Employee Benefits

Medical Insurance - Employees have the option of two medical plans provided by Cigna Insurance Company:

1. Health Savings Account (HSA) Open Access Plus (OAP) (aka High Deductible Health Plan) - the County pays the employee portion of premiums. There is a small cost to the employee if they wish to also cover eligible dependents.
   • This plan comes with a Health Savings Account (HSA)
2. Copay OAP (aka point of service plan) - this plan has no deductible and the employee pays a larger portion of the monthly premium cost to the County. There is an additional cost to the employee if they wish to cover eligible dependents.

Both plans offer a Prescription Drug Benefit, and Cigna provides up-to-date drug lists online for subscribers.

This comes with the High Deductible Health Plan to allow employees to contribute tax-free payroll dollars (within IRS limits) to an employee owned, tax advantaged savings account, created specifically to help cover the annual deductible cost and help pay for other qualified medical expenses for the employee and any of their eligible dependents, as needed. Qualified Medical Expenses include: Prescriptions, medical, dental and vision costs and some over-the-counter medications.

When the HSA Open Access Plus (OAP) plan (or High Deductible) is selected, the County will contribute to the employee health savings account on a per pay period basis, to assist in building up funds for the employee and/or dependent medical expenses.

On an annual, calendar year basis (prorated for new hires), the County will contribute:

• $1,000 for Employee only coverage
• $2,000 for Family coverage (regardless of the number of eligible dependents covered)

At the end of the calendar year, the accumulated funds roll over to the next year and keep accumulating as contributions are received. These funds move with the employee when they leave their employment with the County.

View the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

Teller County offers one dental plan through Cigna dental preferred provider organization (DPPO). The annual deductibles are as follows:

• Individual: $50
• Family: $150 maximum

There is no deductible applied for Preventative Care

The annual plan maximum coverage, per covered individual, is $1,500. Coverages under this plan are as follows:

• Preventative Services: covered at 100% (no deductible) - Oral Exams, cleanings, sealants, bitewing X- rays, full-mouth X-rays, fluoride, and space maintainers
• Basic Services: covered at 80% after deductible - Fillings, simple extractions, endodontics and periodontics.
• Major Services: covered at 50% after deductible - Crowns, Dentures, Bridges, in-lays and on-lays.
• Orthodontia: covered 50% to $750 for children up to age 19.

Teller County offers vision coverage through Vision Service Plan (VSP) Choice Network at no cost to you and your dependents. The following is a high-level overview of your vision coverage:

• Exam (once every 12 months): $20 Co-pay
• Materials: $20 Co-pay
• Lenses (once every 12 months): Single Vision 100% covered after a $20 Co-pay, Bifocal, Trifocal/Lenticular
• Frames (once every 24 months): $130 allowance, with 20% savings on the amount over $130
• Contact Lenses (once every 12 months; in lieu of glasses): $130 Allowance

Provided by Mutual of Omaha

Basic term life insurance in the amount of $25,000, with an equivalent amount of accidental death and dismemberment benefit, is provided to all Full-time employees at no cost.

Voluntary Term Life insurance - Employees have the option to purchase various amounts, for themselves, their spouse and children, at a premium rate based on their age at the time of issuance. Employee and Spouse rates are calculated separately. Spouse rates are based on the employee's age.

• Employee Amount: Choice of $10,000 increments, not to exceed 5 times your annual salary to a maximum of $150,000
• Spouse: Choice of $5,000 increments, not to exceed 100% of the employee elected amount to a maximum of $50,000
• Children: 
  • 14 days to 6 Months: $250 coverage
  • 6 Months and up: $10,000 coverage to age 26

Voluntary Long-Term Disability - this benefit is intended to protect your income for a long duration after you have depleted any leave Teller County may offer. The benefit is paid for by the employee with after tax dollars, and the premium is based on your age an annual salary each calendar year. If elected, this voluntary benefit would cover 50% of your monthly salary after 90 days of non-work related illness or injury.

This is a free benefit offered to all Full-time and Part-time employees, spouses and unmarried dependent children to age 26 are covered. Helping Employees Balance Work, Family and Life. Problems are a part of life. That is why Teller County provides a confidential Employee Assistance Program (EAP) to all of our employees for issues such as:

• Family problems
• Relationship issues
• Grief
• Stress, depression or anxiety
• Substance Abuse
• Workplace difficulties

Other Services include:

• Personal and Family Legal advisement
• Financial professionals
• Other resources to assist your emotional and mental well-being and bring balance to your life.

EAP licensed and professional counselors are there to help with life's problems, 24/7/365.

This benefit is provided to all employees at no cost, whether you enroll in the medical plan or not. Additionally, these services are available to any dependents you have. The Teledoc service gives you access to US board-certified doctors to assist you in resolving many of your medical issues, 24/7/365, via phone or online video for a $0 consultation fee, from wherever you may be. If diagnosed, any required prescriptions are called into your pharmacy of record or request.

Premiums are paid for by the employee, and benefit claims payments will be sent directly to the primary insured. The following group plans are available:

• Group Accident Insurance - coverage for employee and their family when an accident occurs, to help the policyholder cope with out-of-pocket expenses
• Critical Illness (CI) - coverage for employee and spouse, includes coverage for cancer, heart attack, stroke, kidney failure, and other CI diagnosis'.
• Hospital Indemnity - this provides coverage for hospital admission, confinement, intensive care unit (ICU) and emergency room (ER).
• Short-Term Disability - covers 60% of employee monthly income for the first 90 days of an unexpected, non-work related accident or illness.

Teller County offers three retirement plans through Colorado Retirement Association (CRA). Two plans are “tax-favored” and available to all full-time employees and those part-time employees working at least 1040 hours per calendar year. A variety of investments options are available:

• 401(a) Defined Contribution Plan—Mandatory for all full and part time employees, who work a minimum of 1040 hours per year. This benefit starts after completion of six months of service at which time employee contributes a fixed 4% each pay period. The County match is 7%.
• 457(b) Deferred Compensation Plan—Optional participation at any time during employment. You specify the amount you wish to contribute per pay. Partial County match available after completion of five years of service.
• 457(b) Roth IRA – Optional participation at any time during employment. You specify the amount you wish to contribute per pay. A Roth IRA is a special individual retirement account (IRA) where you pay taxes on money going into your account, and then all future withdrawals are tax free.

1) VACATION

Paid Vacation Leave is available to Full-Time Employees according to the following schedule:

2) MEDICAL/BEREAVEMENT/EMERGENCY LEAVES (M/B/E)

M/B/E leave will accumulate on the employee's monthly anniversary date at the rate of ten (10) hours for each month of full-time employment.  One hour of M/B/E leave will accumulate for every 30 hours worked for all other employees.  
*Teller County has opted out of participation in the FAMLI program.*

3) Full- Time Employees receive 12 Paid Holidays.