Group Insurance & Wellness Division
Lafayette Consolidated Government is self-funded and owns its own insurance company within the Office of Finance and Management. Like all insurance companies, it has several divisions that contribute to the financial stability of the self-insured funds while providing services to insure the well-being of LCG employees. One of the divisions is the Group Insurance & Wellness Division.
The Group Health Insurance Plan is self-insured and administered by Blue Cross Blue Shield and ExpressScripts with a budget of approximately $25 million. Blue Cross and ExpressScripts process approximately 130,000 claims (health and prescription) annually with 98% of all claims being paid in the BCBS/ESI Network. We are constantly reviewing and implementing new benefits for LCG employees such as Flexible Spending Accounts and retirement preparation. Basic term Life insurance coverage and Accidental Death & Dismemberment coverage is provided for all full-time permanent employees at no cost to the employee. The policy has a value of two times the employee’s annual salary up to $200,000 and is funded thru a flex-funded life plan administered by the Group Insurance & Wellness Division.
The Group Insurance & Wellness Division is responsible for the health and well-being of LCG employees. The City-Parish Nurse performs pre-placement physicals and annual health screens including hearing, vision, EKG, spirometer, and testing for cholesterol, triglycerides, and glucose as well as sees employees for job-related injuries for property & casualty claims. This division also has vaccination programs for Hepatitis A and Hepatitis B, Anti-Rabies, flu, pneumonia, and tetanus and oversees HAZ-MAT and Lead Abatement medical surveillance programs. The City-Parish Nurse sees approximately 1,500 employees each year for personal health problems. Savings to the self-insured workers’ compensation and self-insured Group Health Insurance Plan is approximately $750,000 annually.
Through partnership with Lafayette General Regional Medical Center LCG offers to all eligible full-time employees the Telemedicine Clinic located at City Hall. The Clinic is available for all full-time permanent LCG employees providing medical care with minimal time away from the worksite. This clinic offers the latest state-of-the-art equipment for certain illnesses at a very affordable cost to the employee and provides savings to the self-funded Health Insurance Plan.