EMPLOYEES - WELCOME TO OUR BENEFITS HOMEPAGE!!
Douglas County is providing this information as a convenient source for current employees and retirees to gain an overview of information regarding insurance benefits. Some of the information relies on the accuracy of data provided by various insurance companies or third party administrators. Also, information presented on this website does not promise or guarantee plan participation, coverage, or premium rates.
The County is not responsible for plan and/or coverage elections selected by employees. Insurance coverage may be subject to specific provisions of a collective bargaining agreement, therefore bargaining unit employees should refer to their respective contracts.
Disclaimer: The provisions of this information are not intended and do not create an express or implied contract of employment or an offer of employment between the County and its employees nor any guarantee or promise that benefits referenced here are permanent or cannot be changed. While retirees and current employees are offered the opportunity to participate in a subsidized medical insurance program until age 65, the ability to participate as well as the premiums are not guaranteed in the future and are subject, at any time, to change by the County Board of Commissioners. If there is any conflict in the information state or otherwise communicated, the plan provisions prevail. Please contact Human Resources with any questions.
What’s New for 2016
No premium increase on the United HealthCare PPO and HSA medical plans
No increase on the Delta Dental PPO dental plan
FSA Medical Spending Account increase from $2,500 to $2,550
HSA Family Contribution Limit increase from $6,650 to $6,750
If you have any questions, would like more specific information, or would like to schedule an appointment to discuss your benefits in greater detail, please contact one of the following individuals:
Benefits Admin. Manager
Medical Insurance Information
Douglas County offers medical/vision coverage to all employees. The County provides two types of plans: Preferred Provider Organization (PPO) and a Health Savings Account (HSA).
NEW FOR FALL OF 2015!! UHC participants now have the additional option of getting their flu shots at one of the participating pharmacies. See flyer below for the list of pharmacy providers and other details. **Please note, flu shots are 100% covered under Douglas County's PPO plans if the covered participant has not exceeded their annual preventative care limit (this does not apply to the CDHP/HSA plan). See the "Medical Plan Information" section for the plan summary and the preventative care limitations.
The PPO and HSA plans are administered by United Healthcare (UHC).
Vision Insurance Information
All employees and their dependents that are enrolled in the medical plan are eligible for this benefit. All employees and their dependents covered under the medical plan will be able to receive an eye examination from a participating United HealthCare Vision Provider at a $20 copayment. Employees may elect an additional vision materials benefit at the same tier level as their medical/dental benefit (Example: If an employee has the Employee +2 or more medical tier they must elect the Employee +2 or more vision materials tier).
Employees have a $20 co-pay for their eye exams and employees with medical coverage do not have to elect the additional Vision Materials Benefit to get an eye exam every 12 months (when using one of the participating UHC Vision providers). But if an employee wants to have the frames and lenses or contacts coverage they will need to elect the additional materials benefit.
Healthy Directions Wellness Program
Viverae Customer Service: (888) 848-3723
All United HealthCare PPO/HSA health plan covered employees and their spouses are able to participate in a new wellness program with Viverae. This health management program is run on a point system. You earn points throughout the year for completing certain health related program activities. Then, you obtain the required number of points by December 1 to receive your incentive. You will be required to complete a Biometric screening and a Member Health Assessment Survey as two of the mandatory activities.
The Viverae website link found above will help you track your progress online, complete online webinars for additional points, and give great information on wellness and upcoming events. It will be your personal health management site with your own personal credentials. All programs are confidential and in compliance with the Health Insurance Portability and Accountability Act (HIPPA).
If you were unable to participate in the biometric screenings in March/April or your employment started after the screenings, you can still earn your biometric points by having your annual physical and asking your physician to submit the results to Viverae (contact Viverae for instructions).
The Healthy Directions Program is a vital part of our overall benefits program. Whether your goal is to have more energy, to lose weight, to manage stress, or to improve your diet, the Healthy Directions Worksite Wellness Program can help you.
Healthy Directions Wellness Committee
Commit To Be Fit
Our Mission: Building healthier lives for Douglas County employees by empowering lifestyle change though education and support.
Dental Insurance Information
Dental coverage is provided along with the medical coverage. In order to obtain the dental coverage, employees must enroll in the medical insurance also. The two plans are a package, therefore, the employee must elect the same "tier" level (employee coverage, employee plus one coverage, etc.) for both medical and dental insurance.
Click on the DELTA DENTAL logo above for website and provider listings. Douglas County employees may use providers in the Delta Dental PPO and Delta Dental Premier networks.
Life Insurance Information
Employee Life Insurance
Douglas County provides each benefits eligible employee with $15,000 Basic & AD&D life insurance coverage. A new employee can elect optional life coverage up to six times their salary with a limit of $300,000 without providing evidence of insurability.
During each Open Enrollment, all employees may complete an evidence of insurability form and request to increase their optional life insurance. They may request up to six times their salary with a maximum of $500,000.
The Optional Life rates are payroll deducted on the first check of each month. A premium rate chart is provided below. To calculate your premium per month, find your age in the first column. Then, determine how much insurance coverage you want. Multiply your cost by the number of $10,000 increments. The answer is your monthly premium.
The amount of insurance on an employee or spouse age 65 or older shall be a percentage of the amount provided by the plan of insurance applicable to such employee and/or spouse in accordance with the following table:
Age of Employee/Spouse Amount of Insurance
Age reductions will apply the first day of the month following an insured employee's and/or spouse's 65th, 70th, 75th, 80th, 85th and 90th birthdays.
Retiree coverage terminates at age 65.
Spouse Life Insurance Coverage
A new employee may elect spouse life insurance in amounts of $10,000 or $20,000 NOT to exceed 50% of the employee’s optional life amount. The premium rates for the spouse coverage are based on the table provided below.
During each Open Enrollment, all employees may complete an evidence of insurability form and make a request to increase the spouse life insurance coverage. They may request up to 50% of the employee’s optional life coverage with a maximum of $250,000.
Child Life Insurance and Premium Rates
A newly eligible employee may elect dependent child life insurance in increments of $2,000 up to a maximum of $10,000. The rate is $.20 per $2,000 of coverage. Children are eligible from birth up to the attainment of age 26.
During each Open Enrollment, all employees may complete an evidence of insurability form and make a request to increase the child life coverage.
Minnesota life also offers the County's employees Travel and/or Will Preparation assistance. To get more information on the Travel Assistance go to www.lifebenefits.com/travelassistance and for the Will Preparation go to the Life Works website.
Payflex is our FSA provider. FSA accounts can save employees on their unreimbursed medical expenses, dependent day care, and/or parking expenses through reductions in taxes when these benefits are selected.
Type of Coverage 2016 Limit
Medical FSA $2,550.00
Daycare FSA $5,000.00
Parking FSA $2,200.00
Any balance of $500 or less left in your Medical FSA at the end of the calendar year will be automatically carried over and added to your next year’s Medical FSA election. It can be used for expenses incurred in that new year.
Click on Payflex’s website below to set up Direct Deposit for reimbursements, account balances, submitting and/or viewing claims.
CHI Health Employee Assistance Program
Don't know where to turn? Help is just a call a way!!
402-398-5566 or 1-888-847-4975
The County offers, on a voluntary basis, a 457 deferred compensation program, so employees can set aside additional monies for retirement. The contributions to these plans are tax deferred and are not taxable until they are withdrawn. Edward Jones, Voya, and Nationwide each have a program that you can choose from. They administer these plans. To get materials and more information about these plans, contact one of the Benefit Team members listed at the top of this page or speak directly to the companies. Refer to the Quick Links tab for vendor's contact information.
Defined Benefit Pension Plan
The Douglas County Retirement Plan was established January 1, 1963. This is a mandatory pension plan in that everyone eligible for benefits will contribute 8.5% of their gross pay beginning with their first paycheck. The County also contributes 8.5% of the gross payroll of all employees. By law, the county cannot contribute more than the employee contributions. The contributions are invested with several investment managers and overseen by an investment adviser, an asset consulting group, the Pension Committee, and the County Board.
An employee becomes partially vested after 5 years of full-time employment and is fully vested after 10 years of full-time service. For more information go to the Douglas County Pension Website.
Long Term Disability Plan
Long Term Disability benefits are administered by Cigna. After six consecutive calendar months of total disability, an eligible employee may be entitled to a benefit in the amount of seventy percent (70%) of the compensation on the January 1 preceding disability. Please refer to the certificate booklet "Group Disability Income Insurance Policy" for more detailed information concerning eligibility.