2019 -20 SPP 2.0 Plan State Partnership Plan deductible resets on July 1, 2019-20 Teachers will pay 19.5% of total BOE cost.
2019-20 Rate sheets: Delta Dental | SPP 2.0
Health Enhancement Program (HEP) must be compliant by Dec 31, 2019
2019 -20 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2019. (deductible resets on July 1, 2019) Teachers pay 19.5% of total BOE cost.
- Employee Only $108.39 x 20 pays = $2167.89
- Employee + 1 $233.74 x 20 pays = $4674.75
- Family $281.45 x 20 pays = $5629
Dental Plan Group Dental
- Employee Only $5.60 x 20 = $111.95
- Employee + 1 $12.12 x 20 = $242.35
- Family $15.22 x 20 = $304.48
Total for full-time teachers: 19.5% of BOE costs
- Employee Only: $113.99 per pay for 20 pays
- Employee + 1: $245.86 per pay for 20 pays
- Family: $296.67 per pay for 20 pays
Total for part time teachers: pay 30% of BOE cost
- Employee Only: Dental: $8.60/pay = $172 | SPP 2.0: $167/pay = $3335
- Employee + 1: Dental: $18.65/pay = $373 | SPP 2.0: $360/pay = $7192
- Family: Dental: $23.40/pay = $468 | SPP 2.0: $433/pay = $8620
BOE cost for : full time teachers pay 19.5% of this number
- Employee Only = $11,117 | Dental: $574.08
- Employee + 1 = $23,973 | Dental: $1,248.84
- Family = $28,867 | Dental: $1,561.44
2018 -19 SPP 2.0 Plan State Partnership Plan new plan year starts on Sept 1, 2018. Teachers will pay 19.5% of total BOE cost.
Insurance Only Rates: | Delta Dental Rates
2018-19 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2018. Teachers pay 19.5% of total BOE cost.
- Employee Only $101.55 x 20 pays = $2031
- Employee + 1 $216.60 x 20 pays = $4332
- Family $259.80 x 20 pays = $5196
Dental Plan Group Dental
- Employee Only $5.37 x 20 = $107.45
- Employee + 1 $11.63 x 20 = $232.64
- Family $14.61 x 20 = $292.29
Total for part time teachers: pay 30% of BOE cost
- Employee Only $156.20 x 20 = $3124
- Employee + 1 $ 332 x 20 = $6664
- Family $399.70 x 20 = $7994
BOE cost for : full time teachers pay 19.5% of this number
- Employee Only = $10,416 | Dental: $552
- Employee + 1 = $22,213 | Dental: $1193
- Family = $26,648 | Dental: $1500
2017-18 Insurance cost sharing rates for teachers (estimated: June 2017) (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2017. Teachers will pay 20% of total BOE cost. 2017-18 rate sheet | PT rate sheet (Aug 2017) |
High Deductible Health Plan (HDHP)
- Employee Only $93.66 x 20 = $1873.20
- Employee + 1 $201.38 x 20 = $4027.60
- Family $252.70 x 20 = $5054.00
Dental Plan Group Dental
- Employee Only $5.71 x 20 = $114.20
- Employee + 1 $12.36 x 20 = $247.20
- Family $15.53 x 20 = $310.60
Total for full time teachers: pay 20% of BOE cost Aug 2017
- Employee Only $99.37 x 20 = $2809.91
- Employee + 1 $213.74 x 20 = $4274.80
- Family $268.23 x 20 = $5364.60
Total for part time teachers: pay 30% of BOE cost
- Employee Only $140.50 x 20 = $1987.40
- Employee + 1 $ 302.07 x 20 = $6041.30
- Family $379.06 x 20 = $7518.13
BOE cost: full timer teachers pay 20% of this number see rates here
- Employee Only $99.37 x 20 = $9,937
- Employee + 1 $213.74 x 20 = $21,374
- Family $268.23 x 20 = $26,823
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2016 17 Rate sheet from TSO | State Partnership Plan
2016-17 Insurance cost sharing rates for teachers (Aug 2016) (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2016. Teachers will pay 19% of total BOE cost.
Single: Medical: $82.22 | Dental:$5.80 | Total: $89.31/pay or
$1665+$121.2 = $1786.20 total (over 20 pays)
Dual: Medical: $176.77 | Dental: $12.57 | Total: $192.11/pay or
$3580+$262 = $3842.20 total (over 20 pays)
Family: Medical: $221.83 | Dental: $15.79 | Total: $241.09/pay or
$4492.40+$329.40 = $4821.80 total (over 20 pays)
2016 Open Enrollment period runs from June 7th through Wed, July 6th.
Projected total 2016-17 BOE cost for plan: (June 2016)
single: medical: $8,654 | dental: $611 = $9265
dual: medical: $18,607 | dental: $1,323 = $19,930
family: medical: $23,350| dental: $1,662 = $25,012
Part Time teachers pay 30% of BOE cost
Single: Medical: $129.82 | Dental:$9.16 | Total: $138.98/pay or
$2779.60 total (over 20 pays)
Dual: Medical: $279.11 | Dental: $19.84 | Total: $298.95/pay or
$5979 total (over 20 pays)
Family: Medical: $350.25 | Dental: $24.93 | Total: $375.18/pay or
$7503.60 total (over 20 pays)
2015-16 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods): new plan year starts on Sept 1, 2015..
please note: WEA rates per our contract are set based on previous year July 1 – June 30. Download actual rates from Business office
Full Time Teachers – pay 18% of BOE rates BOE will contribute $1000 (single)/$2000 (family) to their HSA account. HD deductible does not includes dental plan which has separate deductible.
- Single $71.19 x 20 pays = $1423.80 total + (dental: $5.45 x 20 pays = $109.00) = $1532.80 ($76.64 combined for 20 pays)
- Dual $153.06 x 20 pays = $3061.20 total + (dental: $11.79 x 20 pays = $235.80) = $3297.00 ($164.85 combined for 20 pays)
- Family $192.07 x 20 pays = $3841.40 total + (dental: $14.82 x 20 pays = $296.40) = $4137.80 ($206.89 combined for 20 pays)
Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account. Does not include dental benefit.
- Single $118.65 x 20 pays = $2,373.01 + (dental: $9.08 *20 = $181.58) = $2554.59 ($127.73 combined for 20 pays)
- Dual $255.10 x 20 pays = $5101.99 total + (dental: $19.66 *20 = $393.12) = $5495.11 ($274.75 combined for 20 pays)
- Family $320.12 x 20 pays = $6402.38 total + (dental: $24.70 *20 = $493.92) = $6896.30 ($344.81 combined for 20 pays)
Total BOE price for our HD/HSA health insurance plan for 2015-16:
- single = $7910.40 + $605.28 (dental) = $8515.68
- dual = $17,006.64 + $1310.40 (dental) = $18317.04
- family = $21,341.28 + $1,646.40 (dental) = $22987.68
Dental plan: Full time employees pay 18% of what the BOE pays
- Single $5.45 x 20 pays = $106.80 total
- Dual $11.79 x 20 pays = $235.80 total
- Family $14.82 x 20 pays = $296.40 total
Total premium for our dental plan: what the BOE pays
- Single $605.82 for the year
- Dual $1310.40 for the year
- Family $1646.40 for the year
If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”
Full Time member: (18% of HD plan plus difference between HD and PPO plans)
Single $1736.36 + $1423.80 = $3,160.16 to stay on the PPO plan ($158.01 for 20 pays)
Dual $3733.20+ $3061.20 = $6794.40 to stay on the PPO plan ($339.72 for 20 pays)
Family $4684.80 + $3841.40 = $8526.20 to stay on the PPO plan ($426.31 for 20 pays)
Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $4,109.37 to stay on PPO plan ($205.47 for 20 pays)
Dual $8,835.19 to stay on PPO plan ($441.76 for 20 pays)
Family $11,087.18 to stay on PPO plan ($554.36 for 20 pays)
Total BOE price of POS plan for 2015-16:
Single $9,646.40/year | difference from HD plan: $9,646.40 – $7910.40 = $1736
Dual $20,739.84/year | difference from HD plan: $20,739.84 – $17,006.64 = $3733.20
Family $26,026.08/year | difference from HD plan: $26,026.08 – $21,341.28 = $4684.80
COBRA cost: computed on a projected basis..so higher than WEA rate which is computed on last year;s experience
Monthly cost:
HDHP- Family rate: $2,062.92
Dental Plan – Family rate: 144.01
Subtotal Cost: 2,206.93
2% Admin fee: 44.14
Total Monthly COBRA cost: $2,251.07
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2014-15 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods): plan starts on Sept 1, 2014..
please note: WEA rates per our contract are set based on previous year July 1 – June 30.
Full time employees | Part time employees includes PPO (buy up) rates
Full Time Teachers – pay 17% of BOE rates BOE will contribute $1000 (single)/$2000 (family) to their HSA account. includes dental benefit.
- Single $64.28 x 20 pays = $1285.60 total + (dental: $4.46 x 20 pays = $87.91) = $1374.80 or $68.72/pay
- Dual $138.21 x 20 pays = $2764.20 total + (dental: $9.65 x 20 pays = $193) = $2957.20 or $147.86/pay
- Family $173.44 x 20 pays = $3468.80 total + (dental: $12.12 x 20 pays = $242.40) = $3711.20 or $185.56/pay
Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account. Does not include dental benefit.
- Single $113.44 x 20 pays = $2,268.80 + (dental: $7.87 *20 = $152.32)
- Dual $243.90 x 20 pays = $4877.96 total + (dental: $17.03 *20 = $340.60)
- Family $306.06 x 20 pays = $6121.30 total + (dental: $21.39 *20 = $427.90)
Total BOE price for our HD/HSA health insurance plan for 2014-15:
- single = $7562.76 + 524.40 (dental) = $8087.16
- dual = $16,259.88 + 1135.32 (dental) = $17395.20
- family = $20,404.32 + 1,426.32 (dental) = $21830.64
Dental plan: we pay 17% of what the BOE pays
- Single $4.46 x 20 pays = $89.20 total
- Dual $9.65 x 20 pays = $193.00 total
- Family $12.70 x 20 pays = $242.40 total
Total premium for our dental plan: what the BOE pays
- Single $524.40 for the year
- Dual $1,135.32 for the year
- Family $1425.32 for the year
If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”
Full Time member: (17% of HD plan plus difference between HD and PPO plans)
Single $1609.68 + $1261.15 = $2,945.80 to stay on the PPO plan ($147.29 for 20 pays)
Dual $3460.68+ $2764.20 = $6,333.40 to stay on the PPO plan ($308.67 for 20 pays)
Family $4342.68 + $3468.80 = $7,947.60 to stay on the PPO plan ($387.36 for 20 pays)
Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $3974.34 to stay on PPO plan ($198.74 for 20 pays)
Dual $8,547.19 to stay on PPO plan ($427.36 for 20 pays)
Family $10,726.16 to stay on PPO plan ($536.31 for 20 pays)
Total BOE price of POS plan for 2014-15:
Single $9,222.84/year | difference from HD plan: $9,222.84 – $7562.76 = $1660.08
Dual $19,829.16/year | difference from HD plan: $19,829.16 – $16,259.88 = $3569.28
Family $24,883.20/year | difference from HD plan: $24,883.20 – $20,404.32 = $4478.88
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2013-14 Insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods): plan starts on Sept 1, 2013..
please note: WEA rates per our contract are set based on previous year July 1 – June 30. 2013-14 rates were be finalized in Aug 2013.
HD plan rates | PPO (buy up) rates
Full Time Teachers – pay 16% of BOE rates BOE will contribute $1000 (single)/$2000 (family) to their HSA account. Includes dental benefit.
- Single $63.06 x 20 pays = $1261.15 total
- Dual $135.64 x 20 pays = $2712.81 total
- Family $170.23 x 20 pays = $3404.52 total
Part Time Teachers pay 30% of the BOE rates. BOE will make the full contribution $1000/$2000 to their HSA account. Includes dental benefit.
- Single $118.23 x 20 pays = $2,364.66 total
- Dual $254.33 x 20 pays = $5,086.51 total
- Family
$336.55 x 20 pays = $6,730.92 totalOct 25, 2013
Corrected rates for part time family only Oct 25, 2013
- family: $21,278.28 * 30% = $6383.48 total or $319.17 for 20 pays
Total BOE price for our HD/HSA health insurance plan for 2013-14: medical & dental are:
- single = $7882.20
- dual = $16,955.04
- family = $21,278.28
Dental plan: (included in plan numbers)
- Single $4.40 x 20 pays = $87.91 total
- Dual $9.52 x 20 pays = $190.35 total
- Family $11.95 x 20 pays = $239.13 total
Total premium for our dental plan: (included in all plan numbers)
- Single $549.48 for the year
- Dual $1,189.68 for the year
- Family $1494.60 for the year
If you would like to stay on the POS plan next year, you add the difference between the two plans and the premium share for the HD/HSA plans to come up with the “buy-up” cost”
Full Time member: (16% of HD plan plus difference between HD and PPO plans)
Single $1609.68 + $1261.15 = $2,870.83 to stay on the PPO plan ($143.54 for 20 pays)
Dual $3460.68+ $2712.81 = $6,173.49 to stay on the PPO plan ($308.67 for 20 pays)
Family $4342.68 + $3404.52 = $7,747.20 to stay on the PPO plan ($387.36 for 20 pays)
Part time member: (30% of HD plan plus difference between HD and PPO plans)
Single $3974.34 to stay on PPO plan ($198.74 for 20 pays)
Dual $8,547.19 to stay on PPO plan ($427.36 for 20 pays)
Family $10,726.16 to stay on PPO plan ($536.31 for 20 pays)
Total BOE price of POS plan for 2013-14:
Single $9,491.88/year |difference from HD plan: $9,491.88 – $7882.20 = $1609.68
Dual $20,415.72/year |difference from HD plan: $20,415.72 – $16,955.04 = $3460.68
Family $25,620.96/year |difference from HD plan: $25,620.96 – $21,278.28 = $4342.68
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2012-13 insurance cost sharing rates for teachers (on a per pay basis for 20 pay periods):
Full Time Teachers – co-pay 18%
- Single $74.81 x 20 = $1496.20 total
- Dual $160.90 x 20 = $3218.00 total
- Family $201.93 x 20 = $4038.60 total
Part Time Teachers – co-pay 30%
- Single $124.68 x 20 = $2493.60 total
- Dual $268.17 x 20 = $5363.40 total
- Family $336.55 x 20 = $6731.00 total
Total costs for our health insurance plans for 2012-13: medical & dental appx.
- single = $8,311.80
- dual = $17,877.96
- family = $22,436.40
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2011-12 Costs full time employees paid 17% co-pay deducted
per pay over 20 pay periods total for school year
- Single: $69.28 x 20 = $1385.60 total
- Dual: $149.01 x 20 = $2980.20 total
- Family: $187 x 20 = $3740.00 total
Part time (less than 100%) employees pay 30% of total costs
per pay over 20 pay periods total for school year
- Single: appx. $122.25 x 20 = $2445
- Dual: appx. $262.95 x 20 = $5259
- Family: appx. $330 x 20 = $6600
Total costs for our health insurance plans for 2011-12: medical & dental appx.
- single = $8,150
- dual = $17,530
- family = $22,000
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2010-11 Costs
All full time employees in WEA bargaining unit pay 16% co-pay deducted:
per pay over 20 pay periods total for school year
- Single: $63.09 x 20 = $1261.80
- Dual: $135.71 x 20 = $2714.20
- Family: $170.31 x 20 = $3406.20
Part time (less than 100%) employees pay 30% of total costs
per pay over 20 pay periods total for school year
- Single: appx. $118 x 20 = $2370
- Dual: appx. $254 x 20 = $5085
- Family: appx. $320 x 20 = $6387
Total costs for our health insurance plans for 2010-11: medical & dental
- single = $7,900
- dual = $16,950
- family = $21,290
Insurance Costs for Fairfield County
