*Health Insurance
(Self Insured -Blue Cross/Blue Shield Provider)
Traditional Plan - $500 annual deductible per person
(3 person - $1,500 family maximum); insurance pays 80%
(70% of allowable costs if not a Preferred Provider doctor.
Percentage is dependent on rate charged versus BCBS allowable
rate). After $2000 out-of-pocket per individual, (3 person
- $6,000 family maximum), insurance pays 100%.
HDHP - $2,500 annual individual deductible;
$5,000 annual family deductible; insurance pays 100% (10%
out of network differential)
The Yellowstone County Health Insurance plan does not
have annual open enrollment elections.
Please notify Human Resources with any family status changes
(i.e. birth, adoption, death, marriage, divorce or loss of
previous eligible insurance coverage). Addition of dependents
must be completed and received by Human Resources within 31
days of any status changes to become effective. (See "Special
Enrollment Period", page 43 of Group Benefits Plan.)
*Prescription Program (URx - Traditional and HDHP plans) Effective January 1, 2012
| Tier |
Teir Description |
Retail
(30-day supply) |
Mail Order
(90-day supply) |
Specialty
(30-day supply) |
| A |
Excellent level of value based on best medical evidence, best opportunity for improved health outcomes, and best overall net cost. |
$0 |
$0 |
|
| B |
High level of value based on medical evidence of outcomes and lower overall net cost. Includes generic and brand drugs compared to higher cost brand name counterparts. |
$15 |
$30 |
|
| C |
Good level of value based on fair medical evidence grading, but displaying higher overall net cost relative to generic or brand name drug counterparts. |
$40 |
$80 |
|
| D* |
Lower level of value based on evidence of outcomes relative to other clinical alternatives. Generally have much higher overall net costs. |
50% |
50% |
|
| F* |
These drugs have the lowest level of value (based on clinical evidence) or the highest overall net cost in relation to generic or other brand alternatives. |
100% |
100% |
|
| S |
Specialty drugs are defined as high cost prescription drugs that may require special handling. The preferred provider is Diplomat, please contact at 877-319-6337. |
|
|
$0 |
| S1 |
Specialty drugs are defined as high cost prescription drugs that may require special handling. The preferred provider is Diplomat, please contact at 877-319-6337. |
|
|
$150 |
*Co-pay amounts marked with an asterisk(*) do not count toward your annual out-of-pocket prescription maximum.
Traditional plan - Pharmaceutical Maximum Out-of-Pocket - $1,650 per calendar year-per person (2 persons - $3,300.00 family maximum). Asterisk(*) marked levels do not apply toward out-of-pocket max.
HDHP - now have first dollar coverage on certain preventative medications -- these medications are not subject to the deductible before they are covered, plan members will only need to pay the applicable co-pay/co-insurance for these medications. HDHP plan - Pharmaceutical Maximum Out-of-Pocket – Additional $1,650 per calendar year-per person after $2,500 deductible is met. (Family - $3,300.00) Asterisk (*) marked levels do not apply towards out-of-pocket max.
*Dental Insurance
(Blue Cross/Blue Shield)
$25 annual deductible per person; insurance pays 80%,
up to $2,400 per calendar year.
(70% of allowable costs if not a Preferred Provider doctor.)
$$ Premium Costs for Medical/Dental
$$
| |
Traditional Plan
($500/$1,500)
|
HDHP
($2,500/$5,000)
|
| Single - No cost to the employee |
$658 paid by County
$0 - Cost
|
$539.56 paid by County
$118.44 in employee HSA
($618 total paid by County)
|
| Spouse only |
$658 paid by County
$383
|
$658
$195.62
|
| 1 Child |
$658 paid by County
$239
|
$658 paid by County
$77.54
|
| 2 Children |
$658 paid by County
$478
|
$658 paid by County
$273.52
|
| Family (3+ children) |
$658 paid by County
$510
|
$658 paid by County
$299.76
|
| Part-time Single |
$364 paid by County
$294
|
$351.40 paid by County
$241.08 - $65.52 in employee HSA
|
*Life Insurance
(Unum Life Insurance Company)
($10,000 minimum to $50,000 maximum limit) Employer Paid
Beneficiary receives 100% of BAS (Base Annual Salary) rounded
up to the next 1,000. Includes AD&D benefits.
*Supplemental
Life Insurance - $150,000 max
limit. ($200,000 combination limit of basic & supplemental)
You may purchase supplemental life insurance with or without
the AD&D benefits for up to 3 times your BAS not to exceed
$150,000. The premium rate is based on the amount you wish to
purchase and your age rate. Dependent Life: Must have
supplemental life to purchase. Option 1: Spouse $5,000/Child
$2,500 for $1.55 per mo /family unit; Option 2: Spouse $20,000/Child
$10,000 for $6.20 per mo/family unit.
*Long Term Disability
- (Unum Insurance Company) Employer Paid
This coverage provides a monthly income to you, if you are disabled.
Monthly benefits of 60% of monthly pre-disability pay.
*Flexible Spending
Account (EBMS)
This is a tax-savings program that allows you to pay for insurance
premiums, medical expenses and childcare costs with PRE-TAX
dollars taken automatically from your paycheck. The program
renews each November for the next calendar year.
*Retirement Plan
Montana Public Employee Retirement Administration - http://mpera.mt.gov
*Vacation and
Sick Leave
Vacation -- You earn 10 hrs/month (3 wks/year) and are
eligible to take vacation after your 6-month probationary period
Sick leave - You earn 8 hrs/month (12 days/year) and
are eligible to use sick leave after 90 days
Donation Program - County employees may donate sick hours
to others in need. Complete details in Human Resources.
FMLA - Allows for up to 12 weeks leave to care for family
medical emergencies. Complete details in Human Resources.
This is simply a brief summary of the benefit
programs available. For a full description of benefits, please
refer to your plan booklets or contact Human Resources - 256-2737.
Updated March 2012.
