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Learn more about the upcoming 2024 benefit changes, before electing them during Open Enrollment (October 1-14, 2023).

Did you know that the County’s medical plan is self-insured?

The county collects employee and employer premiums, then uses these funds to pay for all medical and prescription claims. Cigna administers our plan and processes claims, but the county pays the claims.

Who determines medical benefit changes?

The Medical Plan Oversight Committee meets with Human Resources monthly to review revenue, expenses, insurance claim data, and trends. The county also partners with external actuarial and consulting services in order to review projections and ensure compliance. In addition, similar employers in the area are surveyed, and feedback is solicited from employees. Changes are voted and approved by the Medical Plan Oversight Committee and in some cases also the Board of County Commissioners.

Dental Plan Premiums

No changes to dental plan design for 2024.

2024 Bi-weekly Premiums
Dental - (Cigna) Employee Premium
Low employee only $6.96
Low employee + 1 $14.20
Low employee + 2 $25.96
   
Middle employee only $10.66
Middle employee + 1 $22.09
Middle employee + 2 $41.53
   
High employee only $17.36
High employee + 1 $35.36
High employee + 2 $64.26
Vision Plan Premiums
  • No changes to vision plan design for 2024
  • No changes to vision premiums for 2024
2024 Bi-weekly Premiums
Vision - (Metlife) Employee Premium
Employee only $2.20
Employee + 1 $4.40
Employee + 2 or more $6.46
Medical Plan Premiums
2024 Bi-weekly Premiums
Medical - (Cigna) Total Premium Employee Contribution County Contribution County Percentage
HDHP Employee only $456.86 $23.32 $433.55 95%
HDHP Employee + spouse $959.71 $150.71 $809.00 84%
HDHP Employee + child(ren) $867.18 $119.34 $747.84 86%
HDHP Employee + family $1,269.81 $266.15 $1,003.66 79%
LDHP Employee only $497.65 $38.85 $458.80 92%
LDHP Employee + spouse $1,023.89 $180.71 $843.19 82%
LDHP Employee + child(ren) $932.49 $147.17 $785.32 84%
LDHP Employee + family $1,357.06 $310.24 $1,046.81 77%
High Deductible Health Plan Comparison

High Deductible Health Plan Comparison

  • High Deductible Health Plan will now feature co-payments after deductible is met.
  • No changes to employee premium cost.
  • Those who elect the High Deductible Health Plan receive employer funding that is deposited into a Health Savings Account (HSA) or into their paycheck.
    (In January 2023, 2,576 eligible employees received employer funding, which totaled more than $2 million.)
2023 2024
In-Network Out-of-Network In-Network Out-of-Network
Deductible Individual/Family $1,500 / $3,000 $3,000/ $6,000 $1,500 / $3,000 $3,000/ $6,000
Employer Contribution Individual/Family Up to $750 / $1,250 Up to $750 / $1,250 Up to $750 / $1,250 Up to $750 / $1,250
Out of pocket max Individual/Family $3,000 / $6,000 $6,000 / $12,000 $3,000 / $6,000 $6,000 / $12,000
Telehealth 20% after DED 40% after DED $10 after DED 50% after DED
Primary Care 20% after DED 40% after DED $30 after DED 50% after DED
Specialist 20% after DED 40% after DED $50 after DED 50% after DED
Inpatient Hospital 20% after DED 40% after DED 20% after DED 50% after DED
Outpatient Surgery (Non-Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Outpatient Surgery (Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Advanced Imaging (Non-Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Advanced Imaging (Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Urgent Care 20% after DED 20% after DED 20% after DED 20% after DED
Emergency Room 20% after DED 20% after DED 20% after DED 20% after DED
Low Deductible Health Plan Comparison

Low Deductible Health Plan Comparison

  • Low Deductible Health Plan will have increased deductibles, copayments, and out of pocket maximums.
  • No changes to employee premium cost.
2023 2024
In-Network Out-of-Network In-Network Out-of-Network
Deductible Individual/Family $1,000 / $2,000 $3,000/ $6,000 $1,250 / $2,500 $3,000 / $6,000
Employer Contribution Individual/Family No employer contribution No employer contribution No employer contribution No employer contribution
Out of pocket max Individual/Family $2,500 / $5,000 $6,000 / $12,000 $3,000 / $6,000 $6,000 / $12,000
Telehealth $10 40% after DED $10 50% after DED
Primary Care $20 40% after DED $30 50% after DED
Specialist $35 40% after DED $50 50% after DED
Inpatient Hospital 20% after DED 40% after DED 20% after DED 50% after DED
Outpatient Surgery (Non-Hospital) $100 40% after DED $150 50% after DED
Outpatient Surgery (Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Advanced Imaging (Non-Hospital) 20% after DED 40% after DED $150 50% after DED
Advanced Imaging (Hospital) 20% after DED 40% after DED 20% after DED 50% after DED
Urgent Care $40 $40 $50 $50
Emergency Room 20% after DED 40% after DED 20% after DED 20% after DED
Pharmacy Plan Updates
  • Your pharmacy coverage is included with your medical insurance.
  • Newly added fourth tier for specialty pharmacy.
  • Additional pharmacy programs:
Retail (30-day supply) 2023 2024
Tier 1 – Generic $10.00 $10.00
Tier 2 – Preferred 10% + $30 10% + $30
Tier 3 – Non-Preferred 10% + $50 10% + $50
Tier 4 – Specialty n/a 10% + $100
Home Delivery (90-day supply) 2023 2024
Tier 1 – Generic $25.00 $25.00
Tier 2 – Preferred 10% + $75 10% + $75
Tier 3 – Non-Preferred 10% + $125 10% + $125
Tier 4 – Specialty n/a 10% + $200
Have questions?