2014 Rate Guide for Health, Dental, Life, and Disability Insurance State Employee Group Insurance Program

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1 2014 Rate Guide for Health, Dental, Life, and Disability Insurance State Employee Group Insurance Program Contents Page INSTRUCTIONS 1 7 HEALTH PLAN AVAILABILITY BY COUNTY 8 DENTAL PLAN AVAILABILITY BY COUNTY 9 Page # Section s HEALTH PLAN RATES A1 A4 DENTAL PLAN RATES B1 B4 LIFE PLAN RATES 18 DISABILITY PLAN RATES 19-21

2 Instructions Follow the directions below and use this Guide to find the health and dental insurance premiums for employees. The rate section lists the rate broken down, semi-monthly and monthly. In most cases you will want to know the semi-monthly rates. (IBU s note: We will bill you the monthly rate.) Health Rates 1. Select the Bargaining Unit and Union Code and the appropriate Employment Condition for employee from the Health Coverages by Bargaining Unit chart. What page number is indicated for that bargaining unit and employment condition? 2. Go to the letter/page indicated for that bargaining and employment condition. This will give you the exact rate for that employee. Dental Rates 1. Select the Bargaining Unit and the appropriate Employment Condition for employee from the Dental Coverages by Bargaining Unit chart. What page number is indicated for that bargaining unit and employment condition? 2. Go to the letter/page indicated for that bargaining and employment condition. This will give you the exact rate for that employee. 1

3 2014 This chart shows the Employer (ER) contribution by Bargaining Unit and (union code). 201 (LEA) Law Enforcement Health Coverages by Union Code (A) Dental Coverages by Union Code (B) Note: No part-time employer contribution 202 (AFS) Craft, Maintenance & Labor 203 (AFS) Service 204 (AFS) Health Care Non-Professional 205 (MNA) Nurses 2

4 206 (AFS) Clerical 207 (AFS) Technical 208 (AFS) Correctional Guards 209 (IFO) State University Faculty 210 (MSC) MN State College Faculty Part-time (50-75%) A3 B3 3

5 211 (MSU) State University Administrative and Service Faculty 212 (GEC) Minnesota Government Engineering Council 213 (UNR) Health Treatment Professional Commissioner s Plan 214 (MAP) Minnesota Association of Professional Employees Part-time (50-75%) A3 B3 215 (SRS) Professional State Residential Instructor 216 (MMA) Middle Management Association Part-time - (50-75%) A2 B2 4

6 217 (UNR) Commissioner s Plan 219 (UNR) Not in Unit Severed MS179 Part-time (50%) A2 B2 220 (UNR) Excluded Managerial Plan 221 (UNR) Excluded All other 222 (UNR) Agency Exclusive 5

7 223 (UNR) Unclassified 225 (AFS) Public Safety Radio Operator 300 (MTP) Public Defense Assistant Attorney 301 (MTP) Public Defense Support Staff 308 (UNR) Public Defense/Unrepresented Personnel 309 (UNR) Public Defense/Unrepresented Managers 6

8 330 (A65) Judicial AFSCME 65 Clerical/Technical 331 (MTP) Judicial Teamsters Clerical/Technical 332 (JCR) Courts Teamsters 320/Court Reporters 334 (A14) Courts Teamsters AFSCME Council 14 (Z01-Z27) IBU s Note: See plan covering employee for appropriate employer contribution for part-time employees. 7

9 2014 Health plan availability by county The Minnesota Health Plan is available in all counties of Minnesota. However, the availability under each carrier may differ slightly. BlueCross BlueShield and offer the Plan in all counties of Minnesota. PreferredOne offers the Minnesota Health Plan in all Minnesota counties except Cook County Dental plan availability by county The State Dental Plan, administered by Delta Dental, offers total coverage in all counties of Minnesota. The State of Minnesota Dental Plan also offers coverages in all counties of Minnesota. Please check your network providers prior to scheduling appointments, as network providers can change through the plan year. 8

10 Section A 2014 Health Plan Rates

11 201 4 H e a l t h P l a n s Full Employer Contribution All Union Codes/Bargaining Units Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Section A-1 10

12 2014 H e a l t h P l a n s 75.00% Employer Contribution Union Codes: AFS, A14, A65, GEC, IFO, JCR, MMA, MNA, MSU, MTP, SRS, UNR, Z01-Z27 Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Section A-2 11

13 2014 H e a l t h P l a n s 50.00% Employer Contribution Union Codes: MAP, MSC Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Section A-3 12

14 2014 H e a l t h P l a n s 0.00% Employer Contribution Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage BlueCross PreferredOne Section A-4 13

15 Section B 2014 Dental Plan Rates

16 All Union Codes/Bargaining Units 2014 D e n t a l P l a n s Full Employer Contribution Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Section B-1 14

17 2014 D e n t a l P l a n s 75.00% Employer Contribution Union Codes: AFS, A14, A65, GEC, IFO, JCR, MMA, MNA, MSU, MTP, SRS, UNR, Z01-Z27 Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Section B-2 15

18 2014 D e n t a l P l a n s 50.00% Employer Contribution Union Codes: MAP, MSC Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Section B-3 16

19 2014 D e n t a l P l a n s 0.00% Employer Contribution Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Semi-Monthly Rates Employee Coverage Dependent Coverage Family Coverage State Dental Plan (Delta) State of MN Dental Plan Section B-4 17

20 2014 Life Plan Rates

21 2014 L i f e P l a n s Basic Life Insurance Monthly Rates LIFE PLAN Total State Employee Basic Employee Life MMLB Manager s Life 2.0 X MLMB Manager s Life 1.5 X MLMA Manager s Life X MLMC Semi-Monthly Rates LIFE PLAN Total State Employee Basic Employee Life MMLB Manager s Life 2.0 X MLMB Manager s Life 1.5 X MLMA Manager s Life X MLMC Optional Employee or Spouse Life Insurance Per $5,000 in Coverage Age of Employee or Spouse MONTHLY SEMI-MONTHLY under age age age age age age age age age age age age age Child Life Insurance Coverage Amount MONTHLY SEMI-MONTHLY $10, Accidental Death and Dismemberment Insurance Cost For $5,000 in Coverage MONTHLY SEMI-MONTHLY

22 2014 Disability Plan Rates

23 2014 D i s a b i l i t y P l a n s Short-Term Disability Insurance monthly benefit semi monthly monthly *You may enroll in short-term disability in amounts up to 2/3 of your gross monthly salary. 19

24 gross annual salary 2014 D i s a b i l i t y P l a n s Long-term disability insurance max monthly benefit from all sources max monthly benefit payable monthly cost semi monthly cost 6,001 6, ,501 7, ,001 8, ,001 9, ,001 10, ,001 11, ,001 12, ,001 12, ,501 13, ,001 14, ,001 15, ,001 16, ,001 18, ,001 19, ,001 20,000 1,000 1, ,001 22,000 1,100 1, ,001 24,000 1,200 1, ,001 26,000 1,300 1, ,001 28,000 1,400 1, ,001 30,000 1,500 1, ,001 32,000 1,600 1, ,001 34,000 1,700 1, ,001 36,000 1,800 1, ,001 38,000 1,900 1, ,001 40,000 2,000 2, ,001 42,000 2,100 2, ,001 44,000 2,200 2, ,001 46,000 2,300 2, ,001 48,000 2,400 2, ,001 50,000 2,500 2, ,001 52,000 2,600 2, ,001 54,000 2,700 2, ,001 56,000 2,800 2, ,001 58,000 2,900 2, ,001 60,000 3,000 3, ,001 61,000 3,100 3, ,001 62,000 3,200 3, ,001 63,000 3,300 3, ,001 64,000 3,400 3, ,001 65,000 3,500 3, ,001 67,000 3,600 3,

25 67,001 69,000 3,700 3, ,001 71,500 3,800 3, ,501 73,000 3,900 3, ,001 75,000 4,000 4, ,001 77,000 4,100 4, ,001 79,000 4,200 4, ,001 81,000 4,300 4, ,001 83,000 4,400 4, ,001 85,000 4,500 4, ,001 87,000 4,600 4, ,001 89,000 4,700 4, ,001 91,000 4,800 4, ,001 93,000 4,900 4, ,001 96,000 5,000 5, ,001 98,000 5,100 5, , ,000 5,200 5, , ,000 5,300 5, , ,000 5,400 5, , ,000 5,500 5, , ,000 5,600 5, , ,000 5,700 5, , ,000 5,800 5, , ,000 5,900 5, , ,000 6,000 6, , ,000 6,100 6, , ,000 6,200 6, , ,000 6,300 6, , ,000 6,400 6, , ,000 6,500 6, , ,000 6,600 6, , ,000 6,700 6, , ,000 6,800 6, , ,500 6,900 6, , ,500 7,000 7, *The maximum benefit from all sources is the most you can expect to receive from all sources of disability income, including but not limited to, state disability retirement, workers compensation, Social Security and any other income you may receive. 21

26 2014 Disability Plans Manager s Long-Term Disability Insurance Monthly Per $100 Monthly Salary Total State Employee Plan A 150 Day Plan A 120 Day Plan A 90 Day Plan A 60 Day Plan A 30 Day Plan B 150 Day Plan B 120 Day Plan B 90 Day Plan B 60 Day Plan B 30 Day Plan A = 1 ½ x salary for life insurance Plan B = 2x salary for life insurance 22

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