Health & Dental Insurance

Cigna Medical Insurance

Churchill County pays 100% of employee-only coverage for the base medical plan (Open Access 1500) offered through Cigna. Employees may purchase dependent coverage, with the employee paying 100% of the dependent premiums through payroll deduction. Employees may also choose to "buy up" to a slightly richer plan (Open Access 750) for $28.16 per month, or they may choose the high-deductible plan (HSA 2700/2800) with a Health Savings Account. For Fiscal Year 2020 to 2021, the county will contribute $150.00 per month ($1,800 per year) into an employee’s Health Savings Account.

Cigna Dental Insurance

Churchill County also pays 100% of employee-only coverage for the base dental plan offered through Cigna. Employees may purchase a buy-up plan if they choose. The slightly richer plan would cost the employee $11.46 per month (for employee-only coverage). The buy-up plan includes orthodontia coverage for children (below 19 years of age) in the amount of $1,500 for each covered child’s lifetime.

The Cigna website contains a wealth of information, including a way to find medical care providers.

Cigna Summary Plan Descriptions

Following are Summary Plan Descriptions for each of the health and dental insurance plans available to employees and retirees:

Summaries of Benefits and Coverage (SBCs): To help individuals better understand the plans, the County has posted Summaries of Benefits and Coverage (SBCs) for each the plans available. These forms meet the standards for notices required under the federal Affordable Care Act.

Full Booklets: The full booklets describing each plan in further detail are available below.

Employee Premiums

Churchill County is pleased to pay 100% of the employee-only premiums of the base plan (Open Access 1500) to provide comprehensive health insurance coverage for its employees. Employees may choose to buy up to a richer plan (Open Access 750) or choose a high-deductible health plan that includes a health savings account (HSA 2700/2800). Employees may also elect dependent coverage, for which employees pay 100% of the premiums. The monthly premiums are listed below for each of the plans.

Open Access 1500

Plan
Fee
Employee (EE) Only
$0.00
EE + Spouse$633.54
EE + Child*$419.50
EE + Family$1,053.06

Open Access 750

Plan
Fee
Employee (EE) Only$28.16
EE + Spouse$682.58
EE + Child*$461.50
EE + Family$1,115.90

HSA 2700/2800

PlanFee
Employee (EE) Only$0.00
EE + Spouse$635.70
EE + Child*$363.26
EE + Family$971.06

(For Fiscal Year 2020 to 2021, the county will contribute $150.00 per month into an employee’s Health Savings Account for employees who choose the HSA 2700/2800 plan.)

*Note: For child coverage, the cost is not per child; the monthly premium covers all children in the family.