Health Benefits
Medical - Dental - Vision
Washoe County offers its employees comprehensive medical, dental, and vision insurance coverage. Employees are eligible for health benefits after 90 days of employment.
- New employees hired on or after July 1, 2016 will be enrolled in the High Deductible Health Plan with a Health Savings Account for a minimum of two plan years. After that time, employees have the option during Open Enrollment to select from one of our three health plans: Self-funded Group Health Plan, which utilizes a Preferred Provider Organization (PPO), a Health Savings Account (HSA) paired with a qualified High Deductible Health Plan (HDHP) or a Health Maintenance Organization (HMO).
- The County pays all or a portion of the premium cost for employee coverage based on employee contract agreements. For employees who wish to cover their dependents, premiums are deducted each pay period on a pre-tax basis. Employees pay 50% of dependent premiums. *Domestic Partner Premium is a post-tax deduction.
- Summary of Benefits
- Benefit Comparison
- Qualifying Life and Work Event Timeline
- Glossary of Terms
- Medical Insurance FAQs
Self-funded PPO Plan
The PPO Plan is administered by Hometown Health and the Hometown Health Network of providers.
Prescription benefits under this plan are managed by MaxorPlus.
High Deductible Health Plan (HDHP) with a Health Savings Account (HSA)
The High Deductible Health Plan (HDHP) is administered by Hometown Health and the Hometown Health Network of Providers. The HDHP is paired with a Health Savings Account (HSA) which is administered by American Fidelity Assurance Company.
Prescription benefits under this plan are managed by MaxorPlus.
Health Maintenance Organization (HMO)
This plan is administered by Prominence Health Plan, with prescription benefits managed by Medimpact.
- Prominence HMO Summary of Benefits
- Prominence HMO Evidence of Coverage
- Prominence HMO Provider Network
This GAP Plan is administered by American Fidelity Assurance Company, and is designed to help cover a portion of your out-of-pocket expenses with the HMO group health plan.
Dental and Vision Benefits
The Dental and Vision benefits are the same for all employees, regardless of which medical coverage is elected. Coverage under the dental and vision benefit plans is bundled with the medical plans, so employees are not able to opt out of any coverage offered.
The self-funded dental plan is administered by Hometown Health and the network of PPO dental providers is managed by Guardian:
Find an In-Network Provider:
- Go to guardiananytime.com and select Search Providers
- Under Plan Type, select PPO
- Enter a Zip Code or City and State and Provider Last Name or Office Name, if available.
Self-funded vision benefits are with Vision Service Plan (VSP):
Vision Service Plan (VSP) Provider Network
Life Insurance
Washoe County provides its employees with basic life insurance coverage up to $20,000. Supplemental life insurance is available for purchase; please see additional information under Supplemental Benefits web page.
COBRA
The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mandates that employers offering health insurance with 20 or more employees must continue to offer employee benefits when they quit, are laid off or fired, or have their work hours reduced. Additionally, benefits must be offered to the employee’s spouse and dependents. COBRA benefits apply to health care plans, dental plans, vision plans, prescription drug plans, etc. Benefits may continue for up to 18, 24, 29 or 36 months, depending on the cause for the loss of benefits.
Monthly COBRA Premium Rates CY 2021
Option A = Medical, Vision and Dental (No Life Insurance)
Option B = Medical only
Self-funded PPO |
HMO |
Self-funded HDHP |
|
Employee (coverage for one) | |||
Option A | $967.04 | $973.42 | $553.71 |
Option B | $899.74 | $906.12 | $486.41 |
Employee plus Spouse | |||
Option A | $1,924.40 | $1,809.69 | $1,097.18 |
Option B | $1,796.90 | $1,682.19 | $969.68 |
Employee plus Child/ren | |||
Option A | $1,755.57 | $1,642.90 | $1,011.34 |
Option B | $1,638.10 | $1,525.63 | $894.07 |
Employee plus Family | |||
Option A | $2,636.35 | $2,529.85 | $1,476.81 |
Option B | $2,455.41 | $2,348.92 | $1,295.87 |
Rates for Dependents Only |
|||
Option A | |||
Spouse | $967.04 | $973.42 | $553.71 |
One Child Only | $967.04 | $973.42 | $553.71 |
Two + Children | $1,755.37 | $1,642.90 | $1,011.34 |
Spouse and Child/ren | $1,755.37 | $1,642.90 | $1,011.34 |
Option B | |||
Spouse | $899.74 | $906.12 | $486.41 |
One Child Only | $899.74 | $906.12 | $486.41 |
Two + Children | $1,638.10 | $1,525.63 | $894.07 |
Spouse and Child/ren | $1,638.10 | $1,525.63 | $894.07 |
Flexible Spending Account (FSA)
Washoe County's Flexible Spending Benefit Plan is administered by American Fidelity Assurance Company.
Dependent Day Care Flexible Spending Account
Health Flexible Spending Account
The benefit information provided is subject to change. If there are conflicts of benefit descriptions at any time, the plan document for that benefit will prevail.
Benefits - Quick Reference Sheet