Rates

Rate Information

All rates shown below are monthly deduction amounts. Effingham County Schools contributes $1,580 per employee per month (Classified) and $1,760 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 specific premiums can be found on the enrollment portal or by calling the Benefits Service Center.

Health Insurance - Medical Premiums

Anthem HRA Gold

Employee: $194.67
Employee + Spouse: $482.76
Employee + Child(ren): $355.26
Family: $643.35

Anthem HRA Silver

Employee: $131.17
Employee + Spouse: $349.41
Employee + Child(ren): $247.31
Family: $465.55

Anthem HRA Bronze

Employee: $82.67
Employee + Spouse: $247.56
Employee + Child(ren): $164.86
Family: $329.75

Anthem HMO

Employee: $157.53
Employee + Spouse: $404.77
Employee + Child(ren): $292.12
Family: $539.36

UHC HMO

Employee: $196.58
Employee + Spouse: $486.77
Employee + Child(ren): $358.50
Family: $648.69

UHC HDHP

Employee: $72.69
Employee + Spouse: $226.60
Employee + Child(ren): $147.89
Family: $301.80

TRICARE

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

Dental Insurance

Dental - Base Plan

Employee: $32.26
Employee + Spouse: $52.67
Employee + Child(ren): $39.39
Family: $88.19

Dental - Core Plan

Employee: $47.51
Employee + Spouse: $76.61
Employee + Child(ren): $57.26
Family: $128.27

Dental - Buy-Up Plan

Employee: $60.67
Employee + Spouse: $97.29
Employee + Child(ren): $85.59
Family: $183.30

Vision Insurance

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: $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 Premiums)

$10,000: $1.90
$20,000: $3.80

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

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:
$13.97
$20,000 Salary | Month Benefit $833.33:
$27.93
$40,000 Salary | Month Benefit $1,666.67:
$55.87
$50,000 Salary | Month Benefit $2,083.33:
$69.83
$70,000 Salary | Month Benefit $2,916.67:
$97.77

Critical Illness

Critical Illness - Employee

$5,000 Coverage
Age 35: $2.45
Age 45: $4.75
Age 55: $8.50
$10,000 Coverage
Age 35: $4.90
Age 45: $9.50
Age 55: $17.00

Critical Illness - Spouse

$5,000 Coverage
Age 35: $2.75
Age 45: $5.05
Age 55: $8.80
$10,000 Coverage
Age 35: $5.50
Age 45: $10.10
Age 55: $17.60

Accident

Accident

Employee: $8.63
Employee + Spouse: $14.75
Employee + Child(ren): $17.73
Family: $23.85

Hospital Indemnity

Hospital Indemnity

Employee: $21.92
Employee + Spouse: $38.71
Employee + Child(ren): $33.02
Family: $49.81

Group Legal

Group Legal

Family Coverage: $18.25

Identity Theft

Identity Theft

Employee Only: $9.95
Family: $17.95