GARFIELD COUNTY SHERIFF’S OFFICE 2022 & 2023 BENEFITS SUMMARY
MEDICAL
· Dependents up to age 26 are covered, regardless of status.
· In-network coverage at 80% and out-of-network coverage at 60%.
· You pay all costs up to the deductible amount of your plan.
· PPO IV is a BUY UP plan.
· HDHP3/HAS is a partially county funded plan starting in 2023.
· PPO V is the county-funded plan.
Marathon Health Clinic- No cost health and wellness care for all employees, spouses and dependents that are enrolled in medical plan.
Employee Costs
2022 PPO IV:
Employee only -$26.50 per paycheck, for 24 of 26 paychecks
Employee and Spouse - $61.50 per paycheck, for 24 of 26 paychecks
Employee and Child/Children - $57.00 per paycheck, for 24 of 26 paychecks
Employee and family - $68.00 per paycheck, for 24 of 26 paychecks
Flexible Spending Account Maximum need to read $2750
2023 PPO IV:
Employee only -$28.00 per paycheck, for 24 of 26 paychecks
Employee and Spouse - $65.00 per paycheck, for 24 of 26 paychecks
Employee and Child/Children - $60.50 per paycheck, for 24 of 26 paychecks
Employee and family - $72.00 per paycheck, for 24 of 26 paychecks
Flexible Spending Account Maximum need to read $2750
2023 PPO V and HDHP3:
No cost to the employee for any level of coverage (adding spouse and/or dependents).
Deductibles Per Individual:
PPO IV: $1,500 individual/$4,500 family
PPO V: $2,500 individual/$7,500 family
Office Visit Co-Pays:
PPO IV: $40
PPO V: $45
Maximum Out-of-Pocket:
PPO IV: $4,000 individual/$8,000 family
PPO V: $4,500 individual/$9,000 family
After meeting your maximum out of pocket, your coverage will continue at 100%.
DENTAL
Preventive care is covered at 100%, basic care at 80%, and major care at 50%. Basic Care and Major Care have a $50 per person annual deductible. There is a $1,750 per individual maximum per calendar year. Orthodontic care is available for children and must be completed by age 19 with a $2,500 lifetime maximum per individual.
VISION
Employees must choose a physician from the network.
Complete Eye Exam – once every calendar year $20.00 Co-pay
Lenses once every calendar year.
Lenses per pair Single, Bifocal, Trifocal, Lenticular $20.00 Co-pay
Contacts once in a 24 month period $130.00 allowance
Frames once in a 24 month period $130.00 allowance
There is a “Buy-Up” option for Vision Insurance. The difference between the buy-up and the base plan is that contacts and/or frames can be purchased once every calendar year (12 month period) and the allowance for frames go up to $180.00.
FLEXIBLE BENEFIT PLAN
Flexible Spending Account maximum contribution: $3050.00
EMPLOYEE ASSISTANCE PLAN (EAP)
EAP is a confidential service for employees and family members. The EAP offers counseling and educational services on a variety of topics.
LIFE INSURANCE
This plan provides a $50,000 term life insurance and AD&D benefit for employees. Voluntary life insurance is also available for the employee, spouse and dependents.
RETIREMENT PLAN
401(a) - Employees with less than 10 years of service contribute 5 percent of their gross earnings (pre-tax) and the county matches this amount. Employees with 10+ years of services contribute 6 percent of their gross earnings (pre-tax) and the county matches this amount. The county’s contribution is fully vested in five years at a rate of 20% per year, or age 55.
457(b) - Individuals can make additional, (after-tax) voluntary retirement or (pre-tax deferred) compensation contributions; these aren’t matched.