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Campus Box 8107
Pocatello, ID 83209-8107
Phone (208) 282-2517
Fax (208) 282-4976
Email: hr@isu.edu

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Human Resources

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 FY15.

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 $23.50 $59.50 $41.00 $55.00 $74.50 $85.50
Traditional Plan $29.00 $72.00 $51.00 $66.50 $90.50 $101.00
High Deductible Plan $19.00 $50.50 $34.00 $46.00 $63.00 $70.50
Dental $4.12 $19.12 $16.12 $24.62 $27.37 $31.62

 

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 $105.20 $141.20 $122.70 $136.70 $156.20 $167.20
Traditional Plan $110.70 $153.70 $132.70 $148.20 $172.20 $182.70
High Deductible Plan $100.70 $132.20 $115.70 $127.70 $144.70 $152.20
Dental $6.04 $21.04 $18.04 $26.54 $29.29 $33.54

 

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
Per $1,000 Coverage

Age

Monthly Premiums
Per $1,000 Coverage

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