Rates
Rate Information
All rates shown below are monthly deduction amounts. Baldwin County Schools contributes a significant amount each month towards medical coverage.
Important Notes
- Voluntary life rates for employee and spouse coverage are sample premiums.
- Disability rates are sample premiums. Your actual monthly deduction is based on plan election, salary, and age.
Your actual premiums can be found on the enrollment portal or by calling the Benefits Service Center.
Health Insurance - Medical Premiums
Anthem HRA Gold
- Employee: $188.56
- Employee + Spouse: $464.72
- Employee + Child(ren): $343.04
- Family: $619.20
Anthem HRA Silver
- Employee: $125.19
- Employee + Spouse: $331.65
- Employee + Child(ren): $235.32
- Family: $441.78
Anthem HRA Bronze
- Employee: $77.69
- Employee + Spouse: $231.90
- Employee + Child(ren): $154.57
- Family: $308.78
Anthem HMO
- Employee: $148.53
- Employee + Spouse: $380.66
- Employee + Child(ren): $274.99
- Family: $507.12
UHC HMO
- Employee: $177.91
- Employee + Spouse: $442.36
- Employee + Child(ren): $324.94
- Family: $589.39
UHC HDHP
- Employee: $63.36
- Employee + Spouse: $201.80
- Employee + Child(ren): $130.20
- Family: $268.64
TRICARE
- Employee: $60.50
- Employee + Spouse or Child(ren): $119.50
- Family: $160.50
Dental Insurance
Dental - Standard Plan
- Employee: $29.39
- Employee + Spouse: $57.28
- Employee + Child(ren): $60.05
- Family: $84.16
Dental - Premium Plan
- Employee: $47.15
- Employee + Spouse: $92.33
- Employee + Child(ren): $96.84
- Family: $135.91
Vision Insurance
Vision - Standard Plan
- Employee: $5.39
- Employee + Spouse: $11.47
- Employee + Child(ren): $12.01
- Family: $16.23
Vision - Premium Plan
- Employee: $9.31
- Employee + Spouse: $20.45
- Employee + Child(ren): $21.40
- Family: $29.17
Voluntary Life Insurance
Voluntary Life - Employee (Sample Premiums)
- $30,000 Benefit
- Age - 25: $1.20
- Age - 35: $2.10
- Age - 45: $3.90
- Age - 55: $9.60
- $50,000 Benefit
- Age - 25: $2.00
- Age - 35: $3.50
- Age - 45: $6.50
- Age - 55: $16.00
- $100,000 Benefit
- Age - 25: $4.00
- Age - 35: $7.00
- Age - 45: $13.00
- Age - 55: $32.00
- $250,000 Benefit
- Age - 25: $10.00
- Age - 35: $17.50
- Age - 45: $32.50
- Age - 55: $80.00
Voluntary Life - Spouse (Sample Premiums)
- $30,000 Benefit
- Age - 25: $1.20
- Age - 35: $1.80
- Age - 45: $3.30
- Age - 55: $8.70
- $50,000 Benefit
- Age - 25: $2.00
- Age - 35: $3.00
- Age - 45: $5.50
- Age - 55: $14.50
- $100,000 Benefit
- Age - 25: $4.00
- Age - 35: $6.00
- Age - 45: $11.00
- Age - 55: $29.00
- $250,000 Benefit
- Age - 25: $10.00
- Age - 35: $15.00
- Age - 45: $27.50
- Age - 55: $72.50
Voluntary Life - Child (Actual Premium Premiums)
- $5,000: $0.70
- $10,000: $1.40
Accidental Death & Dismemberment (AD&D)
AD&D - Employee & Spouse Premiums
- $50,000 Benefit
- All Ages: $0.75
- $100,000 Benefit
- All Ages: $1.50
- $150,000 Benefit
- All Ages: $2.25
- $250,000 Benefit
- All Ages: $3.75
AD&D - Child(ren) Premiums
- $5,000 Benefit
- All Ages: $0.26
- $5,000 Benefit
- All Ages: $1.52
Disability Insurance
Short Term Disability - 7 day Wait (Sample Premiums)
- $30,000 Salary
- Age 25: $16.10
- Age 35: $16.06
- Age 45: $19.35
- Age 55: $24.61
- $50,000 Salary
- Age 25: $26.83
- Age 35: $26.77
- Age 45: $32.25
- Age 55: $41.02
Short Term Disability - 30 day Wait (Sample Premiums)
- $30,000 Salary
- Age 25: $8.52
- Age 35: $8.52
- Age 45: $10.49
- Age 55: $13.29
- $50,000 Salary
- Age 25: $14.19
- Age 35: $14.19
- Age 45: $17.48
- Age 55: $22.15
Long Term Disability (Sample Premiums)
- $30,000 Salary
- Age 25: $4.43
- Age 35: $4.43
- Age 45: $4.43
- Age 55: $16.10
- $50,000 Salary
- Age 25: $7.38
- Age 35: $7.38
- Age 35: $7.38
- Age 35: $26.83
Critical Illness
Critical Illness
- Employee Only | Employee + Spouse | Employee + Child(ren) | Family
Rates per $1,000 in coverage - < 25: $0.45 | $0.73 | $0.65 | $0.94
- 25 - 29: $0.52 | $0.83 | $0.72 | $1.03
- 30 - 34: $0.63 | $0.98 | $0.83 | $1.19
- 35 - 39: $0.79 | $1.23 | $1.00 | $1.43
- 40 - 44: $1.06 | $1.62 | $1.26 | $1.82
- 45 - 49: $1.42 | $2.17 | $1.62 | $2.37
- 50 - 54: $1.78 | $2.78 | $1.98 | $2.98
- 55 - 59: $2.36 | $3.76 | $2.56 | $3.96
- 60 - 64: $3.03 | $4.90 | $3.24 | $5.10
- 65 - 69: $4.11 | $6.70 | $4.31 | $6.90
- 70 - 74: $5.44 | $8.82 | $5.64 | $9.02
- 75+: $7.86 | $12.40 | $8.06 | $12.60
Accident
Accident - Standard Plan
- Employee: $7.01
- Employee + Spouse: $13.84
- Employee + Child(ren): $16.69
- Family: $19.68
Accident - Premium Plan
- Employee: $10.10
- Employee + Spouse: $19.82
- Employee + Child(ren): $23.80
- Family: $28.09
Legal
Legal - Family Defender Access
- Family Coverage: $6.95
Legal - Family Defender
- Family Coverage: $16.90
Identity Theft
Identity Theft - Essentials
- Employee Only: $6.90
- Family: $12.50
Identity Theft - Platinum Plus
- Employee Only: $8.90
- Family: $15.90
