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.
Employees and covered family members receive an annual preventive care benefit with no cost sharing each calendar year when using in-network providers. Deductible waived for this benefit.
The Health Insurance Portability and Accountability Act (HIPAA) is a law mandating that anyone belonging to a group health insurance plan must be allowed to purchase health insurance within an interval of time once the previous coverage is lost. The law protects employees, especially those with long-term health conditions, who may be reluctant to leave jobs because they are afraid of pre-existing condition clauses will limit coverage of any such conditions under a new insurance plan and losing health insurance due to a change in employment status. Read the City's Notice of Privacy Practices According to HIPAA for additional details.
Prescription Drug Plan
Prescription Drug Plan administered by MedTrak. Retail pharmacy coverage: $5 co-pay per 30 day fill plus 20% of the remainder of the prescription cost; maximum fill of 90 days. Mail order coverage: 20% of cost limited to a 90-day supply per prescription. Mandatory generic: If plan participant elects brand name over generic, cost is the $5 co-pay (waived for mail order), plus 20%, plus the difference in price between the generic and brand name. Out-of-Network (filing prescription claim with Med-Pay): after deductible is met, plan pays 60% of covered prescriptions.
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.