2025 Monthly Premiums - Comprehensive incl COBRA DRAFT.xlsx
XLSX spreadsheet 155 KB Posted
- Attached to
- RFP Insurance Agent Services
- Solicitation number
- S-C00040-00013116
- Issued by
- Benton County, Oregon
About this file
The document is a 2025 Monthly Premiums rate sheet for Benton County, Oregon, covering comprehensive insurance coverage including medical, dental, and vision plans for various employee classification groups (CCLEA, FOPPO, AFSCME, ONA, Unrepresented, and Elected employees). The rate sheet details premium costs for different coverage tiers including Employee Only, Employee+1 Child, Employee+Children, Employee+Spouse, and Employee+Family across two plan types: HDHP 4 and PPO Copay H, with specific breakdowns of total premiums, county shares, and employee contributions for medical, dental, and vision services.
The premium structure demonstrates complex cost-sharing arrangements, with county medical/vision share capped at 90% of HDHP-4 premiums and dental coverage contributions varying based on plan selection. Rates range from $699.91 to $2,053.35 for total premiums depending on coverage tier and plan type, with employee contributions ranging from $54.82 to $209.16. The document includes nuanced details about bundling options, COBRA rates, and specific percentage contributions for different employee groups, indicating a comprehensive and structured approach to employee health benefits that balances county and employee financial responsibilities.
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Rate Sheet
| 2025 COST OF COVERAGE | CCLEA, FOPPO | ALL OTHERS (AFSCME, ONA, Unrepresented, Elected) | ||||||||||||||||
| Total Premiums | County Share | Employee Share | Employee Share | |||||||||||||||
| Total Medical Premium | COBRA rates | Total Dental II | COBRA | Total Dental III | COBRA | County Medical Share*** | County Dental Share* | Medical & Dental II (bundled) | Medical Only | Dental II Only** | Medical & Dental III* (bundled) | Medical Only* | Dental III Only** | |||||
| HDHP 4 Med/Rx/VSP | ||||||||||||||||||
| Employee Only | $699.91 | $713.91 | $54.82 | $55.92 | $68.12 | $69.48 | $629.92 | $49.34 | $75.47 | $69.99 | $5.48 | $88.77 | $69.99 | $6.81 | 86.32 | 2.76% | 72.32 | 4.18% |
| Employee+1 Child | $1,302.72 | $1,328.77 | $110.20 | $112.40 | $136.91 | $139.65 | $1,172.45 | $99.18 | $141.29 | $130.27 | $11.02 | $168.00 | $130.27 | $13.69 | 163.58 | 2.63% | 135.46 | 4.13% |
| Employee+Children | $1,780.24 | $1,815.84 | $110.20 | $112.40 | $136.91 | $139.65 | $1,602.22 | $99.18 | $189.04 | $178.02 | $11.02 | $215.75 | $178.02 | $13.69 | 208.97 | 3.14% | 180.85 | 4.33% |
| Employee+Spouse | $1,488.98 | $1,518.76 | $108.54 | $110.71 | $134.88 | $137.58 | $1,340.08 | $97.69 | $159.75 | $148.90 | $10.85 | $186.09 | $148.90 | $13.49 | 180.73 | 2.88% | 153 | 4.23% |
| Employee+Family | $2,053.35 | $2,094.42 | $168.09 | $171.45 | $209.16 | $213.34 | $1,848.02 | $151.28 | $222.14 | $205.34 | $16.81 | $263.21 | $205.34 | $20.92 | 256.13 | 2.69% | 212.9 | 4.16% |
| PPO Copay H Med/Rx/VSP *** | ||||||||||||||||||
| Employee Only | $743.22 | $758.08 | $54.82 | $55.92 | $68.12 | $69.48 | $629.92 | $49.34 | $118.78 | $113.30 | $5.48 | $132.08 | $113.30 | $6.81 | 127.5 | 3.47% | 113.5 | 4.45% |
| Employee+1 Child | $1,378.29 | $1,405.86 | $110.20 | $112.40 | $136.91 | $139.65 | $1,172.45 | $99.18 | $216.86 | $205.84 | $11.02 | $243.57 | $205.84 | $13.69 | 235.46 | 3.33% | 207.34 | 4.39% |
| Employee+Children | $1,842.31 | $1,879.16 | $110.20 | $112.40 | $136.91 | $139.65 | $1,602.22 | $99.18 | $251.11 | $240.09 | $11.02 | $277.82 | $240.09 | $13.69 | 268.24 | 3.45% | 240.12 | 4.38% |
| Employee+Spouse | $1,575.31 | $1,606.82 | $108.54 | $110.71 | $134.88 | $137.58 | $1,340.08 | $97.69 | $246.08 | $235.23 | $10.85 | $272.42 | $235.23 | $13.49 | 262.84 | 3.52% | 235.11 | 4.46% |
| Employee+Family | $2,124.91 | $2,167.41 | $168.09 | $171.45 | $209.16 | $213.34 | $1,848.02 | $151.28 | $293.70 | $276.90 | $16.81 | $334.77 | $276.90 | $20.92 | 324.48 | 3.07% | 281.25 | 4.24% |
| * When bundling medical/vision with the Dental III plan, the county’s premium contribution is capped at 90% of the Dental II premium. Example: For an employee electing individual medical/vision with Dental III, the county’s contribution will not exceed $51.94. The employee is then responsible for the difference. |
| ** When medical is waived but dental coverage taken, the county covers 90% of the dental-only premium. |
| *** County share of medical/vision coverage is capped at 90% of the HDHP-4 premiums. |
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