2020 State Employee Monthly Contribution Cost
Active State Employees will pay the same per month for benefits in 2020 as in 2019.
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 2020 State Plan Rates.
| Plans | Core Benefits (Includes Medical/Pharmacy, Employee Only Dental, and Basic Life Insurance) |
Optional |
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 | $30 per employee (includes Family Dental) | - |
+$22.26 |
up to $30 off |
Other 2020 Employee Benefit Costs
2020 Non-Medicare (Under 65) Retiree Medical Plan Rates
|
Monthly Rate |
Live Life Well Incentive | |
|
Non-Medicare Retiree Only |
$1,256 | up to $30 off |
|
Non-Medicare Retiree & Non-Medicare Spouse |
$1,944 | up to $60 off |
| Non-Medicare Retiree & Medicare Spouse | $1,465 | up to $60 off |
|
Non-Medicare Retiree & Children |
$1,572 | up to $30 off |
|
Non-Medicare Retiree, Non-Medicare Spouse & Child(ren) |
$2,172 | up to $60 off |
|
Non-Medicare Retiree, Medicare Spouse & Child(ren) |
$1,805 | up to $60 off |
2020 Medicare (Over 65) Retiree Medical Plan Rates
|
Monthly Rate |
Live Life Well Incentive | |
|
Medicare Retiree Only |
$457 | up to $30 off |
|
Medicare Retiree & Non-Medicare Spouse |
$1,159 | up to $60 off |
| Medicare Retiree & Medicare Spouse | $797 | up to $60 off |
|
Medicare Retiree & Children |
$748 | up to $30 off |
|
Medicare Retiree, Non-Medicare Spouse, and Child(ren) |
$1,396 | up to $60 off |
|
Medicare Retiree, Medicare Spouse & Child(ren) |
$933 | up to $60 off |
2020 Retiree Dental Rates
|
Retiree Only |
$41.10 |
|
Retiree & Spouse |
$62.50 |
|
Retiree & Children |
$61.00 |
|
Retiree & Family |
$70.00 |
2020 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 |