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

Anthem HRA Gold

  • Employee: $168.73
  • Employee + Spouse: $418.09
  • Employee + Child(ren): $307.13
  • Family: $556.50

Anthem HRA Silver

  • Employee: $110.89
  • Employee + Spouse: $296.62
  • Employee + Child(ren): $208.80
  • Family: $394.54

Anthem HRA Bronze

  • Employee: $72.45
  • Employee & Spouse: $215.91
  • Employee & Children: $143.46
  • Family: $286.92

Anthem HMO

  • Employee: $135.65
  • Employee & Spouse: $348.63
  • Employee & Children: $250.90
  • Family: $463.89

UHC HMO

  • Employee: $172.56
  • Employee & Spouse: $426.14
  • Employee & Children: $313.65
  • Family: $567.22

UHC HDHP

  • Employee: $58.03
  • Employee & Spouse: $185.62
  • Employee & Children: $118.94
  • Family: $246.54

TRICARE

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

Dental Insurance

2019 Dental - Base Plan

  • Employee: $30.76
  • Employee + Spouse: $49.66
  • Employee + Child(ren): $37.14
  • Family: $83.15

2019 Dental - Core Plan

  • Employee: $44.79
  • Employee + Spouse: $72.23
  • Employee + Child(ren): $53.99
  • Family: $120.93

2019 Dental - Buy-Up Plan

  • Employee: $50.34
  • Employee + Spouse: $80.72
  • Employee + Child(ren): $71.02
  • Family: $152.10

2020 Dental - Base Plan

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

2020 Dental - Core Plan

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

2020 Dental - Buy-Up Plan

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

Vision Insurance

2019 Vision

  • Employee: $7.79
  • Employee + Spouse: $12.98
  • Employee + Child(ren): $13.59
  • Family: $21.21

2020 Vision

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

Voluntary Life Insurance

2019 Voluntary Life - Employee (Sample Deductions)

  • $50,000 Benefit
  • Age - 25: $5.00
  • Age - 35: $7.00
  • Age - 45: $15.50
  • Age - 55: $38.00
  • $100,000 Benefit
  • Age - 25: $10.00
  • Age - 35: $14.00
  • Age - 45: $31.00
  • Age - 55: $76.00
  • $150,000 Benefit
  • Age - 25: $15.00
  • Age - 35: $21.00
  • Age - 45: $46.50
  • Age - 55: $114.00

2020 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 - Child (Actual Premium Deductions)

  • $10,000: $2.00
  • $20,000: $4.00

2019 Voluntary Life - Spouse (Sample Deductions)

  • $10,000 Benefit
  • Age - 25: $1.00
  • Age - 35: $1.40
  • Age - 45: $3.10
  • Age - 55: $7.60
  • $50,000 Benefit
  • Age - 25: $5.00
  • Age - 35: $7.00
  • Age - 45: $15.50
  • Age - 55: $38.00
  • $100,000 Benefit
  • Age - 25: $10.00
  • Age - 35: $14.00
  • Age - 45: $31.00
  • Age - 55: $76.00

2020 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

Universal Life

2020 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

2020 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

2019 Short Term Disability (Sample Deductions)

  • $10,000 Salary | $96.15 Week Benefit: $6.54
  • $20,000 Salary | $192.31 Week Benefit: $13.08
  • $40,000 Salary | $384.62 Week Benefit: $26.15
  • $50,000 Salary | $480.77 Week Benefit: $32.69
  • $70,000 Salary | $673.08 Week Benefit: $45.77

2020 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

2019 Long Term Disability - 50% Benefit at Age 45 (Sample Deductions)

  • $10,000 Salary | $416.67 Month Benefit: $12.17
  • $20,000 Salary | $833.33 Month Benefit: $24.33
  • $40,000 Salary | $1,666.67 Month Benefit: $48.67
  • $50,000 Salary | $2,083.33 Month Benefit: $60.83
  • $70,000 Salary | $2,916.67 Month Benefit: $85.17

2020 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

2020 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

2020 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

2020 Accident

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

Hospital Indemnity

2020 Hospital Indemnity

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

Group Legal

2019 Group Legal

  • Family Coverage: $18.00

2020 Group Legal

  • Family Coverage: $18.25

Identity Theft

2020 Identity Theft

  • Employee Only: $9.95
  • Family: $17.95