Benefits: Insurance: Monthly Premiums
Basic Life Premiums
Disability Coverage
Medical and Dental Premiums
Monthly Premiums
Supplemental Life Insurance
Monthly Premiums
The State group insurance plans each have a monthly premium -- that's the amount it costs per month for coverage under the plan. For some benefits the State pays a substantial portion of the premium and you pay the balance. For others, the State pays the full cost. For certain benefits, you pay the entire premium. Premium costs vary from one year to the next.
Medical and Dental
The following charts detail the bimonthly premium rates that an employee will pay for medical/dental coverages. These premiums will be deducted from employee's first and second paychecks each month. All medical plan premiums include the premium for vision coverage. Rates are effective for FY13.
Full-Time Tier (30 to 40 hours per week)
| Employee Only | Employee & Spouse | Employee & Child | Employee & Children | Employee, Spouse & Child | Employee, Spouse & Children | |
| PPO Plan | $17.50 | $44.50 | $30.50 | $41.00 | $55.50 | $63.50 |
| Traditional Plan | $21.50 | $54.00 | $38.00 | $49.50 | $67.50 | $75.50 |
| High Deductible Plan | $14.00 | $37.50 | $25.50 | $34.50 | $47.00 | $53.00 |
| Dental | $4.00 | $18.50 | $15.50 | $23.75 | $26.37 | $30.50 |
Part-Time Tier (20 - 29.9 hours per week)
| Employee Only | Employee & Spouse | Employee & Child | Employee & Children | Employee, Spouse & Child | Employee, Spouse & Children | |
| PPO Plan | $88.75 | $115.75 | $101.75 | $112.25 | $126.75 | $134.75 |
| Traditional Plan | $92.75 | $125.25 | $109.25 | $120.75 | $138.75 | $146.75 |
| High Deductible Plan | $74.50 | $98.00 | $86.00 | $95.00 | $107.50 | $113.50 |
| Dental | $6.25 | $20.75 | $17.75 | $26.00 | $28.62 | $32.75 |
Basic Life
The State pays the premiums for this coverage -- there is no cost to you.
Disability Coverage
The State pays the full monthly cost for your Short Term Disability and Long Term Disability coverage. Note, since this coverage is employer-paid, if you ever become disabled under the plan you may have to pay income and FICA (Medicare/Social Security) taxes on some or all of the benefits you receive.
Supplemental Life Insurance
If you elect this coverage you pay the entire monthly cost. How much you will pay depends on your benefit amount, (your annual salary) and your age group.
Age |
Monthly Premiums |
Age |
Monthly Premiums |
35 and Under |
$0.08 |
56-60 |
$0.77 |
36-40 |
$0.12 |
61-65 |
$1.04 |
41-45 |
$0.17 |
66-70 |
$1.59 |
46-50 |
$0.27 |
71-75 |
$2.27 |
51-55 |
$0.43 |
76-80 |
$3.43 |
|
|
81-85 |
$5.11 |