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

2026 Anthem HRA Gold

Employee: $213.71
Employee + Spouse: $531.82
Employee + Child(ren): $390.68
Family: $708.79

2026 Anthem HRA Silver

Employee: $146.11
Employee + Spouse: $389.86
Employee + Child(ren): $275.76
Family: $519.51

2026 Anthem HRA Bronze

Employee: $92.12
Employee + Spouse: $276.48
Employee + Child(ren): $183.97
Family: $368.33

2026 Anthem HMO

Employee: $177.21
Employee + Spouse: $455.17
Employee + Child(ren): $328.63
Family: $606.59

2026 UHC HMO

Employee: $217.19
Employee + Spouse: $539.13
Employee + Child(ren): $396.59
Family: $718.53

2026 UHC HDHP

Employee: $81.11
Employee + Spouse: $253.36
Employee + Child(ren): $165.26
Family: $337.51

2027 Anthem HRA Gold

Employee: $227.19
Employee + Spouse: $565.89
Employee + Child(ren): $415.51
Family: $754.21

TRICARE

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

Dental Insurance

2026 Dental - Standard Plan

Employee: $32.62
Employee + Spouse: $63.58
Employee + Child(ren): $66.66
Family: $93.42

2026 Dental - Premium Plan

Employee: $52.34
Employee + Spouse: $102.49
Employee + Child(ren): $107.49
Family: $150.86

2027 Dental - Standard Plan

Employee: $33.60
Employee + Spouse: $65.49
Employee + Child(ren): $68.66
Family: $96.22

2027 Dental - Premium Plan

Employee: $53.91
Employee + Spouse: $105.56
Employee + Child(ren): $110.71
Family: $155.39

Vision Insurance

Vision - Superior Network

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

Vision - VSP Choice Network

Employee: $11.13
Employee + Spouse: $24.45
Employee + Child(ren): $25.60
Family: $34.89

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 Premiums)

$10,000 Benefit
To Age 26: $1.40
$20,000 Benefit
To Age 26: $2.80

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

$10,000 Benefit
To Age 26: $0.52
$20,000 Benefit
To Age 26: $1.04

Disability Insurance

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

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

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

$10,000 Benefit
Age 25: $5.10
Age 35: $7.80
Age 45: $14.10
Age 55: $23.40
Age 65: $40.70
$20,000 Benefit
Age 25: $10.20
Age 35: $15.60
Age 45: $28.20
Age 55: $46.80
Age 65: $81.40
$30,000 Benefit
Age 25: $15.30
Age 35: $23.40
Age 45: $42.30
Age 55: $70.20
Age 65: $122.10
$40,000 Benefit
Age 25: $20.40
Age 35: $31.20
Age 45: $56.40
Age 55: $93.60
Age 65: $162.80

Critical Illness - Spouse

$5,000 Benefit
Age 25: $1.50
Age 35: $2.20
Age 45: $3.70
Age 55: $6.95
Age 65: $12.80
$10,000 Benefit
Age 25: $3.00
Age 35: $4.40
Age 45: $7.40
Age 55: $13.90
Age 65: $25.60
$15,000 Benefit
Age 25: $4.50
Age 35: $6.60
Age 45: $11.10
Age 55: $20.85
Age 65: $38.40
$20,000 Benefit
Age 25: $6.00
Age 35: $8.80
Age 45: $14.80
Age 55: $27.80
Age 65: $51.20

Accident

Accident - Standard Plan

Employee: $6.93
Employee + Spouse: $13.69
Employee + Child(ren): $16.51
Family: $19.68

Accident - Premium Plan

Employee: $9.99
Employee + Spouse: $19.60
Employee + Child(ren): $23.54
Family: $28.09

Hospital Indemnity

Hospital Indemnity

Employee: $14.69
Employee + Spouse: $29.39
Employee + Child(ren): $31.60
Family: $46.30

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