Rates
Rate Information
All rates shown below are monthly deduction amounts. Effective July 1, 2025, Effingham County Schools contributes $1,885 per employee per month (Classified and Certified) towards your medical coverage.
Important Notes
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Voluntary life rates for employee and spouse coverage are sample premiums.
-
Disability rates are sample premiums. Your actual monthly deduction is based on plan election, salary, and age.
Your specific premiums can be found on the enrollment portal or by calling the Benefits Service Center.
Health Insurance - Medical Premiums
2025 Anthem HRA Gold
- Employee: $194.67
- Employee + Spouse: $482.76
- Employee + Child(ren): $355.26
- Family: $643.35
2025 Anthem HRA Silver
- Employee: $131.17
- Employee + Spouse: $349.41
- Employee + Child(ren): $247.31
- Family: $465.55
2025 Anthem HRA Bronze
- Employee: $82.67
- Employee + Spouse: $247.56
- Employee + Child(ren): $164.86
- Family: $329.75
2025 Anthem HMO
- Employee: $157.53
- Employee + Spouse: $404.77
- Employee + Child(ren): $292.12
- Family: $539.36
2025 UHC HMO
- Employee: $196.58
- Employee + Spouse: $486.77
- Employee + Child(ren): $358.50
- Family: $648.69
2025 UHC HDHP
- Employee: $72.69
- Employee + Spouse: $226.60
- Employee + Child(ren): $147.89
- Family: $301.80
2026 Anthem HRA Gold
- Employee: $213.71
- Employee + Spouse: $531.82
- Employee + Child(ren): $390.68
- Family: $708.79
2026 Anthem HRA Silver
- Employee: $146.11
- Employee + Spouse: $389.86
- Employee + Child(ren): $275.76
- Family: $519.51
2026 Anthem HRA Bronze
- Employee: $92.12
- Employee + Spouse: $276.48
- Employee + Child(ren): $183.97
- Family: $368.33
2026 Anthem HMO
- Employee: $177.21
- Employee + Spouse: $455.17
- Employee + Child(ren): $328.63
- Family: $606.59
2026 UHC HMO
- Employee: $217.19
- Employee + Spouse: $539.13
- Employee + Child(ren): $396.59
- Family: $718.53
2026 UHC HDHP
- Employee: $81.11
- Employee + Spouse: $253.36
- Employee + Child(ren): $165.26
- Family: $337.51
TRICARE
- Employee: $60.50
- Employee + Spouse or Child(ren): $119.50
- Family: $160.50
Dental Insurance
Dental - Base Plan
- Employee: $32.26
- Employee + Spouse: $52.67
- Employee + Child(ren): $39.39
- Family: $88.19
Dental - Core Plan
- Employee: $47.51
- Employee + Spouse: $76.61
- Employee + Child(ren): $57.26
- Family: $128.27
Dental - Buy-Up Plan
- Employee: $60.67
- Employee + Spouse: $97.29
- Employee + Child(ren): $85.59
- Family: $183.30
Vision Insurance
Vision
- Employee: $8.82
- Employee + Spouse: $14.71
- Employee + Child(ren): $15.40
- Family: $24.04
2026 Vision
- Employee: $10.14
- Employee + Spouse: $16.92
- Employee + Child(ren): $17.71
- Family: $27.65
Voluntary Life Insurance
Voluntary Life - Employee (Sample Premiums)
- $50,000 Benefit
- Age - 25: $3.00
- Age - 35: $4.70
- Age - 45: $12.45
- Age - 55: $33.00
- $100,000 Benefit
- Age - 25: $6.00
- Age - 35: $9.40
- Age - 45: $24.90
- Age - 55: $66.00
- $150,000 Benefit
- Age - 25: $9.00
- Age - 35: $14.10
- Age - 45: $37.35
- Age - 55: $99.00
Voluntary Life - Spouse (Sample Premiums)
- $10,000 Benefit
- Age - 25: $0.60
- Age - 35: $0.94
- Age - 45: $2.49
- Age - 55: $6.60
- $50,000 Benefit
- Age - 25: $3.00
- Age - 35: $4.70
- Age - 45: $12.45
- Age - 55: $33.00
- $100,000 Benefit
- Age - 25: $6.00
- Age - 35: $9.40
- Age - 45: $24.90
- Age - 55: $66.00
Voluntary Life - Child (Actual Premium Premiums)
- $10,000: $1.90
- $20,000: $3.80
Universal Life
Universal Life (Sample Premium - $25,000)
- Universal Life - Female Non-Smoker Age 45
- Approximate Monthly Premium: $37.53
- Approximate Cash Value at Age 65: $5,380
- Death Benefit at Age 45: $25,000
- Death Benefit at Age 75: $25,000
- Maximum Long Term Care Benefit: N/A
Universal LifeEvents with Long Term Care (Sample Premium - $25,000)
- Universal LifeEvents with Long Term Care - Female Non-Smoker Age 45
- Approximate Monthly Premium: $27.39
- Approximate Cash Value at Age 65: $1,745
- Death Benefit at Age 45: $25,000
- Death Benefit at Age 75: $8,333
- Maximum Long Term Care Benefit: $25,000
Disability Insurance
Short Term Disability (Sample Premiums)
- $10,000 Salary | Week Benefit $96.15:
$4.65 - $20,000 Salary | Week Benefit $192.31:
$9.31 - $40,000 Salary | Week Benefit $384.62:
$18.62 - $50,000 Salary | Week Benefit $480.77:
$23.27 - $70,000 Salary | Week Benefit $673.08:
$32.58
Long Term Disability - 50% Benefit at Age 45 (Sample Premiums)
- $10,000 Salary | Month Benefit $416.67:
$13.97 - $20,000 Salary | Month Benefit $833.33:
$27.93 - $40,000 Salary | Month Benefit $1,666.67:
$55.87 - $50,000 Salary | Month Benefit $2,083.33:
$69.83 - $70,000 Salary | Month Benefit $2,916.67:
$97.77
Critical Illness
Critical Illness - Employee
- $5,000 Coverage
- Age 35: $2.45
- Age 45: $4.75
- Age 55: $8.50
- $10,000 Coverage
- Age 35: $4.90
- Age 45: $9.50
- Age 55: $17.00
Critical Illness - Spouse
- $5,000 Coverage
- Age 35: $2.75
- Age 45: $5.05
- Age 55: $8.80
- $10,000 Coverage
- Age 35: $5.50
- Age 45: $10.10
- Age 55: $17.60
Accident
Accident
- Employee: $8.63
- Employee + Spouse: $14.75
- Employee + Child(ren): $17.73
- Family: $23.85
Hospital Indemnity
Hospital Indemnity
- Employee: $21.92
- Employee + Spouse: $38.71
- Employee + Child(ren): $33.02
- Family: $49.81
Group Legal
Group Legal
- Family Coverage: $18.25
Identity Theft
Identity Theft
- Employee Only: $9.95
- Family: $17.95
