering services such as a healthcare network and ID cards for pool members.
By operating within the Jefferson Health Plan, CLGBP is able to take advantage of the stop-loss coverage provided by JHP.
To learn more about the pool, contact CLG, who will put you in touch with a representative from Horan to discuss the pool in greater detail. Note that although the pool is a state-wide program, governments must become Center for Local Government members to participate. If your entity is OUTSIDE the 10 county CLG service area, you can still join CLG as an “affiliate” member, and have full access to CLGBP.
Current Participating Members include:
City of Bellbrook
Village of Cleves
City of Deer Park
Village of Fairfax
Village of Golf Manor
Village of Glendale
Village of Indian Hill
Little Miami Joint Fire District
City of Loveland
Village of Mariemont
City of Milford
City of Mt. Healthy
City of North College Hill
Village of Silverton
City of Springdale
City of Trotwood