Scotts Bluff County is taking significant steps to address rising healthcare costs following a recent commissioners meeting on June 27, 2025. The discussion centered around the county's health insurance plan and the alarming trend of paying 400% above Medicare rates for medical claims, a figure that has raised concerns among county officials.

During the meeting, commissioners examined the implications of reference-based billing, a system that could potentially lower costs by negotiating payments at 200% of Medicare rates instead of the current 400%. This approach aims to reduce the financial burden on the county and its employees, who often face high out-of-pocket expenses due to inflated medical bills.

The conversation highlighted the challenges of implementing such a system, particularly the need for a robust network of providers willing to accept these negotiated rates. Officials acknowledged that not all healthcare providers would agree to these terms, which could lead to complications for employees seeking care. The risk of balance billing—where employees are charged the difference between what the insurance pays and what the provider bills—was also a significant concern, with some commissioners expressing skepticism about the feasibility of reference-based billing without a solid network in place.

In addition to discussing billing practices, the commissioners addressed the transition to a new insurance provider, Sun Life, set to begin on July 1. They emphasized the importance of ensuring no lapse in coverage during this transition, particularly for employees who require continuous care.

As the county moves forward, officials are focused on finding solutions that balance cost savings with access to quality healthcare. The discussions from the meeting underscore the ongoing challenges faced by local governments in managing healthcare expenses while ensuring that employees receive the necessary medical services without excessive financial strain. The county plans to continue exploring options to optimize its health insurance strategy, aiming for a sustainable approach that benefits both the county and its workforce.