Rates

Rate Information


All rates shown below are monthly deduction amounts. Effingham County Schools contributes $945 per employee per month, or $11,340 per employee per year towards medical coverage. 

Important Notes


  • Voluntary life rates for employee and spouse coverage are sample premiums. 
  • Disability rates are sample premiums.  Your actual monthly deduction is based on plan election, salary, and age. 

 

Your actual premiums can be found on the enrollment portal or by calling the Benefits Service Center.

Health Insurance - Medical Premiums

2021 Anthem HRA Gold

  • Employee: $175.68
  • Employee + Spouse: $436.33
  • Employee + Child(ren): $320.11
  • Family: $580.76

2021 Anthem HRA Silver

  • Employee: $114.32
  • Employee + Spouse: $307.47
  • Employee + Child(ren): $215.80
  • Family: $408.95

2021 Anthem HRA Bronze

  • Employee: $76.58
  • Employee + Spouse: $228.22
  • Employee + Child(ren): $151.64
  • Family: $303.28

2021 Anthem HMO

  • Employee: $143.03
  • Employee + Spouse: $367.76
  • Employee + Child(ren): $264.61
  • Family: $489.34

2021 UHC HMO

  • Employee: $174.49
  • Employee + Spouse: $433.83
  • Employee + Child(ren): $318.09
  • Family: $577.43

2021 UHC HDHP

  • Employee: $61.83
  • Employee + Spouse: $197.24
  • Employee + Child(ren): $126.57
  • Family: $261.98

TRICARE

  • Employee: $60.50
  • Employee + Spouse or Child(ren): $119.50
  • Family: $160.50

Dental Insurance

Dental - Base Plan

  • Employee: $33.30
  • Employee + Spouse: $53.76
  • Employee + Child(ren): $40.20
  • Family: $90.01

Dental - Core Plan

  • Employee: $48.49
  • Employee + Spouse: $78.19
  • Employee + Child(ren): $58.44
  • Family: $130.91

Dental - Buy-Up Plan

  • Employee: $61.92
  • Employee + Spouse: $99.29
  • Employee + Child(ren): $87.35
  • Family: $187.08

Vision Insurance

Vision

  • Employee: $8.02
  • Employee + Spouse: $13.37
  • Employee + Child(ren): $14.00
  • Family: $21.85

Voluntary Life Insurance

Voluntary Life - Employee (Sample Deductions)

  • $50,000 Benefit
  • Age - 25: $3.00
  • Age - 35: $4.70
  • Age - 45: $12.45
  • Age - 55: $33.00
  • $100,000 Benefit
  • Age - 25: $6.00
  • Age - 35: $9.40
  • Age - 45: $24.90
  • Age - 55: $66.00
  • $150,000 Benefit
  • Age - 25: $9.00
  • Age - 35: $14.10
  • Age - 45: $37.35
  • Age - 55: $99.00

Voluntary Life - Spouse (Sample Deductions)

  • $10,000 Benefit
  • Age - 25: $0.60
  • Age - 35: $0.94
  • Age - 45: $2.49
  • Age - 55: $6.60
  • $50,000 Benefit
  • Age - 25: $3.00
  • Age - 35: $4.70
  • Age - 45: $12.45
  • Age - 55: $33.00
  • $100,000 Benefit
  • Age - 25: $6.00
  • Age - 35: $9.40
  • Age - 45: $24.90
  • Age - 55: $66.00

Voluntary Life - Child (Actual Premium Deductions)

  • $10,000: $2.00
  • $20,000: $4.00

Universal Life

Universal Life (Sample Deduction - $25,000)

  • Universal Life - Female Non-Smoker Age 45
  • Approximate Monthly Premium: $37.53
  • Approximate Cash Value at Age 65: $5,380
  • Death Benefit at Age 45: $25,000
  • Death Benefit at Age 75: $25,000
  • Maximum Long Term Care Benefit: N/A

Universal LifeEvents with Long Term Care (Sample Deduction - $25,000)

  • Universal LifeEvents with Long Term Care - Female Non-Smoker Age 45
  • Approximate Monthly Premium: $27.39
  • Approximate Cash Value at Age 65: $1,745
  • Death Benefit at Age 45: $25,000
  • Death Benefit at Age 75: $8,333
  • Maximum Long Term Care Benefit: $25,000

Disability Insurance

Short Term Disability (Sample Deductions)

  • $10,000 Salary | Week Benefit $96.15: $5.67
  • $20,000 Salary | Week Benefit $192.31: $11.35
  • $40,000 Salary | Week Benefit $384.62: $22.69
  • $50,000 Salary | Week Benefit $480.77: $28.37
  • $70,000 Salary | Week Benefit $673.08: $39.71

Long Term Disability - 50% Benefit at Age 45 (Sample Deductions)

  • $10,000 Salary | Month Benefit $416.67: $11.99
  • $20,000 Salary | Month Benefit $833.33: $23.98
  • $40,000 Salary | Month Benefit $1,666.67: $47.97
  • $50,000 Salary | Month Benefit $2,083.33: $59.96
  • $70,000 Salary | Month Benefit $2,916.67: $83.94

Critical Illness

Critical Illness - Employee

  • $5,000 Coverage
  • Age 35: $3.40
  • Age 45: $5.70
  • Age 55: $9.45
  • $10,000 Coverage
  • Age 35: $5.55
  • Age 45: $10.15
  • Age 55: $17.65

Critical Illness - Spouse

  • $5,000 Coverage
  • Age 35: $3.40
  • Age 45: $5.70
  • Age 55: $9.45
  • $10,000 Coverage
  • Age 35: $5.55
  • Age 45: $10.15
  • Age 55: $17.65

Accident

Accident

  • Employee: $9.63
  • Employee + Spouse: $15.75
  • Family (1 Parent): $18.73
  • Family (2 Parent): $24.85

Hospital Indemnity

Hospital Indemnity

  • Employee: $23.92
  • Employee + Spouse: $40.71
  • Employee + Child(ren): $35.02
  • Family: $51.81

Group Legal

Group Legal

  • Family Coverage: $18.25

Identity Theft

Identity Theft

  • Employee Only: $9.95
  • Family: $17.95