Agenda Date: 03/17/2026
Subject:
Title
Resolution 09-2026: Approving an agreement with Anthem for administrative services for the city's Self-Insured Medical Insurance Program
Body
From:
James L. Becklenberg, City Manager
Prepared by:
Tracy Hooker, Human Resources Director
Laurie Matta, Finance Director
Presentations:
N/A
PURPOSE:
Staff is requesting approval to enter into an agreement with Rocky Mountain Hospital and Medical Service, Inc. d.b.a. Anthem Blue Cross and Blue Shield ("Anthem") for Administrative Services and Stop Loss Policy for the city's Self-Insured Health Benefit Plan
LONG-TERM OUTCOME(S) SERVED:
High-Quality Governance
DISCUSSION:
The City of Littleton allows employees to participate in several benefit plans if they meet the minimum service hour requirements. One of these benefit plans that this city offers is medical insurance coverage through Anthem. Anthem provides oversight and administration of the health insurance plan. The city is required to enter into an annual contract with Anthem to provide these services.
The city's health insurance plan is a self-funded medical plan as opposed to a fully insured plan. This means the city does not pay a premium per employee to Anthem, but rather pays a premium to the city's health insurance fund. Anthem administers this program by reviewing and approving all allowable claims and in turn, the city pays for these claims from the health insurance fund throughout the plan year. A $200,000 individual stop loss policy is provided to the city to limit the amount required to be paid by the city for high dollar claims along with an aggregate stop loss which limits financial liability for total claims expenses as a whole. This deductible has been increased from $150,000 in years past as a cost savings effort after careful claims analysis. Anthem charges a per employee per month fee for providing these medical benefits and stop loss policies to limit financial liability for both individual members ...
Click here for full text