Health Care & Benefits Division

State of Montana Benefit Plan 2022 Rates

The Health Care & Benefits Division works with an independent actuary to set the rates every year. 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.

 

The State Plan is currently engaged in a Request For Proposal (RFP) for its Dental, Life Insurance, and Long Term Disability plans. Watch for more information coming soon.

 

2022 State Employee Monthly Contribution Cost

There are no changes to employee State Plan contributions! In addition, there are no changes to member deductibles, benefit percentages, office visit/urgent care co-payments or out-of-pocket maximums.

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 $30 per employee (includes Family Dental) -

+$22.26
(Joint Core Primary
Member Only)

up to $30 off

Other 2022 Employee Benefit Costs

 

2022 Non-Medicare (Under 65) Retiree Medical Plan Rates

There are no changes to Non-Medicare Retiree State Plan contributions for dental and vision. However, Non-Medicare retiree medical plan rates increased on average 4% to ensure the State Plan remains solvent based on risk and utilization.

Monthly Rate

Live Life Well Incentive

Non-Medicare Retiree Only

$1,281 up to $30 off

Non-Medicare Retiree & Non-Medicare Spouse

$2,044 up to $60 off
Non-Medicare Retiree & Medicare Spouse $1,494 up to $60 off

Non-Medicare Retiree & Children

$1,653 up to $30 off

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

$2,272 up to $60 off

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

$1,898 up to $60 off

 

2022 Medicare (Over 65) Retiree Medical Plan Rates

There are no changes to Non-Medicare Retiree State Plan contributions for dental and vision. However, Medicare retiree medical plan rates increased on average 4% to ensure the State Plan remains solvent based on risk and utilization.

Monthly Rate

Live Life Well Incentive

Medicare Retiree Only

$466 up to $30 off

Medicare Retiree & Non-Medicare Spouse

$1,259 up to $60 off
Medicare Retiree & Medicare Spouse $830 up to $60 off

Medicare Retiree & Children

$779 up to $30 off

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

$1,455 up to $60 off

Medicare Retiree, Medicare Spouse & Child(ren)

$972 up to $60 off

2022 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
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