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Human Resources Department

Medical Insurance Options

Four medical plan options are available. Three plan options are offered through Humana. The fourth plan option is a Medical Expense Reimbursement Plan, also known as MERP.

Humana Plans

The Humana SmartSuite Guide provides more details on the three plan options offered through Humana, including the prescription drug plan. The plans offer a variety of biweekly premium contributions, deductibles, coinsurance, and copayments. There is no need to identify a primary care physician to participate in any plan. You can call Humana's HOTLINE to get detailed questions answered.

Prescriptions with all three medical plans have a $15 copayment for Level One, a $30 copayment for Level Two, a $50 copayment for Level Three. Level Four prescriptions require 25% coinsurance up to $250 per prescription with an annual out-of-pocket maximum of $2500. Each plan offers a mail order pharmacy benefit that provides a three month supply for the cost of two months.  (View the 2012 Humana Prescription Drug Changes)

MERP

The MERP is a new plan option available to employees who enroll in alternate coverage they have available. The plan provides reimbursement for eligible expenses incurred by the employee under the alternate coverage, including premiums, office visit co-payments, co-insurance as defined in the Plan Document.    View a list of pharmacies that accept the MERP I.D. card.

MERP FAQ's (frequently asked questions).

Employee Contributions

Employee contributions are deducted bi-weekly on a pre-tax basis as shown below:

Coverage is effective the first of the month following 90 days of continuous service. Employee contributions are deducted when the coverage becomes effective.

Working Spouse Provision

When an employee chooses to cover his/her spouse on the health insurance plan, and the spouse has the option of medical coverage with another employer but elects to receive county medical insurance, the employee is required to pay a $35 biweekly surcharge in addition to the rates listed above.