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
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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
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
2025 Anthem HRA Gold
- Employee: $194.67
- Employee + Spouse: $482.76
- Employee + Child(ren): $355.26
- Family: $643.35
2025 Anthem HRA Silver
- Employee: $131.17
- Employee + Spouse: $349.41
- Employee + Child(ren): $247.31
- Family: $465.55
2025 Anthem HRA Bronze
- Employee: $82.67
- Employee + Spouse: $247.56
- Employee + Child(ren): $164.86
- Family: $329.75
2025 Anthem HMO
- Employee: $157.53
- Employee + Spouse: $404.77
- Employee + Child(ren): $292.12
- Family: $539.36
2025 UHC HMO
- Employee: $196.58
- Employee + Spouse: $486.77
- Employee + Child(ren): $358.50
- Family: $648.69
2025 UHC HDHP
- Employee: $72.69
- Employee + Spouse: $226.60
- Employee + Child(ren): $147.89
- Family: $301.80
TRICARE
- Employee: $60.50
- Employee + Spouse or Child(ren): $119.50
- Family: $160.50
Dental Insurance
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
2025 Dental - Standard Plan
- Employee: $32.62
- Employee + Spouse: $63.58
- Employee + Child(ren): $66.66
- Family: $93.42
2025 Dental - Premium Plan
- Employee: $52.34
- Employee + Spouse: $102.49
- Employee + Child(ren): $107.49
- Family: $150.86
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
- $10,000 Benefit
- All Ages: $1.52
Disability Insurance
2024 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
2024 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
2024 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 45: $7.38
- Age 55: $26.83
2025 Short Term Disability - 7 day Wait (Sample Premiums)
- $30,000 Salary
- Age 25: $19.73
- Age 35: $19.73
- Age 45: $22.85
- Age 55: $29.08
- $50,000 Salary
- Age 25: $32.88
- Age 35: $32.88
- Age 45: $38.08
- Age 55: $48.46
2025 Short Term Disability - 30 day Wait (Sample Premiums)
- $30,000 Salary
- Age 25: $10.73
- Age 35: $10.73
- Age 45: $11.77
- Age 55: $14.54
- $50,000 Salary
- Age 25: $17.88
- Age 35: $17.88
- Age 45: $19.62
- Age 55: $24.23
2025 Long Term Disability (Sample Premiums)
- $30,000 Salary
- Age 25: $4.43
- Age 35: $6.25
- Age 45: $8.50
- Age 55: $16.10
- $50,000 Salary
- Age 25: $7.38
- Age 35: $10.42
- Age 45: $14.17
- Age 55: $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
