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2019 State Employee Monthly Contribution Cost

Active State Employees will pay the same per month for benefits in 2019 as in 2018.

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 2019 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 2019 Employee Benefit Costs

2019 Non-Medicare (Under 65) Retiree Medical Plan Rates 

 

Monthly Rate

Live Life Well Incentive

Non-Medicare Retiree Only

$1,231 up to $30 off

Non-Medicare Retiree & Non-Medicare Spouse

$1,737 up to $60 off
Non-Medicare Retiree & Medicare Spouse $1,436 up to $60 off

Non-Medicare Retiree & Children

$1,477 up to $30 off

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

$1,777 up to $60 off

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

$1,651 up to $60 off

2019 Medicare (Over 65) Retiree Medical Plan Rates 

 

Monthly Rate   

Live Life Well Incentive 

Medicare Retiree Only

$448 up to $30 off

Medicare Retiree & Non-Medicare Spouse

$1,019 up to $60 off
Medicare Retiree & Medicare Spouse $781 up to $60 off

Medicare Retiree & Children

$733 up to $30 off

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

$1,066 up to $60 off

Medicare Retiree, Medicare Spouse & Child(ren)

$800 up to $60 off

2019 Retiree Dental Rates

Retiree Only

$41.10

Retiree & Spouse

$62.50

Retiree & Children

$61.00

Retiree & Family

$70.00

2019 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