The Town's Plan is self-insured.  The in-network annual deductible is $1,500 per person / $3,000 per family.  After the deductible is met, there is no cost for qualified medical expenses.  After the deductible is met, employees move to a 4-tier prescription drug plan, with a out-of-pocket maximum of $3,000, which after being met, all qualified prescription expenses are no cost.

Employees and covered family members receive an annual preventative care benefit with no cost sharing each calendar year when using in-network providers.  Deductibles are waived for this benefit.

The Health Insurance Portability and Accountability Act (HIPAA) is a law mandating that anyone belonging to a group health insurance plan must be allowed to purchase health insurance within an interval of time once the previous coverage is lost.  The law protects employees, especially those with long-term health conditions, who may be reluctant to leave jobs because they are afraid of pre-existing condition clauses will limit coverage of any such conditions under a new insurance plan and losing health insurance due to a change in employment status.  

A voluntary term life insurance program is available through payroll deduction.  Premiums are 100% employee paid and are based on age and amount of coverage selected.

Voluntary employee participation.  This plan allows for the payment of Health, Dental, Life and Cancer premiums and qualified Dependent Care Expenses & Vision and Dental Expenses on a pre-tax basis.  Elected contributions are not subject to State or Federal Taxes or FICA tax.