Benefits Plans

The Trust offers you a variety of medical plan designs ranging from traditional preferred provider (PPO) plans with a lower deductible to high deductible, consumer-driven Health Savings Account (HSA) health plans. If you’re a smaller community with less than 50 employees, we now offer our Small Group Program designed for small municipalities. UnitedHealthcare is the network provider for all of our medical plans.

Participating municipalities can also buy optional dental and vision coverage at competitive rates through the Aim Medical Trust. Cigna is our partner for group dental and vision coverage providing easy and cost-effective care. Members also have the option to buy group life insurance through our partnership with MetLife.

Click on the button below to download a PDF version of the 2020 Benefits Plan.

Benefits Plans 2020

Large Group Medical and Prescription Plans

2020 Large Group Medical and Prescription Plan Options (>51 Employees)
PLAN HIGHLIGHTS $500 PPO
Plan B 		$750 PPO
Plan C		 $1,000 PPO
Plan D		 $1,500 PPO
Plan E		 $2,800 HDHP
Plan F		 $2,800 HDHP
Plan H		 $3,500 HDHP
Plan I		 $5,000 HRA
Plan J
UnitedHealthcare Choice Plus In-Network In-Network In-Network In-Network In-Network In-Network In-Network In-Network
Deductible
Individual
Family		 $500
$1,000		 $750
$1,500		 $1,000
$2,000		 $1,500
$3,000		 $2,800
$5,600		 $2,800
$5,600		 $3,500
$7,000		 $5,000
$10,000
Coinsurance (applied after deductible is met)
Paid by Insurance
Paid by Individual		 80%
20%		 80%
20%		 80%
20%		 80%
20%		 100%
0%		 80%
20%		 80%
20%		 100%
0%
Out-of-Pocket Maximum (includes deductible and medical/prescription copays)
Individual
Family		 $3,000
$6,000		 $3,250
$6,500		 $3,500
$7,000		 $4,000
$8,000		 $2,800
$5,600		 $4,350
$8,700		 $4,750
$9,500		 $6,250
$12,500
Co-Payments (paid by individual)
PCP Office Visit (PP/Non-PP)
SCP Office Visit (PP/Non-PP)
Virtual Visit
Urgent Care
Emergency Room
Inpatient Hospital		 $15/$25
$30/$50
$10
$75
$250
20%*		 $15/$25
$30/$50
$10
$75
$250
20%*		 $15/$25
$30/$50
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 0%*
0%*
0%*
0%*
0%*
0%*		 10%*/20%*
10%*/20%*
20%*
20%*
20%*
20%*		 10%*/20%*
10%*/20%*
20%*
20%*
20%*
20%*		 0%*
0%*
0%*
0%
0%*
0%*
Wellness Benefit
No Charge No Charge No Charge No Charge No Charge No Charge No Charge No Charge
Prescriptions (paid by individual)
Tier 1
Tier 2
Tier 3
Specialty		 $10
$30
$40
$100		 $10
$30
$50
$100		 $15
$30
$50
$100		 $20
$40
$60
$100		 0%*
0%*
0%*
0%*		 20%*
20%*
20%*
20%*		 20%*
20%*
20%*
20%*		 $10
$30
$60
$100
Lifetime maximum is unlimited for all plan options

Notes:
*After deductible
Medical and prescription copayments accumulate towards the out-of-pocket maximum.
Premium rates are calculated for new municipal members based upon underwriting requirements
set forth by the Indiana Department of Insurance.
PP – Premium Provider Designation
Non-PP – Non-Premium Provider Designation

Small Group Medical and Prescription Plans

2020 Small Group Medical and Prescription Plan Options (<50 Employees)
PLAN HIGHLIGHTS $500 PPO
Plan 1 		$750 PPO
Plan 2		 $1,500 PPO
Plan 5		 $1,000 PPO
Plan 7		 $2,800 HDHP
Plan 8		 $3,000 HDHP
Plan 9		 $4,000 HDHP
Plan 10		 $6,550 HDHP,
Plan 11
UnitedHealthcare Choice Plus In-Network In-Network In-Network In-Network In-Network In-Network In-Network In-Network
Deductible
Individual
Family		 $500
$1,000		 $750
$1,500		 $$1,500
$3,000		 $1,000
$2,000		 $2,800
$5,600		 $6,000
$12,000		 $6,250
$12,500		 $6,500
$13,000
Coinsurance (applied after deductible is met)
Paid by Insurance
Paid by Individual		 80%
20%		 80%
20%		 80%
20%		 50%
50%		 100%
0%		 80%
20%		 80%
20%		 100%
0%
Out-of-Pocket Maximum (includes deductible and medical/prescription copays)
Individual
Family		 $3,000
$6,000		 $3,500
$7,000		 $5,000
$10,000		 $6,500
$13,000		 $2,800
$5,600		 $6,000
$12,000		 $6,250
$12,500		 $6,500
$13,000
Co-Payments (paid by individual)
PCP Office Visit
SCP Office Visit
Virtual Visit
Urgent Care
Emergency Room
Inpatient Hospital		 $15/$25
$15/$25
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 $15/$30
$30/$60
$10
$75
$250
20%*		 0%*
0%*
0%*
0%*
0%*
0%*
Wellness Benefit
No Charge No Charge No Charge No Charge No Charge No Charge No Charge No Charge
Prescriptions (paid by individual)

Tier 1
Tier 2
Tier 3**
Specialty**
$10
$30
$40
$100
$10
$40
$60
$100
$15
$30
$60
$100
$5
$50
$100
$250
0%*
0%*
0%*
0%*
20%*
20%*
20%*
20%*
20%*
20%*
20%*
20%*
0%*
0%*
0%*
0%*
Lifetime maximum is unlimited for all plan options

**Tier 3 & Specialty Ded $250 Indiv $500 Fam

 

Notes:
*After deductible
Medical and prescription copayments accumulate towards the out-of-pocket maximum.
$200 deductible on prescription programs is applicable to Tier 2 and Tier 3 for Plan 4 and Plan 7 only.
Premium rates are calculated for new municipal members based upon underwriting requirements set
forth by the Indiana Department of Insurance.
PP – Premium Provider Designation
Non-PP – Non-Premium Provider Designation

Dental Plan Options

Delta Dental Option 1 Option 2
Deductible (Single/Family)
Coinsurance (Preventive/Basic/Major/Ortho Services)
Annual Dental Maximum (per insured)
Lifetime Child Ortho Maximum (to age 19)
Out-of-network
Endodontics & Periodontics		 $50/$150
100/80/50/50
$1,500
$1,500
Fee Schedule
Basic		 $50/$150
100/80/50/50
$1,000
$1,000
Fee Schedule
Basic
Monthly Premium Rates (Guaranteed through December 31 2021)
Employee Only
Employee/Spouse
Employee/Child(ren)
Family 		$26.32
$52.66
$71.12
$106.88		 $24.41
$48.81
$64.68
$97.63

 

Vision Plan Options

VSP Vision Care Option 1 Option 2 Option 3
Exam Copay
Materials Copay
Frequency (Exam/Lenses/Frames)		 $10
$20
12/12/24
 $15
$25
12/24/24
 $10
$20
12/12/24*
*Includes KidsCare Plan–2 exams and 1 pair of glasses every year.
Monthly Premium Rates (Guaranteed through December 31 2023)
Employee Only
Employee/Spouse
Employee/Child(ren)
Family 		$6.15
$12.33
$13.16
$21.05 		$4.59
$9.20
$9.82
$15.70		 $7.08
$14.15
$15.15
$24.20

 

Notes: *Includes KidsCare Plan–2 exams and 1 pair of glasses every year. Dental and vision coverage is available to municipalities participating in the medical plan. Dental and vision coverage can be provided as a contributory, non-contributory or voluntary insurance benefit. The Aim Medical Trust is a multiple employer welfare arrangement. The multiple employer welfare arrangement may not be subject to all of the insurance laws and regulations of Indiana. State insurance guaranty funds are not available for the Aim Medical Trust.

 

Basic Life and AD&D Plans

Choose from four basic Life/AD&D plans with MetLife.
PLAN HIGHLIGHTS Plan 1 Plan 2 Plan 3 Plan 4
Class Description All FTA Employees All FTA Employees All FTA Employees All FTA Employees
Life Benefit $25,000 $50,000 1 x Basic Annual Earnings to $50,000 Max 2 x Basic Annual Earnings to $100,000 Max
AD&D Benefit $25,000 $50,000 1 x Basic Annual Earnings to $50,000 Max 2 x Basic Annual Earnings to $100,000 Max
Age Reduction Schedule 35% @ 65
50% @ 70
65% @ 75
Terminate @ retirement		 35% @ 65
50% @ 70
65% @ 75
Terminate @ retirement		 35% @ 65
50% @ 70
65% @ 75
Terminate @ retirement		 35% @ 65
50% @ 70
65% @ 75
Terminate @ retirement
Guaranteed Issue $25,000 $50,000 $50,000 $100,000
Dependent Life: Spouse / Child(ren)
Option 1		 $2,500 / $2,500
(14 days to 6 mos $250)		 $2,500 / $2,500
(14 days to 6 mos $250)		 $2,500 / $2,500
(14 days to 6 mos $250)		 $2,500 / $2,500
(14 days to 6 mos $250)
Dependent Life: Spouse / Child(ren)
Option 2		 $10,000 / $10,000
(14 days to 6 mos $1,000)		 $10,000 / $10,000
(14 days to 6 mos $1,000)		 $10,000 / $10,000
(14 days to 6 mos $1,000)		 $10,000 / $10,000
(14 days to 6 mos $1,000)
Employee Contributions Non-contributory Non-contributory Non-contributory Non-contributory
Minimum Participation 100% 100% 100% 100%
Premium Rates
Life Rate per $1,000 of Benefit $0.199 $0.199 $0.199 $0.199
AD&D Rate per $1,000 of Benefit $0.020 $0.020 $0.020 $0.020
Monthly Premium Per Person $5.48 per month $10.95 per month
Dependent Life Rate per Family Unit
Option 1		 $1.50 $1.50 $1.50 $1.50
Dependent Life Rate per Family Unit
Option 2		 $6.00 $6.00 $6.00 $6.00

Notes:

**Life plan offers Value Added Features such as: Accelerated Life Benefits, Life Conversion, Beneficiary Assistance – Delivering The Promise,
Grief Counseling
MetLife: A+ Superior Best Rating
MetLife reserves the right to review, and if necessary, adjust the pricing for any group who:
– Requests a non-standard Plan design, -Has 25% or more retirees,
– Has 75 lives or more, and who’s population is composed of 75% or more police/fire
The Aim Medical Trust is a multiple employer welfare arrangement. The multiple employer welfare arrangement may not be subject
to all of the insurance laws and regulations of Indiana. State insurance guaranty funds are not available for the Aim Medical Trust.

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