Benefits Rates
The rates for all benefits are based on the elected plan and coverage level. The monthly rates for 2025 are as follows:
Medical
Rates
| Tier |
PPO Standard |
PPO Wellbeing* |
HDHP Standard |
HDHP Wellbeing* |
| Employee |
$233 |
$183 |
$124 |
$74 |
| Employee + Spouse** |
$431 |
$381 |
$210 |
$160 |
| Employee + Child(ren) |
$400 |
$350 |
$189 |
$139 |
| Family** |
$649 |
$599 |
$297 |
$247 |
*The $50 monthly wellbeing incentive is applied for employees who completed the wellbeing rate requirements.
**If the spouse has access to medical insurance through their own employer, a $400 monthly spousal surcharge is assessed on top of the monthly premium.
Dental
Rates
| Tier |
Core |
Enhanced |
| Employee |
$26.36 |
$33.39 |
| Employee + 1 |
$50.79 |
$64.19 |
| Family |
$89.55 |
$113.07 |
Vision
Rates
| Tier |
Premium |
| Employee |
$5.53 |
| Employee + 1 |
$10.10 |
| Family |
$15.36 |
Basic Life and AD&D and Long Term Disability
Employer paid; no cost to the employee.
Voluntary Life and AD&D
Rates
| Age Band |
Per $1,000 |
| <25 |
$0.07 |
| 25-29 |
$0.07 |
| 30-34 |
$0.10 |
| 35-39 |
$0.11 |
| 40-44 |
$0.12 |
| 45-49 |
$0.18 |
| 50-54 |
$0.29 |
| 55-59 |
$0.46 |
| 60-64 |
$0.70 |
| 65-69 |
$1.29 |
| 70-74 |
$2.08 |
| 75+ |
$4.01 |
| Child Life/AD&D |
$0.17 |
Accident
Rates
| Tier |
Low |
Mid |
High |
| Employee |
$8.82 |
$16.66 |
$24.64 |
| Employee + Spouse |
$15.02 |
$28.42 |
$42.08 |
| Employee + Child(Oren) |
$15.28 |
$28.90 |
$42.80 |
| Family |
$20.62 |
$39.00 |
$57.78 |
Critical Illness
Rates are listed in BenefitFocus and are based on age and level of coverage.