Walton County School District participates in the State Health Benefit plan. Each year, the Board contributes $1,580 per month per participant - that's $18,960 per year to fund health care coverage for our employees. There are 7 plan choices and 3 providers. All plans cover 100% of the cost of preventive care. A quick overview is provided below, but click the "State Health Decision Guide" button for ALL the details!
Anthem HRA Plans: You can choose from the Bronze, Silver or Gold HRA plans. All medical expenses are covered after a deductible with the exception of prescriptions and preventive care. All 3 plans have an HRA Account - dollars that help you pay your medical expenses and meet your deductible. Any un-used HRA dollars roll over to the next year. Keep in mind that there are no co-pays for doctor visits in these plans. You'll use your HRA money first, then the pay out of pocket until you meet your deductible. HRA amounts and deductibles vary from plan to plan.
HMO Plans: There are 3 HMO plans to choose from. The Anthem and United plans are identical - with only minor network differences - so most folks will want to focus on the lower-cost Anthem HMO. In these plans, a deductible applies to some expenses like hospital stays, surgery and scans but co-pays apply to doctor visits, urgent care, emergency room visits and prescriptions. The third HMO from Kaiser has co-pays with no deductible - but you can ONLY use their facilities, doctors and pharmacies. There are NO out-of-network benefits in any of the HMO plans.
High Deductible Health Plan (HDHP): While this is the lowest cost plan, it also has the highest deductible and out-of-pocket limit of any plan. Since the Bronze HRA has a lower deductible and out-of-pocket limit, it may be the more economical choice.