Skip to main content
An official website of
Montgomery County, Maryland MC311
Office of Human Resources

OHR Home Comparing Your 2015 and 2016 Group Insurance Rates
Active Employees 		Go Back
Instructions
1. Enter the information (A and B) below if you are interested in Optional Life insurance.
2. Enter all of your current 2015 plans (displayed on your pay slip) in the "Current 2015 Election" column.
3. Enter all of the plans you are thinking about electing for 2016 in the "Possible 2016 Election" column.
4. Click the Calculate button.

IMPORTANT: If you experience a change in age or salary during a plan year, this may affect your Optional Life insurance rate since it is based on age and salary. Also, note that Optional Life insurance ends at age 70.
A. What is your annual salary? $ per year.
B. Your age in 2015:    Your age in 2016:

TypePlan OptionPay Slip CodeCurrent
2015
Election		Current
2015
Rate		Possible
2016
Election		Possible
2016
Rate
MedicalCareFirst BCBS Point of Service High OptionBCBS HI 0.00 0.00
CareFirst BCBS Point of Service Standard OptionBCBS STD 0.00 0.00
United HealthcareUH HMO 0.00 0.00
Kaiser Permanente (Includes Kaiser Rx coverage)Kaiser 0.00 0.00
PrescriptionCaremark High Option Rx $4/$8 *RX 4_8 0.00 0.00
Caremark High Option Rx $5/$10 **RX 5_10 0.00 0.00
Caremark Standard OptionRX STD 0.00 0.00
DentalUnited Concordia Dental PPO (Traditional Plan)UC PPO 0.00 0.00
United Concordia Dental HMO (DHMO)UC DMO 0.00 0.00
VisionNVA Vision PlanVision 0.00 0.00
Life InsuranceEmployee Optional Life ***Optional Life 0.00 0.00
Dependent Life ****Dep Life 0.00 0.00
Biweekly Subtotal Cost - Employee's Portion $0.00 $0.00
Your estimated total biweekly cost difference: $0.00
Your estimated total annual cost difference: $0.00
*  IAFF/MCGEO
**  FOP/Unrepresented
***  The maximum coverage amount is $1,000,000.00 for both 2015 and 2016.
****  Level 1: $2,000–spouse, $1,000–child to 26 yrs
Level 2: $4,000–spouse, $2,000–child to 26 yrs
Level 3: $10,000–spouse, $5,000–child to 26 yrs

This tool helps you estimate the difference you would pay based on the group insurance plans you elect for 2016 compared to 2015. Please note that you cannot elect or change plans through the use of this tool. Also, this estimator does not include any Flexible Spending Account (FSA) amount you elect. (Note: FSA biweekly amounts can be determined by dividing the annual amount you elect by 26 pay periods.) If you cover a domestic partner and/or a domestic partner's child, the rates displayed do not include imputed income (refer to the Group Insurance Summary Description for more information). This estimator applies to active, eligible employees of the County. It does not apply to employees who are temporary or retired. It also does not apply to employees of participating agencies, or who have 10-month rates.