Employee Handbook
Section 7 — Employee Benefits
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Section Number: |
7.1 |
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Section Title: |
Medical-Dental-Vision Insurance Coverage |
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Adoption Date: |
October 1, 2004 |
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Most Recent Update: |
July 2022 |
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Reviewed: |
July 2024 |
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Applicability: |
Regular Full-time, Regular Three-quarter Part-time |
Employees who are eligible for the City’s medical and dental plans automatically have their premiums deducted on a pre-tax basis unless they notify Human Resources in writing that they do not want to have their share of premiums deducted on a pre-tax basis. This must be done upon becoming eligible for the plans or during annual enrollment.
The following table is a brief overview of the insurance coverage offered to eligible Non-Union City employees. Union Employees should refer to their respective contact for coverage and rate information.
| CITY OF WEST DES MOINES | ||
| July 1, 2024 - Benefit Plan Offerings | ||
| STANDARD Medical Plan | WELLNESS Medical Plan | SAVERS Medical Plan |
| $250/$500 deductible 90/80% coinsurance $750/$750 out-of-pocket $10 office visit copay Routine care paid at 100% $10/$20/$30 Rx copay |
$500/$1,000 deductible 80/60% coinsurance $1,500/$3,000 out of pocket $20 office visit copay Routine care paid at 100% $10/$25/$40 Rx copay $200 annual FSA Contribution available if employee participates in Wellness Screening. |
$3,200
/$5,000 deductible 100% coinsurance (Non-PPO paid at 80%; $3,500/$7,000 out of pocket) Routine care paid at 100% (Qualified HDHP) $1,200 annual HSA Contribution available if employee participates in Wellness Screening. |
| Copays apply towards out-of-pocket maximums | ||
| STANDARD Dental Plan | WELLNESS Dental Plan | SAVERS Dental Plan |
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PPO $15/$45 deductible 100/90/50% coinsurance $1,000 calendar year maximum Ortho 50% to $2,000 LT maximum Premier/Non Par $25/$75 deductible 100/80/50% coinsurance $1,000 calendar year maximum Ortho 50% to $2,000 LT maximum |
Same as Standard Dental Plan or Employee can waive dental plan for an additional $200 annual FSA Contribution |
$300 annual
HSA Contribution or Employee may choose to participate in Standard Dental Plan without a City contribution |
| No vision plan | WELLNESS Vision Plan | SAVERS Vision Plan |
| VSP Providers: $10 copay for exam (every year) $25 copay for lenses (every year) $25 copay for frames (every other year up to $120 allowance) $120 allowance for contacts Out of network benefits: Reimbursement amounts following copay: Exam - up to $40 Single lenses - up to $40 Frames - up to $45 Contact lenses - up to $105 or Employee can waive vision plan for an additional $100 annual contribution in FSA |
Employee may choose to participate in vision plan without a City contribution. | |
See the Benefits Page for additional benefit information
Those employees eligible and covered under the City’s medical, dental, or vision plans will be covered to the end of the month in which their employment is terminated. Extension of medical and dental benefits is possible through COBRA.
See also Section 7.3, Retirement Programs.
All statements of coverage are subject to the terms, conditions, restrictions and other eligibility requirements set forth in plan documents, which is the final word in terms of eligibility and coverage. See your Summary Plan Description Booklets for an overview of coverage and more details on the above named benefits.