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2017 Health and Dental Insurance Information
What are the 2017 health plan designs?
High deductible HRA/VEBA (67 employees currently enrolled)
High deductible HSA (109 employees currently enrolled)
In 2015, the decision was made to eliminate the co-play plan for 2017. There are no
plan design changes to the HRA/VEBA or the HSA.
Annual Deductible – In Network
HRA/VEBA deductibles are $2,500 per person and $5,000 per family
HSA deductibles are $2,600 per person and $5,200 per family
Annual Out-of-Pocket Max – In Network
HRA/VEBA maximum is $3,500 per person and $6,000 per family
HSA maximum is $3,600 per person and $6,200 per family
The employee will pay an additional 20% of cost of care after the annual deductible is
met until they meet the out-of-pocket maximum.
Prescription Drugs – Formulary
HRA/VEBA requires a co-pay of $15 for generic, $30 for brand and $60 for non-
preferred drugs.
HSA does not include prescription drug coverage until after the deductible is met.
Cost share
The base plan (HSA) provides minimum essential coverage at the lowest cost; therefore
rates are determined off of this plan. Employer premiums are established by providing
100% of the single coverage and splitting the cost of the increase with employees for
the coverage tiers that include spouse and/or dependent. Once these employer dollar
values are established, they are applied to the HRA/VEBA plan.
What is the 2017 dental plan design?
The City contributes 100% of the cost for single coverage. Any additional costs for
dependents are paid by the employee. The plan provides up to $1,500 of coverage for
in-network expenses each as follows:
Diagnostic and preventive – paid at 100%
Basic services – paid at 80%
Crowns – paid at 50%