Berkshire Health Group to See 8 Percent Rate Hike in FY23

By Stephen DravisiBerkshires Staff
Print Story | Email Story
WILLIAMSTOWN, Mass. — The Berkshire Health Group Board of Directors on Monday voted to raise health insurance premiums by 8 percent for the fiscal year that begins on July 1 while offering a one-month "premium holiday" in FY23.
 
By a vote of 6-2 with one member abstaining, the board decided to raise rates for the 31 municipal entities served by the group. The 11 voting members of the group include the towns of Adams, Great Barrington, Lanesborough, Lenox and six regional school districts, Berkshire Hills, Central Berkshire, Hoosac Valley, Mount Greylock, Northern Berkshire Regional Vocational (McCann Tech) and Southern Berkshire; BHG also serves 20 smaller municipal entities who are affiliated with the joint purchasing group.
 
The board was advised by a representative from Gallagher Benefit Services that a rate hike was prudent to account for inflated health costs and a rise in claims after a fall-off in people accessing providers for non-emergency services during the height of the COVID-19 pandemic.
 
The board's consultant recommended four possible courses of action: an 8 percent increase with no premium holiday, an 8 percent increase with a premium holiday, a 4 percent increase with the FY23 funding shortfall partially offset by the group's reserve or no premium increase with the increased FY23 costs entirely offset by reserves.
 
"Option 3 is really the direction that I would point to to consider because it's the best of both worlds," Berkshire Health Group Treasurer James Kelley advised the board. "It leaves the trust in an extremely strong position with a lot of flexibility down the road. It also allows you locally to be in a manageable fiscal situation."
 
BHG Board Chair Sharon Harrison, the business administrator in the Berkshire Hills Regional School District in Stockbridge, told her colleagues that the proposed 8 percent increase was a shock to her but a one-month holiday from paying premiums would offset the near-term hike and allow the group to avoid larger rate increases down the road.
 
It has been a couple of years since Berkshire Health Group has passed a rate increase on to its member municipal entities. Last January, the board voted to keep rates level and give a one-month premium holiday in June 2021.
 
At Monday morning's meeting, Lenox Director of Human Resources Lyndsay Patenaude, representing the town on the board, moved that the board put off making a decision on the FY23 premium rate until representatives had a chance to put more thought into the decision. That motion failed on an 8-1 vote.
 
"My budget goes out next week, and health insurance rates are the last piece and, right now, the most important piece," Harrison said.
 
"I'd rather have more time to prepare for the worst than delay and have to end up dealing with it later, personally," Mount Greylock Regional School District Business Administrator Joe Bergeron said prior to voting on the motion to delay a decision.
 
Patenaude ended up voting in the minority against the decision to institute an 8 percent hike for FY23. So did McCann Tech Superintendent James Brosnan.
 
Brosnan said if he had his way, the group would keep rates level for FY23, knowing it has enough in reserves to cover increased costs, and deal with the rising expenditures in a future year.
 
"We can't go [to taxpayers] with, 'We're going to have a premium holiday,'" Brosnan said. "That's sort of voodoo economics. I have to fully fund my budget, as does everyone on this call. All that does with a premium holiday in May is spin that down and say, 'We have a little surplus now.' "
 
In the end, the majority of the board appeared swayed by Harrison's argument in favor of biting the bullet on an 8 percent increase in the coming fiscal year in order to avoid much larger hits down the road.
 
She referenced decisions the board made in the early part of the last decade not to increase the rate and instead use reserves. Those decisions led to "an almost 15 percent increase in one year" to bring the rates in line with actual costs, Harrison said.
 
"Right now, I'm feeling once bitten, twice shy," Harrison said. "I'm feeling we're at a point now where the rate increase is the rate increase, and we don't want to see 14 or 15 percent the next year."
 
Harrison, Hoosac Valley's Erika Snyder, Adams' Crystal Wojcik, Central Berkshire's Greg Boino, Southern Berkshire's Chris Desjardins and Bergeron voted in favor of the increase. Williamstown's Rachel Vadnais abstained from the vote. The towns of Great Barrington and Lanesborough did not have a representative voting at the virtual meeting.
 
In a separate vote Monday, the board decided unanimously on no increase in the group's dental premium for FY23.
 
An earlier version of this story said the premium holiday the Berkshire Health Group board voted at its Jan. 24 meeting was for fiscal year 2022. The board's vote was to give members the break on premiums for one month in FY23.

Tags: health insurance,   

If you would like to contribute information on this article, contact us at info@iberkshires.com.

New Daycare and Training Zone for Dogs Opens in Williamstown

By Breanna SteeleiBerkshires Staff

WILLIAMSTOWN, Mass. — You can now bring your dogs to a new daycare and training spot. 

Owners and friends Michelle Marrocco and Tiffany Boyden opened Pup Place last month at 895 Simonds Road, the former location of a martial arts studio.

"We do daycare full days and half days, and then we do what we like to call lifestyle training, which is just worked into our models," Marrocco said. "So generally, people don't want their dogs to jump on them, or counter surf, or steal food, and we don't want those things either. So we just reinforce that all day, every day.

"And then we have additional training options like leash training, so your dog will walk politely. We do reactivity training with dogs who are nervous or scared or have issues with other people or other dogs."

This is not their first venture. The two have been walking and training dogs as Berkshire Pup People and it took about five years to find the right space to open a doggy daycare.

"We started with walking, and then added on training and pet sitting and pet sitting. So we have a team of independent contractors," Boyden said.

Marrocco said a brick and mortar building for their business was always the goal while they built up a customer base.

"The idea was that we would do that to build up trust in the community and get to know the market better, with the goal of opening a dog daycare, because there's a huge amount of people with dogs here in the Berkshires in general, and I think we are able to serve maybe 11 percent of the market, which is like families with one or two dogs, and there's three other dog daycares in the region, or dog day trains sort of places, and there's simply not enough for what people need," she said.

Boyden, who is a dog behaviorist, said she fell in love with dog training during the pandemic through helping a neighbor with their dog.

"There was a hole in the market because the dog daycare that I actually brought my own dog to closed, and my neighbor was like, 'I was working remote this whole time, but now I have to go in the office. What do I do with my dog? What do you do with your dog?' And I was like, 'I have a remote job, so he stays home.' And that's kind of where the idea started. We started walking and training him. Then he started coming to my house for care," Boyden said.

After realizing the gap in the market, Boyden reached out to Marrocco, knowing they are both dog lovers, and asked if she wanted to start a business with her.

Boyden learned training from an online course and hands-on experience. Marrocco has a background in teaching and said humane education is similar to how dogs learn. The also completed the E for All Berkshire County business training program. 

"What sets me apart a little bit from other trainers in our area is that instead of just basic training, I really enjoy the reactivity training, anything that's behavioral. I love to see a dog struggling and find the root cause of why they're struggling, and then figure out how can we work together to help, rather than just say, 'Hey, this is a behavior. We're going to just train you to stop it,'" she said. "It's why are you having that behavior, and how can we help you through that so you no longer feel like you need to do that behavior? So that's a lot of what we do here in general." 

They use positive reinforcement only and avoid aversive methods, which can hide behavior problems. She said all dogs learn a shared set of commands, such as waiting at gates and being comfortable with handling. 

At the daycare, dogs rotate between rest, enrichment activities like ripping cardboard, and play so they learn to settle down.

View Full Story

More Williamstown Stories