Rates
Rate Information
All rates shown below are monthly deduction amounts. Effingham County Schools contributes $1,195 per employee per month (Classified) and $1,580 per employee per month (Certified) towards your medical coverage. Note: The employee rates are the same for each classification regardless of the employer portion.
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
2023 Anthem HRA Gold
- Employee: $175.68
- Employee + Spouse: $436.33
- Employee + Child(ren): $320.11
- Family: $580.76
2023 Anthem HRA Silver
- Employee: $114.32
- Employee + Spouse: $307.47
- Employee + Child(ren): $215.80
- Family: $408.95
2023 Anthem HRA Bronze
- Employee: $76.58
- Employee + Spouse: $228.22
- Employee + Child(ren): $151.64
- Family: $303.28
2023 Anthem HMO
- Employee: $143.03
- Employee + Spouse: $367.76
- Employee + Child(ren): $264.61
- Family: $489.34
2023 UHC HMO
- Employee: $174.49
- Employee + Spouse: $433.83
- Employee + Child(ren): $318.09
- Family: $577.43
2023 UHC HDHP
- Employee: $61.83
- Employee + Spouse: $197.24
- Employee + Child(ren): $126.57
- Family: $261.98
2024 Anthem HRA Gold
- Employee: $188.56
- Employee + Spouse: $464.72
- Employee + Child(ren): $343.04
- Family: $619.20
2024 Anthem HRA Silver
- Employee: $125.19
- Employee + Spouse: $331.65
- Employee + Child(ren): $235.32
- Family: $441.78
2024 Anthem HRA Bronze
- Employee: $77.69
- Employee + Spouse: $231.90
- Employee + Child(ren): $154.57
- Family: $308.78
2024 Anthem HMO
- Employee: $148.53
- Employee + Spouse: $380.66
- Employee + Child(ren): $274.99
- Family: $507.12
2024 UHC HMO
- Employee: $177.91
- Employee + Spouse: $442.36
- Employee + Child(ren): $324.94
- Family: $589.39
2024 UHC HDHP
- Employee: $63.36
- Employee + Spouse: $201.80
- Employee + Child(ren): $130.20
- Family: $268.64
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
2023 Vision
- Employee: $8.02
- Employee + Spouse: $13.37
- Employee + Child(ren): $14.00
- Family: $21.85
2024 Vision
- Employee: $8.82
- Employee + Spouse: $14.71
- Employee + Child(ren): $15.40
- Family: $24.04
Voluntary Life Insurance
Voluntary Life - Employee (Sample Premiums)
- $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 Premiums)
- $10,000 Benefit
- Age - 25: $6.00
- Age - 35: $9.40
- Age - 45: $24.90
- Age - 55: $66.00
- $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 Premiums)
- $10,000: $2.00
- $20,000: $4.00
Universal Life
Universal Life (Sample Premium - $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 Premium - $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
2023 Short Term Disability (Sample Premiums)
- $10,000 Salary | Week Benefit $96.15: $4.65
- $20,000 Salary | Week Benefit $192.31: $9.31
- $40,000 Salary | Week Benefit $384.62: $18.62
- $50,000 Salary | Week Benefit $480.77: $23.27
- $70,000 Salary | Week Benefit $673.08: $32.58
Long Term Disability - 50% Benefit at Age 45 (Sample Premiums)
- $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
