Rates

Rate Information

All rates shown below are monthly deduction amounts. Baldwin County Schools contributes a significant amount each month towards medical coverage.

Important Notes

Voluntary life rates for employee and spouse coverage are sample premiums.
Disability rates are sample premiums. Your actual monthly deduction is based on plan election, salary, and age.

Your actual premiums can be found on the enrollment portal or by calling the Benefits Service Center.

Health Insurance - Medical Premiums

2023 Anthem HRA Gold

Employee: $175.68
Employee + Spouse: $436.33
Employee + Child(ren): $320.11
Family: $580.76

2023 Anthem HRA Silver

Employee: $114.32
Employee + Spouse: $307.47
Employee + Child(ren): $215.80
Family: $408.95

2023 Anthem HRA Bronze

Employee: $76.58
Employee + Spouse: $228.22
Employee + Child(ren): $151.64
Family: $303.28

2023 Anthem HMO

Employee: $143.03
Employee + Spouse: $367.76
Employee + Child(ren): $264.61
Family: $489.34

2023 UHC HMO

Employee: $174.49
Employee + Spouse: $433.83
Employee + Child(ren): $318.09
Family: $577.43

2023 UHC HDHP

Employee: $61.83
Employee + Spouse: $197.24
Employee + Child(ren): $126.57
Family: $261.98

2024 Anthem HRA Gold

Employee: $188.56
Employee + Spouse: $464.72
Employee + Child(ren): $343.04
Family: $619.20

2024 Anthem HRA Silver

Employee: $125.19
Employee + Spouse: $331.65
Employee + Child(ren): $235.32
Family: $441.78

2024 Anthem HRA Bronze

Employee: $77.69
Employee + Spouse: $231.90
Employee + Child(ren): $154.57
Family: $308.78

2024 Anthem HMO

Employee: $148.53
Employee + Spouse: $380.66
Employee + Child(ren): $274.99
Family: $507.12

2024 UHC HMO

Employee: $177.91
Employee + Spouse: $442.36
Employee + Child(ren): $324.94
Family: $589.39

2024 UHC HDHP

Employee: $63.36
Employee + Spouse: $201.80
Employee + Child(ren): $130.20
Family: $268.64

TRICARE

Employee: $60.50
Employee + Spouse or Child(ren): $119.50
Family: $160.50

Dental Insurance

2023 Dental - Standard Plan

Employee: $27.73
Employee + Spouse: $54.04
Employee + Child(ren): $56.65
Family: $79.40

2023 Dental - Premium Plan

Employee: $44.48
Employee + Spouse: $87.10
Employee + Child(ren): $91.36
Family: $128.22

2024 Dental - Standard Plan

Employee: $29.39
Employee + Spouse: $57.28
Employee + Child(ren): $60.05
Family: $84.16

2024 Dental - Premium Plan

Employee: $47.15
Employee + Spouse: $92.33
Employee + Child(ren): $96.84
Family: $135.91

Vision Insurance

Vision - Standard Plan

Employee: $5.39
Employee + Spouse: $11.47
Employee + Child(ren): $12.01
Family: $16.23

Vision - Premium Plan

Employee: $9.31
Employee + Spouse: $20.45
Employee + Child(ren): $21.40
Family: $29.17

Voluntary Life Insurance

Voluntary Life - Employee (Sample Premiums)

$30,000 Benefit
Age - 25: $1.20
Age - 35: $2.10
Age - 45: $3.90
Age - 55: $9.60
$50,000 Benefit
Age - 25: $2.00
Age - 35: $3.50
Age - 45: $6.50
Age - 55: $16.00
$100,000 Benefit
Age - 25: $4.00
Age - 35: $7.00
Age - 45: $13.00
Age - 55: $32.00
$250,000 Benefit
Age - 25: $10.00
Age - 35: $17.50
Age - 45: $32.50
Age - 55: $80.00

Voluntary Life - Spouse (Sample Premiums)

$30,000 Benefit
Age - 25: $1.20
Age - 35: $1.80
Age - 45: $3.30
Age - 55: $8.70
$50,000 Benefit
Age - 25: $2.00
Age - 35: $3.00
Age - 45: $5.50
Age - 55: $14.50
$100,000 Benefit
Age - 25: $4.00
Age - 35: $6.00
Age - 45: $11.00
Age - 55: $29.00
$250,000 Benefit
Age - 25: $10.00
Age - 35: $15.00
Age - 45: $27.50
Age - 55: $72.50

Voluntary Life - Child (Actual Premium Premiums)

$5,000: $0.70
$10,000: $1.40

Accidental Death & Dismemberment (AD&D)

AD&D - Employee & Spouse Premiums

$50,000 Benefit
All Ages: $0.75
$100,000 Benefit
All Ages: $1.50
$150,000 Benefit
All Ages: $2.25
$250,000 Benefit
All Ages: $3.75

AD&D - Child(ren) Premiums

$5,000 Benefit
All Ages: $0.26
$5,000 Benefit
All Ages: $1.52

Disability Insurance

Short Term Disability - 7 day Wait (Sample Premiums)

$30,000 Salary
Age 25: $16.10
Age 35: $16.06
Age 45: $19.35
Age 55: $24.61
$50,000 Salary
Age 25: $26.83
Age 35: $26.77
Age 45: $32.25
Age 55: $41.02

Short Term Disability - 30 day Wait (Sample Premiums)

$30,000 Salary
Age 25: $8.52
Age 35: $8.52
Age 45: $10.49
Age 55: $13.29
$50,000 Salary
Age 25: $14.19
Age 35: $14.19
Age 45: $17.48
Age 55: $22.15

Long Term Disability (Sample Premiums)

$30,000 Salary
Age 25: $4.43
Age 35: $4.43
Age 45: $4.43
Age 55: $16.10
$50,000 Salary
Age 25: $7.38
Age 35: $7.38
Age 35: $7.38
Age 35: $26.83

Critical Illness

Critical Illness

Employee Only | Employee + Spouse | Employee + Child(ren) | Family
Rates per $1,000 in coverage
< 25: $0.45 | $0.73 | $0.65 | $0.94
25 - 29: $0.52 | $0.83 | $0.72 | $1.03
30 - 34: $0.63 | $0.98 | $0.83 | $1.19
35 - 39: $0.79 | $1.23 | $1.00 | $1.43
40 - 44: $1.06 | $1.62 | $1.26 | $1.82
45 - 49: $1.42 | $2.17 | $1.62 | $2.37
50 - 54: $1.78 | $2.78 | $1.98 | $2.98
55 - 59: $2.36 | $3.76 | $2.56 | $3.96
60 - 64: $3.03 | $4.90 | $3.24 | $5.10
65 - 69: $4.11 | $6.70 | $4.31 | $6.90
70 - 74: $5.44 | $8.82 | $5.64 | $9.02
75+: $7.86 | $12.40 | $8.06 | $12.60

Accident

Accident - Standard Plan

Employee: $7.01
Employee + Spouse: $13.84
Employee + Child(ren): $16.69
Family: $19.68

Accident - Premium Plan

Employee: $10.10
Employee + Spouse: $19.82
Employee + Child(ren): $23.80
Family: $28.09

Legal

Legal - Family Defender Access

Family Coverage: $6.95

Legal - Family Defender

Family Coverage: $16.90

Identity Theft

Identity Theft - Essentials

Employee Only: $6.90
Family: $12.50

Identity Theft - Platinum Plus

Employee Only: $8.90
Family: $15.90