Health care coverage is provided at no cost to full-time regular and contract status employees. The City-paid premium is currently $466 per month. Coverage begins the first day of the month following the employment or eligibility date.
Coverage for dependents is $449 per month and paid 100% by the employee. Deductions of $224.50 are made from the first and second checks of each month to pay for the next month’s coverage. Newly enrolled dependents are required to remain in the Plan for a minimum of 6 months.
The City’s Plan is self-insured and has Mercy as its Preferred Provider Organization (PPO). The in-network annual deductible is $500 per person/$1000 per family. Preferred provider coverage is 80% after deductible; non-preferred provider coverage is 60% after the $1000 individual out-of-network deductible.
Prescription Drug Plan
A voluntary, employee paid dental insurance plan is available through payroll deduction. The coverage is provided through Sun Life Financial and includes two options: Freedom Basic and Freedom Advance.
Dental Premiums are 100% employee paid. Deductions occur on the second paycheck of the month to pay for the following month’s coverage.
|Number of Insureds||Freedom Basic||Freedom Advance|
|Employee + One||$39.23||$77.00|
|Employee + Family||$73.49||$124.29|
Term Life Insurance
A voluntary term life insurance program is available through payroll deduction. Premiums are 100% employee paid and are based on age and amount of coverage selected. A maximum coverage of five times the employee's annual salary, not to exceed $500,000, is available. Any coverage amount exceeding $200,000 requires evidence of insurability.
Spouse and dependent coverage may also be purchased.
A voluntary plan available through AFLAC. Premiums are 100% employee paid.
Cafeteria Plan IRS Section 125
Voluntary employee participation. This plan allows for the payment of Health, Dental, Life and Cancer Insurance premiums and qualified Dependent Care Expenses & Medical Expenses on a pre-tax basis. Elected contributions are not subject to State or Federal income taxes or FICA tax.