2024 Premiums
Medical
Premiums for the Consumer Choice Medical Plan are based on a tiered rate structure. Your total compensation earned from October 1, 2022 to September 30, 2023 will be used to determine your medical rate for 2024. Total compensation includes your base salary, overtime, shift differential, and variable pay related to work performance.
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your medical premiums are deducted on a before-tax basis from the first and second paycheck of each month.
Dental
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your dental premiums are deducted before taxes from the first and second paycheck of each month.
| 2024 Dental Monthly Premiums Deducted before-tax | ||
|---|---|---|
| Coverage Level | Delta Dental | BCBSL Global (Expat Only) |
| Employee Only | $21.00 | $21.00 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $45.00 | $45.00 |
| Employee + Child(ren) | $47.00 | $47.00 |
| Employee + Family | $62.00 | $62.00 |
Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.
Non-Tax Dependent Domestic Partner
If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.
| 2024 Dental Monthly Premiums Deducted after-tax | |||||
|---|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium | Imputed Income Delta Dental | Imputed Income BCBSIL Global | |
| Employee + Non-Tax- Dependent Domestic Partner | $21.00 | + | $24.00 | $25.42 | $16.09 |
| Employee + Family | $38.00 | + | $24.00 | $25.42 | $16.09 |
Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.
Vision
Active Employees
If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your vision premiums are deducted before taxes from the first and second paycheck of each month.
| 2024 Vision Monthly Premiums Deducted before-tax | ||
|---|---|---|
| Coverage Level | VSP Base | VSP Premier |
| Employee Only | $7.40 | $14.28 |
| Employee + Spouse or Tax-Dependent Domestic Partner | $14.28 | $26.00 |
| Employee + Child(ren) | $15.80 | $27.28 |
| Employee + Family | $25.24 | $45.12 |
Non-Tax Dependent Domestic Partner
If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes.
| 2024 Vision Monthly Premiums Deducted after-tax | ||||
|---|---|---|---|---|
| Coverage Level | Before-Tax Premium | After-Tax Premium | Imputed Income | |
| Employee + Non-Tax- Dependent Domestic Partner | $7.40 | + | $7.38 | N/A |
| Employee + Family | $17.86 | + | $11.72 | N/A |
Supplemental Life Insurance
If you enroll in Supplemental Life or Family Life insurance, the premium is deducted from the first and second paycheck of each month.
Employee Life Insurance
|
2024 Supplemental Life Insurance Monthly Premiums
Deducted after-tax
|
||
|---|---|---|
| Age | Non-Smoker Rate per $1,000 of coverage |
Smoker Rate per $1,000 of coverage |
| Under 25 | $0.034 | $0.050 |
| 25-29 | $0.034 | $0.060 |
| 30-34 | $0.043 | $0.080 |
| 35-39 | $0.060 | $0.107 |
| 40-44 | $0.077 | $0.155 |
| 45-49 | $0.111 | $0.213 |
| 50-54 | $0.179 | $0.398 |
| 55-59 | $0.333 | $0.679 |
| 60-64 | $0.504 | $1.067 |
| 65-69 | $0.965 | $2.008 |
| 70+ | $1.572 | $3.250 |
Family Life Insurance
|
2024 Family Life Insurance Monthly Premiums
Deducted after-tax
|
|||
|---|---|---|---|
| Coverage for Spouse | Premium | Coverage for Child(ren) | Premium |
| $25,000 | $4.55 | $10,000 | $1.67 |
| $50,000 | $9.08 | $15,000 | $2.50 |
| $100,000 | $18.17 | $20,000 | $3.34 |
| $150,000 | $27.25 | $25,000 | $4.17 |
The amount of Insurance for your spouse/domestic partner cannot exceed your total combined amount of Basic and Supplemental Life Insurance. The amount of Insurance for your child(ren) cannot exceed your total combined amount of Basic and Supplemental Life Insurance.
Long-Term Disability
If you enroll in Supplemental Long Term Disability (LTD) coverage, the premium is deducted from the first and second paycheck of each month.
| 2024 Supplemental Disability Monthly Premium Deducted before-tax | |
|---|---|
| Coverage Level | Your Cost |
| Additional 15% of base pay (75% total) | $0.06 (annual premium per $100 of annual base pay) |
Accident Insurance
If you enroll in voluntary Accident Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2024 Accident Insurance Monthly Premiums Deducted after-tax |
||
|---|---|---|
| Coverage Level | High Plan | Low Plan |
| Employee Only | $5.00 | $2.53 |
| Employee + Spouse | $9.86 | $4.66 |
| Employee + Child(ren) | $10.29 | $5.29 |
| Employee + Family | $15.15 | $7.42 |
Critical Illness Insurance
If you enroll in voluntary Critical Illness Insurance, the premium is deducted after-tax from the first and second paycheck of each month. The premium is based on your benefit amount and smoker/non-smoker status.
| 2024 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax | ||||
|---|---|---|---|---|
| Non-Smoker | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
Under 25 |
$3.10 |
$6.70 |
$3.70 |
$7.30 |
25-29 |
$3.40 |
$7.10 |
$4.00 |
$7.70 |
30-34 |
$3.90 |
$8.50 |
$4.50 |
$9.10 |
35-39 |
$4.80 |
$10.20 |
$5.40 |
$10.80 |
40-44 |
$6.60 |
$14.80 |
$7.20 |
$15.40 |
45-49 |
$10.20 |
$22.80 |
$10.80 |
$23.40 |
50-54 |
$16.00 |
$32.80 |
$16.60 |
$33.40 |
55-59 |
$18.40 |
$39.10 |
$19.00 |
$39.70 |
60-64 |
$21.40 |
$48.80 |
$22.00 |
$49.40 |
65-69 |
$22.40 |
$54.50 |
$23.00 |
$55.10 |
70+ |
$30.40 |
$69.00 |
$31.00 |
$69.60 |
| 2024 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax | ||||
|---|---|---|---|---|
| Smoker | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
Under 25 |
$4.90 |
$10.70 |
$5.50 |
$11.30 |
25-29 |
$5.30 |
$11.40 |
$5.90 |
$12.00 |
30-34 |
$6.00 |
$13.30 |
$6.60 |
$13.90 |
35-39 |
$7.10 |
$15.80 |
$7.70 |
$16.40 |
40-44 |
$13.10 |
$26.50 |
$13.70 |
$27.10 |
45-49 |
$23.10 |
$51.70 |
$23.70 |
$52.30 |
50-54 |
$26.90 |
$62.80 |
$27.50 |
$63.40 |
55-59 |
$31.30 |
$78.90 |
$31.90 |
$79.50 |
60-64 |
$34.20 |
$96.10 |
$34.80 |
$96.70 |
65-69 |
$38.40 |
$106.60 |
$39.00 |
$107.20 |
70+ |
$44.00 |
$118.10 |
$44.60 |
$118.70 |
| 2024 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax | ||||
|---|---|---|---|---|
| Non-Smoker | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
Under 25 |
$6.20 |
$13.40 |
$7.40 |
$14.60 |
25-29 |
$6.80 |
$14.20 |
$8.00 |
$15.40 |
30-34 |
$7.80 |
$17.00 |
$9.00 |
$18.20 |
35-39 |
$9.60 |
$20.40 |
$10.80 |
$21.60 |
40-44 |
$13.20 |
$29.60 |
$14.40 |
$30.80 |
45-49 |
$20.40 |
$45.60 |
$21.60 |
$46.80 |
50-54 |
$32.00 |
$65.60 |
$33.20 |
$66.80 |
55-59 |
$36.80 |
$78.20 |
$38.00 |
$79.40 |
60-64 |
$42.80 |
$97.60 |
$44.00 |
$98.80 |
65-69 |
$44.80 |
$109.00 |
$46.00 |
$110.20 |
70+ |
$60.80 |
$138.00 |
$62.00 |
$139.20 |
| 2024 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax | ||||
|---|---|---|---|---|
| Smoker | ||||
|
Age |
Employee |
Employee + Spouse |
Employee + Children |
Employee + Family |
Under 25 |
$9.80 |
$21.40 |
$11.00 |
$22.60 |
25-29 |
$10.60 |
$22.80 |
$11.80 |
$24.00 |
30-34 |
$12.00 |
$26.60 |
$13.20 |
$27.80 |
35-39 |
$14.20 |
$31.60 |
$15.40 |
$32.80 |
40-44 |
$26.20 |
$53.00 |
$27.40 |
$54.20 |
45-49 |
$46.20 |
$103.40 |
$47.40 |
$104.60 |
50-54 |
$53.80 |
$125.60 |
$55.00 |
$126.80 |
55-59 |
$62.60 |
$157.80 |
$63.80 |
$159.00 |
60-64 |
$68.40 |
$192.20 |
$69.60 |
$193.40 |
65-69 |
$76.80 |
$213.20 |
$78.00 |
$214.40 |
70+ |
$88.00 |
$236.20 |
$89.20 |
$237.40 |
Hospital Indemnity Insurance
If you enroll in voluntary Hospital Indemnity Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2024 Hospital Indemnity Insurance Monthly Premiums Deducted after-tax |
||
|---|---|---|
| Coverage Level | High Plan | Low Plan |
| Employee Only | $13.36 | $6.24 |
| Employee + Spouse | $28.65 | $13.53 |
| Employee + Child(ren) | $26.04 | $12.60 |
| Employee + Family | $41.33 | $19.99 |
Legal Insurance
If you enroll in voluntary Legal Insurance, the premium is deducted after-tax from the first and second paycheck of each month.
| 2024 Legal Insurance Monthly Premium Deducted after-tax |
|
|---|---|
| Option | Your Cost |
| ARAG Group Legal | $19.50 |
COBRA
| 2024 Monthly Medical COBRA Premiums | ||||||
|---|---|---|---|---|---|---|
| Coverage Level | Consumer Choice Plan BCBSIL | Consumer Choice Plan Kaiser (N. California) | Consumer Choice Plan Kaiser (S. California) | Consumer Choice Plan Kaiser (Colorado) | Consumer Choice Plan Kaiser (Oregon) | BCBSIL Global (Expat Only) |
| Employee Only | $743.80 | $813.15 | $631.42 | $581.30 | $514.50 | $1,242.36 |
| Employee + Spouse | $1,713.57 | $1,788.94 | $1,389.13 | $1,220.73 | $1,131.89 | $2,362.32 |
| Employee + Child(ren) | $1,415.17 | $1,439.28 | $1,117.61 | $1,104.47 | $1,003.27 | $1,873.74 |
| Employee + Family | $2,161.14 | $2,455.72 | $1,906.89 | $1,743.89 | $2,140.32 | $3,073.26 |
*The Consumer Choice Plan is administered by BCBSIL and Kaiser.
| 2024 Monthly Dental COBRA Premiums | ||
|---|---|---|
| Coverage Level | Delta Dental* | BCBSIL Global Dental Plan (Expat Only) |
| Employee Only | $42.02 | $33.66 |
| Employee + Spouse | $92.43 | $74.46 |
| Employee + Child(ren) | $95.65 | $114.24 |
| Employee + Family | $126.07 | $155.04 |
*Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.
| 2024 Monthly Vision COBRA Premiums | ||
|---|---|---|
| Coverage Level | VSP Base | VSP Premier |
| Employee Only | $7.51 | $14.52 |
| Employee + Spouse | $14.99 | $26.44 |
| Employee + Child(ren) | $16.03 | $27.74 |
| Employee + Family | $25.62 | $42.84 |