Premiums

Premium Information

All premiums shown below are monthly deduction amounts.  Effective 7/1/25, Valdosta City Schools contributes $1,885 per employee per month (Classified and Certified) towards your medical coverage. 

 

  • Your State Health Medical premium will be deducted from your paycheck on the 15th of each month.

  • Voluntary (non-medical) benefit deductions will be taken from your final paycheck of the month.

Health Insurance - Medical Premiums

2025 Anthem HRA Gold

  • Employee: $194.67
  • Employee + Spouse: $482.76
  • Employee + Child(ren): $355.26
  • Family: $643.35

2025 Anthem HRA Silver

  • Employee: $131.17
  • Employee + Spouse: $349.41
  • Employee + Child(ren): $247.31
  • Family: $465.55

2025 Anthem HRA Bronze

  • Employee: $82.67
  • Employee + Spouse: $247.56
  • Employee + Child(ren): $164.86
  • Family: $329.75

2025 Anthem HMO

  • Employee: $157.53
  • Employee + Spouse: $404.77
  • Employee + Child(ren): $292.12
  • Family: $539.36

2025 UHC HMO

  • Employee: $196.58
  • Employee + Spouse: $486.77
  • Employee + Child(ren): $358.50
  • Family: $648.69

2025 UHC HDHP

  • Employee: $72.69
  • Employee + Spouse: $226.60
  • Employee + Child(ren): $147.89
  • Family: $301.80

2026 Anthem HRA Gold

  • Employee: $213.71
  • Employee + Spouse: $531.82
  • Employee + Child(ren): $390.68
  • Family: $708.79

2026 Anthem HRA Silver

  • Employee: $146.11
  • Employee + Spouse: $389.86
  • Employee + Child(ren): $275.76
  • Family: $519.51

2026 Anthem HRA Bronze

  • Employee: $92.12
  • Employee + Spouse: $276.48
  • Employee + Child(ren): $183.97
  • Family: $368.33

2026 Anthem HMO

  • Employee: $177.21
  • Employee + Spouse: $455.17
  • Employee + Child(ren): $328.63
  • Family: $606.59

2026 UHC HMO

  • Employee: $217.19
  • Employee + Spouse: $539.13
  • Employee + Child(ren): $396.59
  • Family: $718.53

2026 UHC HDHP

  • Employee: $81.11
  • Employee + Spouse: $253.36
  • Employee + Child(ren): $165.26
  • Family: $337.51

TRICARE

  • Employee: $60.50
  • Employee + Spouse or Child(ren): $119.50
  • Family: $160.50

Teladoc

Teladoc

  • Employee: $5.50

Dental Insurance

Dental - Network Base Plan

  • Employee: $32.88
  • Employee + Spouse: $72.92
  • Employee + Child(ren): $76.00
  • Family: $85.52

Dental - Freedom Enhanced Plan

  • Employee: $50.96
  • Employee + Spouse: $113.20
  • Employee + Child(ren): $119.48
  • Family: $133.12

Vision Insurance

Vision- Base Eyemed Plan

  • Employee: $8.48
  • Employee + Spouse: $16.40
  • Employee + Child(ren): $14.08
  • Family: $22.00

Vision- Enhanced VSP Plan

  • Employee: $11.60
  • Employee + Spouse: $21.64
  • Employee + Child(ren): $18.28
  • Family: $28.28

Voluntary Term Life

Voluntary Term Life Insurance Employee & Spouse (Sample Premiums)

  • $10,000 Coverage
    Age 25: $0.70
    Age 35: $1.40
    Age 45: $2.60
    Age 55: $5.10
    Age 65: $7.50
  • $50,000 Coverage
    Age 25: $3.50
    Age 35: $7.00
    Age 45: $13.00
    Age 55: $25.50
    Age 65: $37.50
  • $100,000 Coverage
    Age 25: $7.00
    Age 35: $14.00
    Age 45: $26.00
    Age 55: $51.00
    Age 65: $75.00
  • $150,000 Coverage
    Age 25: $10.50
    Age 35: $21.00
    Age 45: $39.00
    Age 55: $76.50
    Age 65: $112.50
  • $250,000 Coverage
    Age 25: $17.50
    Age 35: $35.00
    Age 45: $65.00
    Age 55: $127.50
    Age 65: $187.50

Child Term Life with AD&D

  • $10,000 Coverage
    Age 0-26: $3.27

Permanent Life with Long Term Care

Permanent Life with Long Term Care: Female, Age 45 (Non-Smoker) $25,000

  • Universal Life
    Approximate Monthly Premium: $43.26
    Approximate Cash Value at age 65: $4,700
    Death Benefit at Age 45: $25,000
    Death Benefit at Age 75: $25,000
    Maximum Long Term Care Benefit: N/A
  • Universal LifeEvents with Long Term Care
    Approximate Monthly Premium: $29.15
    Approximate Cash Value at age 65: $750
    Death Benefit at Age 45: $25,000
    Death Benefit at Age 75: $8,333
    Maximum Long Term Care Benefit: $25,000

Short Term Disability

Short Term Disability - 60% of Earnings

  • $30,000 Salary | Weekly Benefit $250:
    Age 30 - $16.75
    Age 40 - $15.00
    Age 50 - $17.50
  • $40,000 Salary | Weekly Benefit $400:
    Age 30 - $26.80
    Age 40 - $24.00
    Age 50 - $28.00
  • $50,000 Salary | Weekly Benefit $500:
    Age 30 - $33.50
    Age 40 - $30.00
    Age 50 - $35.00
  • $75,000 Salary | Weekly Benefit $750:
    Age 30 - $50.25
    Age 40 - $45.00
    Age 50 - $52.50

Accident

Accident

  • Employee: $10.12
  • Employee + Spouse: $17.71
  • Employee + Child(ren): $23.33
  • Family: $30.92

Critical Illness

Critical Illness - Employee (Premium Examples)

  • $5,000 Coverage
    Age 25: $2.40
    Age 35: $3.75
    Age 45: $6.30
    Age 55: $10.45
    Age 65: $21.70
  • $10,000 Coverage
    Age 25: $4.80
    Age 35: $7.50
    Age 45: $12.60
    Age 55: $20.90
    Age 65: $43.40
  • $20,000 Coverage
    Age 25: $9.60
    Age 35: $15.00
    Age 45: $25.20
    Age 55: $41.80
    Age 65: $86.80

Critical Illness - Spouse (Premium Examples)

  • $5,000 Coverage
    Age 25: $3.20
    Age 35: $4.50
    Age 45: $7.05
    Age 55: $11.20
    Age 65: $22.50
  • $10,000 Coverage
    Age 25: $6.40
    Age 35: $9.00
    Age 45: $14.10
    Age 55: $22.40
    Age 65: $45.00

Hospital Indemnity

Hospital Indemnity

  • Employee: $19.27
  • Employee + Spouse: $35.10
  • Employee + Child(ren): $25.98
  • Family: $41.81

Group Legal

Group Legal

  • Employee: $18.00

Non-Medical Enrollment and Questions:
(866) 933-2460

Medical Enrollment and Questions:
(800) 610-1863

General Questions: help@vcsbenefits.org

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