Employee Insurance

Signing Up for Health Insurance

The State Health Plan provides you and your dependents with valuable medical coverage when needed.

• You can sign up for health insurance when your job includes benefits
• Health insurance coverage generally starts the first of the month following the date of hire (for example, if your first day of work is February 15, your insurance starts March 1)
• You pay monthly premiums out of your paycheck, pre-tax
• The Town offers a choice among two plans:
• a traditional PPO Standard Plan option
• a high deductible Savings Plan
• Comparing the 2024 Standard Plan and Savings Plan
• You also have out-of-pocket costs (copays and deductibles)
• Plans cover health care and prescription drugs

Premiums and Costs

2024 Monthly Medical Insurance Rates

Level of Coverage	Savings Plan	Standard Plan
Employee Only	0	0
Employee + Spouse	0	155.68
Employee + Children	0	46.18
Family	15.32	208.88

Signing Up for Dental Insurance

The State Dental Plan offers coverage for a variety of services at a reasonable cost.

• The Town offers a choice among two plans:

  • Basic Dental Plan
  • Dental Plus
• Services include diagnostic & preventative, basic (fillings, extractions, etc.), prosthetics (crowns, bridges, etc.) and orthodontics
• You can sign up for dental insurance when your job includes benefits
• Dental insurance coverage generally starts the first of the month following the date of hire (for example, if your first day of work is February 15, your insurance starts March 1)
• You pay monthly premiums out of your paycheck, pre-tax

Basic Dental Plan

The Basic Dental Plan offers coverage for a variety of services at a reasonable cost.

• Basic Dental pays less and has lower premiums and higher out-of-pocket costs
• There is no network for Basic Dental; therefore, providers can charge you for the difference between their cost and the allowed amount

Dental Plus

Dental Plus pays more and has higher premiums and lower out-of-pocket costs.

• Network providers cannot charge you for the difference in their cost and the allowed amount.
• Comparing Dental Plus and Basic Dental

Premiums and Costs

2024 Monthly Dental Insurance Rates

Level of Coverage	Dental Plan	Dental Plus
Employee Only	0	28.80
Employee + Spouse	7.64	65.88
Employee + Children	13.72	80.92
Family	21.34	108.64

State Vision Plan

Provided through EyeMed Vision Care and offers coverage for eye exams, eyeglasses and contact lenses.

• You pay monthly premiums out of your paycheck, pre-tax
• $10 copay for a comprehensive eye exam once a year
• $150 allowance for any frame, with a 20% discount on the balance over $150
• $10 copay on standard lenses and fixed pricing on premium options
• $130 allowance for conventional and disposable contact lenses, instead of eyeglass lenses
• You may choose to use a network or non-network provider for your vision needs. Using a non-network provider may result in you paying more for covered services.

Premiums and Costs

2024 Monthly Vision Insurance Rates

Level of Coverage	State Vision Plan (EyeMed)
Employee Only	6.30
Employee + Spouse	12.60
Employee + Children	13.54
Family	19.84

Basic Life Insurance

• We offer a life insurance benefit equal to one times base salary at no cost
• Policy pays an additional benefit equal to annual salary in the case of accidental death

Optional Life Insurance

• New hires may add additional coverage in $10,000 increments up to three times your basic annual earnings or $500,000, whichever is less, without providing medical evidence of good health
• Current employees may request additional coverage during annual enrollment or within 31 days of a special eligibility situation (Evidence of good health may be required for the increase approval)
• Premiums may be paid on a pre-tax basis

Dependent Life Insurance

You may enroll in the Dependent Life Insurance Plan for your eligible dependents even if you do not have Optional Life coverage or other State Plan group benefits.

• Spouse Coverage:
• Can be covered for $10,000 or $20,000 even if the employee does not enroll in Optional Life Insurance
• If the employee elects Optional life coverage, his/her spouse may be covered up to 50% of the Optional Life coverage amount or a maximum of $100,000, whichever is less
• Rates are based on the spouse's age
• Children Coverage:
• Coverage for children is $15,000 at a monthly premium of $1.26
• The employee pays only $1.26 per month regardless of the number of children covered

You can help maximize the money in your paycheck by participating in the MoneyPlus pre-tax flexible benefits program.

MoneyPlu$ saves you money on eligible medical and dependent care costs by enabling you to pay these expenses with funds deducted from your salary before it is taxed.

• Pre-tax Group Insurance Premiums
• Pre-tax Medical Spending Account
• Pre-tax Dependent Care Spending Account
• Pre-tax Health Savings Account

Because these accounts offer significant tax savings, they are governed by strict rules regarding contributions and use of funds.