Appendix_H_-_Active_Employee_and_Retiree_Health_Rates.pdf
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- Attached to
- RFP for Claims Administration for the Self-Insured Preferred Provider Organization (PPO) Health Plans
- Solicitation number
- 017-202403-MC
- Issued by
- Orange County, San Francisco City, California
About this file
This document is a 2024 Employee and Retiree Health Plan Rate Table for the County of Orange Human Resource Services, Employee Benefits Department, detailing monthly and biweekly premium rates and employee cost deductions across five health plan options. The rate schedules are organized by employee classification (full-time and part-time active employees, non-Medicare retirees, and Medicare-enrolled retirees) and enrollment status (employee only, employee with one dependent, and employee with two or more dependents), with separate rate tiers reflecting wellness program participation for active employees. The five health plans presented are Kaiser Choice, Cigna Choice, Cigna Select, Wellwise Choice, and Sharewell Choice, with monthly rates for full-time employees ranging from $667.28 to $1,050.84 for employee-only coverage and extending to $2,627.10 for employee coverage with two or more dependents. Retiree rates are similarly stratified, with non-Medicare retirees paying monthly premiums between $800.74 and $1,261.00 for retiree-only coverage, while Medicare-enrolled retirees face substantially lower premium obligations ranging from $189.60 to $698.15 depending on Medicare part enrollment status and plan selection.
The rate structure demonstrates the County's cost-sharing arrangement between the employer and employees, with county contributions and employee biweekly deductions clearly itemized for comparative analysis. Notably, the Sharewell Choice plan provides county pay credits rather than traditional employee deductions, resulting in negative employee cost deductions for certain enrollment tiers. The rates are effective for pay periods beginning January 1, 2024, reflecting a wellness participation incentive model wherein employees engaging in designated wellness activities receive reduced premium contributions. These rates align with the County's self-insured PPO health plan structure for approximately 5,600 active employees and retirees, and the data supports the claims administration requirements outlined in the related RFP, which anticipates medical expenditures of approximately $52.7 million annually across the four primary self-insured health plans.
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FULL TIME EMPLOYEES
HEALTH PLAN AND 2024 MONTHLY EMPLOYEE MONTHLY EMPLOYEE
ENROLLMENT STATUS MONTHLY COUNTY BIWEEKLY COUNTY BIWEEKLY
RATE COST DEDUCTION COST DEDUCTION
KAISER CHOICE
EMPLOYEE ONLY $745.84 $673.59 $33.35 $384.59 $166.73
EMPLOYEE / 1 DEPENDENT $1,491.68 $1,130.43 $166.73 $588.55 $416.83
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,110.72 $1,599.55 $235.92 $832.80 $589.81
CIGNA CHOICE
EMPLOYEE ONLY $925.75 $834.01 $42.34 $467.06 $211.70
EMPLOYEE / 1 DEPENDENT $1,829.70 $1,376.41 $209.21 $696.48 $523.02
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,545.88 $1,915.17 $291.10 $969.10 $727.74
CIGNA SELECT
EMPLOYEE ONLY $771.55 $695.09 $35.29 $389.27 $176.44
EMPLOYEE / 1 DEPENDENT $1,524.94 $1,147.08 $174.39 $580.30 $435.98
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,121.83 $1,596.01 $242.69 $807.28 $606.72
WELLWISE CHOICE
EMPLOYEE ONLY $1,050.84 $943.66 $49.47 $514.94 $247.34
EMPLOYEE / 1 DEPENDENT $1,944.05 $1,448.35 $228.79 $704.79 $571.97
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,627.10 $1,957.23 $309.17 $952.41 $772.93
SHAREWELL CHOICE*
EMPLOYEE ONLY $667.28 $742.81 ($34.86) $667.28 $0.00
EMPLOYEE / 1 DEPENDENT $1,167.70 $1,232.88 ($30.08) $698.80 $216.42
EMPLOYEE W/TWO OR MORE DEPENDENTS $1,534.74 $1,588.95 ($25.02) $918.44 $284.44
* County cost includes Sharewell credits (bi-weekly pay credits instead of deductions) (Effective every pay period beginning with pay period 01 2024, 12/15/2023)
2024 EMPLOYEE HEALTH PLAN RATE TABLES
With Wellness Participation
PART TIME EMPLOYEES
HRSKNguyen Stamp
FULL TIME EMPLOYEES
HEALTH PLAN AND 2024 MONTHLY EMPLOYEE MONTHLY EMPLOYEE
ENROLLMENT STATUS MONTHLY COUNTY BIWEEKLY COUNTY BIWEEKLY
RATE COST DEDUCTION COST DEDUCTION
KAISER CHOICE
EMPLOYEE ONLY $745.84 $637.47 $50.02 $348.47 $183.41
EMPLOYEE / 1 DEPENDENT $1,491.68 $1,058.18 $200.08 $516.30 $450.18
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,110.72 $1,497.32 $283.11 $730.56 $637.00
CIGNA CHOICE
EMPLOYEE ONLY $925.75 $788.14 $63.51 $421.19 $232.87
EMPLOYEE / 1 DEPENDENT $1,829.70 $1,285.75 $251.05 $605.83 $564.86
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,545.88 $1,789.02 $349.32 $842.96 $785.96
CIGNA SELECT
EMPLOYEE ONLY $771.55 $656.87 $52.93 $351.04 $194.08
EMPLOYEE / 1 DEPENDENT $1,524.94 $1,071.51 $209.27 $504.73 $470.86
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,121.83 $1,490.84 $291.22 $702.11 $655.25
WELLWISE CHOICE
EMPLOYEE ONLY $1,050.84 $890.07 $74.20 $461.35 $272.07
EMPLOYEE / 1 DEPENDENT $1,944.05 $1,349.21 $274.55 $605.64 $617.73
EMPLOYEE W/TWO OR MORE DEPENDENTS $2,627.10 $1,823.25 $371.01 $818.44 $834.77
SHAREWELL CHOICE*
EMPLOYEE ONLY $667.28 $742.81 ($34.86) $667.28 $0.00
EMPLOYEE / 1 DEPENDENT $1,167.70 $1,232.88 ($30.08) $698.80 $216.42
EMPLOYEE W/TWO OR MORE DEPENDENTS $1,534.74 $1,588.95 ($25.02) $918.44 $284.44
* County cost includes Sharewell credits (bi-weekly pay credits instead of deductions) (Effective every pay period beginning with pay period 01 2024, 12/15/2023)
Without Wellness Participation
PART TIME EMPLOYEES
2024 EMPLOYEE HEALTH PLAN RATE TABLES
HRSKNguyen Stamp
RETIREE Cigna Choice Cigna Select Kaiser Sharewell Wellwise ENROLLMENT STATUS Retiree HMO Retiree HMO Retiree HMO Retiree PPO Retiree PPO
Plan Plan Plan Plan Plan
Retiree Only $1,110.90 $925.86 $894.66 $800.74 $1,261.00 Retiree W/1 Dependent $2,195.64 $1,829.92 $1,789.33 $1,401.24 $2,332.87 Retiree W/2 or More Dependents $3,055.05 $2,546.19 $2,531.86 $1,841.69 $3,152.52
HMO Plans PPO Plans
2024 Retiree Health Plan Rate Table
RETIREES NOT ENROLLED IN MEDICARE
2024 Retiree Health Plan RateTable
RETIREES ENROLLED IN MEDICARE
MEDICARE ADVANTAGE PLANS
PPO Plan HMO Plans PPO Plans
RETIREE Humana Retiree Kaiser SCAN Retiree Sharewell Wellwise Retiree ENROLLMENT STATUS Medicare PPO Sr Advantage HMO Medicare HMO Retiree PPO Medicare PPO
Plan Plan Plan Plan Plan
RETIREE ONLY
Retiree Only - Part B Only $698.15 $497.03 NA $537.23 $810.78 Retiree Only - Part A & B $189.60 $228.00 $275.00 $324.33 $579.69
RETIREE W/1 DEPENDENT
Two W/ Medicare Part B Only $1,396.30 $994.06 NA $1,074.46 $1,621.56 Two W/ Medicare Part A & B $379.20 $456.00 $550.00 $648.66 $1,159.38
RETIREE W/2 DEPENDENTS
Three W/ Medicare Part B Only $2,094.45 $1,491.09 NA $1,611.69 $2,432.34 Three W/ Medicare Part A & B $568.80 $684.00 $825.00 $972.99 $1,739.07
NOTE: To be eligible for County of Orange Medicare Health Plans, retirees and/or their dependents age 65 or older must enroll in Medicare Part B. Retirees and/or dependents also must enroll in Medicare Part A if available at no cost. Evidence of Medicare coverage is required to be submitted upon County's request.
| 03a_2024 Active Employee Rate Table.pdf |
| 03b_2024 Non-Medicare Retiree Rate Table.pdf |
| 03c_2024 Medicare Retiree Rate Table.pdf |
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