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Health and Dental Insurance
Cigna 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 $26.38/month, or they may choose the high-deductible plan (HSA 2700) with a Health Savings Account. For FY 19-20, the county will contribute $150.00/month ($1,800/year) into an employee's Health Savings Account.

Churchill County also pays 100% of employee-only coverage for the dental plan offered through Cigna.

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 insurance plans available to employees and retirees:
        Open Access 1500 ($1500 Deductible) 
        Open Access 750 ($750 Deductible - Buy-Up Plan) 
        HSA 2700 ($2700 Deductible, with a Health Savings Account)

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.

        Open Access 1500 ($1500 Deductible) 
        Open Access 750 ($750 Deductible) 
        HSA 2700 ($2700 Deductible)

Full Booklets: The full booklets describing each plan in further detail are available below.
Open Access 1500 
Open Access 750 
HSA 2700 

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). 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 Open Access 750 HSA 2700
Employee (EE)  $   0.00
  Employee (EE)  $    26.38

Employee (EE)
 $     0.00
EE + Spouse  $ 592.49 EE + Spouse  $   638.46 EE + Spouse  $ 594.54
EE + Child*  $ 392.32 EE + Child*  $   431.68 EE + Child*  $ 339.74
EE + Family  $ 984.84 EE + Family  $ 1,043.74 EE + Family  $ 908.18

(For FY 19-20, the county will contribute $150.00/month into an employee's Health Savings Account for employees who choose the HSA 2700 plan.)

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