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2018 State Employee Monthly Contribution Cost

State Employees will pay the same per month for benefits in 2018 as in 2017.

The Health Care & Benefits Division works with an independent actuary to set the rates every year. Remember, the State of Montana Benefit Plan is self-funded. In order to make sure there is always enough money available to cover State Plan costs, we project claims expenses, administrative fees, and other plan costs for the coming plan year, and determine the amount of contributions needed to cover these estimated costs and maintain an adequate reserve.  Since the State Plan is self-funded, the third party administrators, like Allegiance and Navitus, bear no financial risk related to claims expense.  Therefore, the State is able set the rates, knowing the historical plan costs. Below are the 2018 State Plan Rates.  

 Plans Core Benefits
(Includes Medical/Pharmacy, Employee Only Dental, and Basic Life Insurance) 

Optional
Dental

 Vision Hardware  Potential
Live Life Well Incentive
Employee Only $30 - +$7.64 up to $30 off
Employee & Spouse $250 +$21.40 +$14.42 up to $60 off
Employee & Child(ren) $101 +$19.90  +$15.18  up to $30 off
Employee & Family $327   +$28.90 +$22.26 up to $60 off
Joint Core (Per Employee)   $30 (includes Family Dental) - +$11.13 up to $30 off

 

Other 2018 Employee Benefit Costs

 

2018 Non-Medicare (Under 65) Retiree Medical Plan Rates

 

Monthly Rate

Live Life Well Incentive

Non-Medicare Retiree Only

$1,131 up to $30 off

Non-Medicare Retiree & Non-Medicare spouse

$1,596 up to $60 off
Non-Medicare Retiree & Medicare spouse $1,353 up to $60 off

Non-Medicare Retiree & children

$1,357 up to $30 off

Non-Medicare Retiree, Non-Medicare Spouse & Child(ren)

$1,633 up to $60 off

Non-Medicare Retiree, Medicare Spouse & Child(ren)

$1,438 up to $60 off

 

2018 Medicare (Over 65) Retiree Medical Plan Rates 

 

Monthly Rate   

Live Life Well Incentive 

Medicare Retiree Only

$439 up to $30 off

Medicare Retiree & Non-Medicare Spouse

$872 up to $60 off
Medicare Retiree & Medicare spouse $765 up to $60 off

Medicare Retiree & children

$718 up to $30 off

Medicare Retiree, Non-Medicare Spouse, and Child(ren)

$911 up to $60 off

Medicare Retiree, Medicare Spouse & Child(ren)

$784 up to $60 off

 

2018 Retiree Dental Rates

Retiree only

$41.10

Retiree & spouse

$62.50

Retiree & children

$61.00

Retiree & family

$70

 

2018 Retiree Vision Hardware Rates

If you elect Vision Hardware coverage, it will be for everyone who's covered on your medical plan.

  Monthly Cost
Member only $7.64
Member & spouse $14.42
Member & children $15.18
Member & family $22.26