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2024 Premiums

Medical
Premiums for the Consumer Choice Medical Plan are based on a tiered rate structure. Your total compensation earned from October 1, 2022 to September 30, 2023 will be used to determine your medical rate for 2024. Total compensation includes your base salary, overtime, shift differential, and variable pay related to work performance.

Active Employees

If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your medical premiums are deducted on a before-tax basis from the first and second paycheck of each month.

$70,999 or less
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Consumer Choice Plan $70,999 or less $139.50 $320.00 $265.00 $403.50
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Total Compensation Tier Before-Tax Premium After-Tax Premium Imputed Income
$70,999 or less Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Consumer Choice Plan $139.50 $223.00 + $180.50 $770.25
Kaiser Colorado Consumer Choice Plan $139.50 $223.00 + $180.50 $449.13
Kaiser N. California Consumer Choice Plan $139.50 $223.00 + $180.50 $778.89
Kaiser S. California Consumer Choice Plan $139.50 $223.00 + $180.50 $565.09
Kaiser Oregon Consumer Choice Plan $139.50 $223.00 + $180.50 $427.53
$71,000 - $130,999
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Consumer Choice Plan $71,000 – $130,999 $175.50 $404.50 $334.50 $509.00
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Total Compensation Tier Before-Tax Premium After-Tax Premium Imputed Income
$71,000 – $130,999 Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Consumer Choice Plan $175.50 $280.00 + $229.00 $721.75
Kaiser Colorado Consumer Choice Plan $175.50 $280.00 + $229.00 $400.63
Kaiser N. California Consumer Choice Plan $175.50 $280.00 + $229.00 $730.39
Kaiser S. California Consumer Choice Plan $175.50 $280.00 + $229.00 $516.59
Kaiser Oregon Consumer Choice Plan $175.50 $280.00 + $229.00 $379.03
$131,000 - $175,999
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Consumer Choice Plan $131,000 – $175,999 $195.50 $450.00 $372.00 $566.00
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Total Compensation Tier Before-Tax Premium After-Tax Premium Imputed Income
$131,000 – $175,999 Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Consumer Choice Plan $195.50 $311.50 + $254.50 $696.25
Kaiser Colorado Consumer Choice Plan $195.50 $311.50 + $254.50 $375.13
Consumer Choice Plan – Kaiser N. California $195.50 $311.50 + $254.50 $704.89
Kaiser S. California Consumer Choice Plan $195.50 $311.50 + $254.50 $491.09
Kaiser Oregon Consumer Choice Plan $195.50 $311.50 + $254.50 $353.53
$176,000 - $285,999
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Consumer Choice Plan $176,000 – $285,999 $220.50 $507.50 $419.50 $638.50
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Total Compensation Tier Before-Tax Premium After-Tax Premium Imputed Income
$176,000 – $285,999 Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Consumer Choice Plan $220.50 $351.50 + $287.00 $663.75
Kaiser Colorado Consumer Choice Plan $220.50 $351.50 + $287.00 $342.63
Consumer Choice Plan – Kaiser N. California $220.50 $351.50 + $287.00 $672.39
Kaiser S. California Consumer Choice Plan $220.50 $351.50 + $287.00 $458.59
Kaiser Oregon Consumer Choice Plan $220.50 $351.50 + $287.00 $321.03
$286,000 and over
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
Consumer Choice Plan $286,000 and over $249.00 $573.00 $473.50 $721.50
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Total Compensation Tier Before-Tax Premium After-Tax Premium Imputed Income
$286,000 and over Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Consumer Choice Plan $249.00 $397.50 + $324.00 $626.75
Kaiser Colorado Consumer Choice Plan $249.00 $397.50 + $324.00 $305.63
Consumer Choice Plan – Kaiser N. California $249.00 $397.50 + $324.00 $635.39
Kaiser S. California Consumer Choice Plan $249.00 $397.50 + $324.00 $421.59
Kaiser Oregon Consumer Choice Plan $249.00 $397.50 + $324.00 $284.03
BCBSIL Global
2024 Monthly Premiums (before-tax)
Total Compensation Tier Employee Only Employee + Spouse Employee + Child(ren) Employee + Family
BCBSIL Global $175.50 $404.50 $334.50 $509.00
  1. The Consumer Choice Plan is administered by Blue Cross Blue Shield and Kaiser.
  2. Enrollment in the Aetna International Medical Plan is a combined enrollment with the Aetna International Dental Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after  taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Benefits Premiums – Non-Tax Domestic Partners
Before-Tax Premium After-Tax Premium Imputed Income
Employee + Spouse/Domestic Partner Employee + Family Domestic Partner and Dependents Domestic Partner and Dependents
BCBSIL Global $175.50 $280.00 + $229.00 $870.47
Dental

Active Employees

If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your dental premiums are deducted before taxes from the first and second paycheck of each month.

2024 Dental Monthly Premiums
Deducted before-tax
Coverage Level Delta Dental BCBSL Global
(Expat Only)
Employee Only $21.00 $21.00
Employee + Spouse or Tax-Dependent Domestic Partner $45.00 $45.00
Employee + Child(ren) $47.00 $47.00
Employee + Family $62.00 $62.00

Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes. The BMO-paid portion of your partner’s premium is considered imputed income, so you pay FICA and income taxes on that amount.

2024 Dental Monthly Premiums
Deducted after-tax
Coverage Level Before-Tax Premium After-Tax
Premium		 Imputed Income Delta Dental Imputed Income BCBSIL Global
Employee + Non-Tax-
Dependent Domestic Partner		 $21.00 + $24.00 $25.42 $16.09
Employee + Family $38.00 + $24.00 $25.42 $16.09

* Enrollment in the BCBSIL Global Dental Plan is a combined enrollment with the BCBSIL Global Medical Plan.

Vision

Active Employees

If you enroll in coverage for yourself and your dependents, including a domestic partner who is your tax dependent, your vision premiums are deducted before taxes from the first and second paycheck of each month.

2024 Vision Monthly Premiums Deducted before-tax
Coverage Level VSP Base VSP Premier
Employee Only $7.40 $14.28
Employee + Spouse or Tax-Dependent Domestic Partner $14.28 $26.00
Employee + Child(ren) $15.80 $27.28
Employee + Family $25.24 $45.12

Non-Tax Dependent Domestic Partner

If you enroll a non-tax dependent domestic partner, their premiums are deducted from your pay after taxes.

2024 Vision Monthly Premiums Deducted after-tax
Coverage Level Before-Tax Premium After-Tax Premium Imputed Income
Employee + Non-Tax- Dependent Domestic Partner $7.40 + $7.38 N/A
Employee + Family $17.86 + $11.72 N/A
Supplemental Life Insurance

If you enroll in Supplemental Life or Family Life insurance, the premium is deducted from the first and second paycheck of each month.

Employee Life Insurance

2024 Supplemental Life Insurance Monthly Premiums
Deducted after-tax
Age Non-Smoker
Rate per $1,000 of coverage		 Smoker
Rate per $1,000 of coverage
Under 25 $0.034 $0.050
25-29 $0.034 $0.060
30-34 $0.043 $0.080
35-39 $0.060 $0.107
40-44 $0.077 $0.155
45-49 $0.111 $0.213
50-54 $0.179 $0.398
55-59 $0.333 $0.679
60-64 $0.504 $1.067
65-69 $0.965 $2.008
70+ $1.572 $3.250

Family Life Insurance

2024 Family Life Insurance Monthly Premiums
Deducted after-tax
Coverage for Spouse Premium Coverage for Child(ren) Premium
$25,000 $4.55 $10,000 $1.67
$50,000 $9.08 $15,000 $2.50
$100,000 $18.17 $20,000 $3.34
$150,000 $27.25 $25,000 $4.17

The amount of Insurance for your spouse/domestic partner cannot exceed your total combined amount of Basic and Supplemental Life Insurance. The amount of Insurance for your child(ren) cannot exceed your total combined amount of Basic and Supplemental Life Insurance.

Long-Term Disability

If you enroll in Supplemental Long Term Disability (LTD) coverage, the premium is deducted from the first and second paycheck of each month.

2024 Supplemental Disability Monthly Premium Deducted before-tax
Coverage Level Your Cost
Additional 15% of base pay (75% total) $0.06 (annual premium per $100 of annual base pay)
Accident Insurance

If you enroll in voluntary Accident Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2023 Accident Insurance Monthly Premiums
Deducted after-tax
Coverage Level High Plan Low Plan
Employee Only $5.00 $2.53
Employee + Spouse $9.86 $4.66
Employee + Child(ren) $10.29 $5.29
Employee + Family $15.15 $7.42
Critical Illness Insurance

If you enroll in voluntary Critical Illness Insurance, the premium is deducted after-tax from the first and second paycheck of each month. The premium is based on your benefit amount and smoker/non-smoker status.

2024 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax
Non-Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$3.10

$6.70

$3.70

$7.30

25-29

$3.40

$7.10

$4.00

$7.70

30-34

$3.90

$8.50

$4.50

$9.10

35-39

$4.80

$10.20

$5.40

$10.80

40-44

$6.60

$14.80

$7.20

$15.40

45-49

$10.20

$22.80

$10.80

$23.40

50-54

$16.00

$32.80

$16.60

$33.40

55-59

$18.40

$39.10

$19.00

$39.70

60-64

$21.40

$48.80

$22.00

$49.40

65-69

$22.40

$54.50

$23.00

$55.10

70+

$30.40

$69.00

$31.00

$69.60

 
2024 Critical Illness Insurance Monthly Premiums $10,000 benefit amount Deducted after-tax
Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$4.90

$10.70

$5.50

$11.30

25-29

$5.30

$11.40

$5.90

$12.00

30-34

$6.00

$13.30

$6.60

$13.90

35-39

$7.10

$15.80

$7.70

$16.40

40-44

$13.10

$26.50

$13.70

$27.10

45-49

$23.10

$51.70

$23.70

$52.30

50-54

$26.90

$62.80

$27.50

$63.40

55-59

$31.30

$78.90

$31.90

$79.50

60-64

$34.20

$96.10

$34.80

$96.70

65-69

$38.40

$106.60

$39.00

$107.20

70+

$44.00

$118.10

$44.60

$118.70

 
2024 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax
Non-Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$6.20

$13.40

$7.40

$14.60

25-29

$6.80

$14.20

$8.00

$15.40

30-34

$7.80

$17.00

$9.00

$18.20

35-39

$9.60

$20.40

$10.80

$21.60

40-44

$13.20

$29.60

$14.40

$30.80

45-49

$20.40

$45.60

$21.60

$46.80

50-54

$32.00

$65.60

$33.20

$66.80

55-59

$36.80

$78.20

$38.00

$79.40

60-64

$42.80

$97.60

$44.00

$98.80

65-69

$44.80

$109.00

$46.00

$110.20

70+

$60.80

$138.00

$62.00

$139.20

 
2024 Critical Illness Insurance Monthly Premiums $20,000 benefit amount Deducted after-tax
Smoker

Age

Employee

Employee + Spouse

Employee + Children

Employee + Family

Under 25

$9.80

$21.40

$11.00

$22.60

25-29

$10.60

$22.80

$11.80

$24.00

30-34

$12.00

$26.60

$13.20

$27.80

35-39

$14.20

$31.60

$15.40

$32.80

40-44

$26.20

$53.00

$27.40

$54.20

45-49

$46.20

$103.40

$47.40

$104.60

50-54

$53.80

$125.60

$55.00

$126.80

55-59

$62.60

$157.80

$63.80

$159.00

60-64

$68.40

$192.20

$69.60

$193.40

65-69

$76.80

$213.20

$78.00

$214.40

70+

$88.00

$236.20

$89.20

$237.40

Hospital Indemnity Insurance

If you enroll in voluntary Hospital Indemnity Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2024 Hospital Indemnity Insurance Monthly Premiums
Deducted after-tax
Coverage Level High Plan Low Plan
Employee Only $13.36 $6.24
Employee + Spouse $28.65 $13.53
Employee + Child(ren) $26.04 $12.60
Employee + Family $41.33 $19.99
Legal Insurance

If you enroll in voluntary Legal Insurance, the premium is deducted after-tax from the first and second paycheck of each month.

2024 Legal Insurance Monthly Premium
Deducted after-tax
Option Your Cost
ARAG Group Legal $19.50
COBRA
2024 Monthly Medical COBRA Premiums
Coverage Level Consumer Choice Plan – BCBSIL Consumer Choice Plan – Kaiser (N. California) Consumer Choice Plan – Kaiser (S. California) Consumer Choice Plan – Kaiser (Colorado) Consumer Choice Plan – Kaiser (Oregon) BCBSIL Global (Expat Only)
Employee Only $743.80 $813.15 $631.42 $581.30 $514.50 $1,242.36
Employee + Spouse $1,713.57 $1,788.94 $1,389.13 $1,220.73 $1,131.89 $2,362.32
Employee + Child(ren) $1,415.17 $1,439.28 $1,117.61 $1,104.47 $1,003.27 $1,873.74
Employee + Family $2,161.14 $2,455.72 $1,906.89 $1,743.89 $2,140.32 $3,073.26

*The Consumer Choice Plan is administered by BCBSIL and Kaiser.

2024 Monthly Dental COBRA Premiums
Coverage Level Delta Dental* Aetna International Dental Plan
(Expat Only)
Employee Only $42.02 $33.66
Employee + Spouse $92.43 $74.46
Employee + Child(ren) $95.65 $114.24
Employee + Family $126.07 $155.04

*Enrollment in the BCBSIL Global Dentl Plan is a combined enrollment with the BCBSIL Global Medical Plan.

2024 Monthly Vision COBRA Premiums
Coverage Level VSP Base VSP Premier
Employee Only $7.51 $14.52
Employee + Spouse $14.99 $26.44
Employee + Child(ren) $16.03 $27.74
Employee + Family $25.62 $42.84