Coverage Highlights & Premiums

Plans go beyond medical coverage to include vision, dental, life and long-term disability (LTD) insurance. Review this chart to see what is included with your premium.

The following groups do not have all the benefits listed in this chart.

• Retirees: Basic life insurance is provided at $15,000 for the insured retiree only. Flexible Spending Accounts (dependent care & healthcare), Accidental Death & Dismemberment Insurance and Long-Term Disability Insurance are not available to retirees. Additionally, retiree premiums are processed a month in arrears, similar to a utility bill. If you make any plan changes, your January payment will remain the same as in 2025, as it will be applied to your December premium. The new premium payment reflecting your Open Enrollment elections will begin in February, covering your January premium.
• COBRA: Life Insurance, Accidental Death & Dismemberment Insurance and Long-Term Disability Insurance are not available to covered members on COBRA.
• Local Area Agreement (LAA) & Chapter 615: Flexible Spending Accounts (dependent care & healthcare), Life Insurance, Accidental Death & Dismemberment Insurance and Long-Term Disability Insurance are not available to members insured on the Harris County plan through the Local Area Agreement (LAA) or Chapter 615.

COVERAGE HIGHLIGHTS

EMPLOYEES

RETIREES

Non-Medicare Eligible Retiree Rates

Spouse NOT Enrolled in Humana Medicare Advantage PPO Plan

Spouse ENROLLED in Humana Medicare Advantage PPO Plan

Medicare Eligible Retiree Rates

Both Retiree and Spouse NOT Enrolled in Humana Medicare Advantage PPO Plan

Both Retiree and Spouse ENROLLED in Humana Medicare Advantage PPO Plan

Retiree ENROLLED in Humana Medicare Advantage PPO Plan and Spouse Enrolled in Aetna Base/Plus PPO Plan

COBRA (premiums are monthly)