Click here for a printable version of the cost of coverage rate sheet.

This guide is intended to provide a brief summary of your benefits costs. If there is a discrepancy between this guide and the official plan documents, the plan documents will govern.

Medical

Cigna Bronze Plan

Medical Plans Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Associate Only $57.25 $26.42
Associate + Spouse or Domestic Partner** $185.63 $85.67
Associate + Child(ren) $161.04 $74.33
Associate + Family $257.67 $118.92

Cigna Consumer Choice Plan (with HSA)

Medical Plans Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Deductions
Associate Only $69.63 $32.14
Associate + Spouse or Domestic Partner** $225.76 $104.20
Associate + Child(ren) $195.86 $90.40
Associate + Family $313.39 $144.64

Cigna Gold PPO

Medical Plans Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Deductions
Associate Only $135.89 $62.72
Associate + Spouse or Domestic Partner** $414.48 $191.30
Associate + Child(ren) $346.59 $159.96
Associate + Family $566.77 $261.58

Kaiser Permanente (CA Only)

Medical Plans Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Deductions
Associate Only $114.20 $52.71
Associate + Spouse or Domestic Partner** $307.77 $142.05
Associate + Child(ren) $275.51 $127.16
Associate + Family $436.83 $201.61

**Cost of coverage for a Domestic Partner and/or a Domestic Partner’s children is subject to federal and state taxes.

*Consumer Choice Plan

When you enroll in the Consumer Choice medical plan, the company will help boost your health savings account with a company contribution of $50 per month. Below is a breakdown of the company contribution per pay period.

Consumer Choice – HSA Employer Contribution
$25.00 semi-monthly $11.54 weekly

Dental

Dental HMO

Dental Plan Options Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Associate Only $4.84 $2.23
Associate + Spouse or Domestic Partner** $9.54 $4.40
Associate + Child(ren) $8.07 $3.72
Associate + Family $13.43 $6.20

Dental PPO

Dental Plan Options Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Deductions
Associate Only $8.81 $4.07
Associate + Spouse or Domestic Partner** $17.56 $8.10
Associate + Child(ren) $23.33 $10.77
Associate + Family $31.97 $14.76

**Cost of coverage for a Domestic Partner and/or a Domestic Partner’s children is subject to federal and state taxes.

Vision

Vision Service Plan (VSP) Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Associate Only $1.77 $0.87
Associate + Spouse or Domestic Partner** $3.76 $1.73
Associate + Child(ren) $4.02 $1.85
Associate + Family $6.43 $2.97

**Cost of coverage for a Domestic Partner and/or a Domestic Partner’s children is subject to federal and state taxes.

Voluntary Life & Accident Death & Dismemberment (AD&D)

Provides financial protection in the event that the policyholder dies.

Silverado provides Basic Life and AD&D insurance of 1X’s your annual salary. You may purchase additional life and AD&D insurance as indicated below. The cost for child life insurance coverage is $0.62 per month. This rate covers all eligible children. Children 14 days – 6 months have a max benefit of $500. Children 6 months – 26 (w/student extension) have a max benefit of $5000. *Guarantee issue, age and maximums may apply.

Associate or Spouse Life Insurance Rate (rates per $1,000 of coverage)

Associate or Spouse Age Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Cost
<29 $0.0200 $0.0092
30 to 34 $0.0265 $0.0122
35 to 39 $0.0300 $0.0138
40 to 44 $0.0435 $0.0201
45 to 49 $0.0665 $0.0307
50 to 54 $0.1065 $0.0492
55 to 59 $0.1835 $0.0847
60 to 64 $0.2800 $0.1292
65 to 69 $0.4700 $0.2169
*70 to 74 $0.7265 $0.3353
75+ $1.0300 $0.4754

You may purchase additional AD&D coverage. Associate only coverage cost is $0.013 per $1000 of coverage per month. Associate + Family coverage cost is $0.023 per $1000 of coverage per month.


To calculate the cost of your voluntary life coverage:

  1. Find your age tier (or your spouse’s age)
  2. Determine your coverage amount
  3. Multiply your coverage amount by the age rate to get your per-pay-period deduction amount

Example of a 30 year old electing $150,000:

  1. Age 30 rate = $0.0265 (semi-monthly)
  2. $0.0265 x 150 = $3.98 semi-monthly

Voluntary Long-Term Disability (LTD) Insurance

Silverado provides Long-Term Disability coverage of 40% of eligible salary. You can choose to purchase additional coverage up to 60% of salary up to a maximum of $5,000 per month. Buy up cost is $0.32 per $100 of covered salary per month.

Voluntary Short-Term Disability (LTD) Insurance

You may purchase Voluntary Short-Term Disability coverage for yourself.

Associate or Spouse Age Community/Hospice/Home Office
Semi-Monthly Cost
At Home
Weekly Cost
<29 $0.5830 $0.2691
30 to 34 $0.6815 $0.3145
35 to 39 $0.6280 $0.2898
40 to 44 $0.5420 $0.2502
45 to 49 $0.5475 $0.2527
50 to 54 $0.6610 $0.3051
55 to 59 $0.7840 $0.3618
60 to 64 $0.9275 $0.4281
65 to 69 $1.0105 $0.4664
70+ $1.0105 $0.4664

To calculate the cost of your voluntary life coverage:

  1. Find your age tier (or your spouse’s age)
  2. Determine your coverage amount
  3. Multiply your coverage amount by the age rate to get your per-pay-period deduction amount

Example of a 40 year old with a $25,000 annual income:
Weekly benefit $480.77, 50% benefit amount $240.38

  1. Age 40 rate = $0.5420 (semi-monthly)
  2. $0.5420 x 24.038 = $13.03 semi-monthly

Critical Illness Insurance

Pays cash directly to you after diagnosis of a covered critical illness to use any way you choose.

Semi-monthly Premium for $10,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $1.65 $2.95 $3.15 $4.50
25 – 29 $1.70 $3.15 $3.25 $4.70
30 – 34 $2.20 $4.00 $3.75 $5.50
35 – 39 $3.20 $5.55 $4.70 $7.10
40 – 44 $4.90 $8.15 $6.45 $9.70
45 – 49 $6.60 $11.20 $8.15 $12.75
50 – 54 $9.70 $16.20 $11.20 $17.70
55 – 59 $12.45 $21.50 $13.95 $23.05
60 – 64 $16.85 $29.85 $18.35 $31.40
65 – 69 $23.90 $42.95 $25.40 $44.45
70+ $36.25 $63.65 $37.75 $65.15

Weekly Premium for $10,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $0.76 $1.36 $1.45 $2.08
25 – 29 $0.78 $1.45 $1.50 $2.17
30 – 34 $1.02 $1.85 $1.73 $2.54
35 – 39 $1.48 $2.56 $2.17 $3.28
40 – 44 $2.26 $3.76 $2.98 $4.48
45 – 49 $3.05 $5.17 $3.76 $5.88
50 – 54 $4.48 $7.48 $5.17 $8.17
55 – 59 $5.75 $9.92 $6.44 $10.64
60 – 64 $7.78 $13.78 $8.47 $14.49
65 – 69 $11.03 $19.82 $11.72 $20.52
70+ $16.73 $29.38 $17.42 $30.07


Semi-monthly Premium for $20,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $3.30 $5.90 $6.30 $9.00
25 – 29 $3.40 $6.30 $6.50 $9.40
30 – 34 $4.40 $8.00 $7.50 $11.00
35 – 39 $6.40 $11.10 $9.40 $14.20
40 – 44 $9.80 $16.30 $12.90 $19.40
45 – 49 $13.20 $22.40 $16.30 $25.50
50 – 54 $19.40 $32.40 $22.40 $35.40
55 – 59 $24.90 $43.00 $27.90 $46.10
60 – 64 $33.70 $59.70 $36.70 $62.80
65 – 69 $47.80 $85.90 $50.80 $88.90
70+ $72.50 $127.30 $75.50 $130.30

Weekly Premium for $10,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $1.52 $2.72 $2.91 $4.15
25 – 29 $1.57 $2.91 $3.00 $4.34
30 – 34 $2.03 $3.69 $3.46 $5.08
35 – 39 $2.95 $5.12 $4.34 $6.55
40 – 44 $4.52 $7.52 $5.95 $8.95
45 – 49 $6.09 $10.34 $7.52 $11.77
50 – 54 $8.95 $14.95 $10.34 $16.34
55 – 59 $11.49 $19.85 $12.88 $21.28
60 – 64 $15.55 $27.55 $16.94 $28.98
65 – 69 $22.06 $39.65 $23.45 $41.03
70+ $33.46 $58.75 $34.85 $60.14


Semi-monthly Premium for $30,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $4.95 $8.85 $9.45 $13.50
25 – 29 $5.10 $8.85 $9.45 $13.50
30 – 34 $6.60 $12.00 $11.25 $16.50
35 – 39 $9.60 $16.65 $14.10 $21.30
40 – 44 $14.70 $24.45 $19.35 $29.10
45 – 49 $19.80 $33.60 $24.45 $38.25
50 – 54 $29.10 $48.60 $33.60 $53.10
55 – 59 $37.35 $64.50 $41.85 $69.15
60 – 64 $50.55 $89.55 $55.05 $94.20
65 – 69 $71.70 $128.85 $76.20 $133.35
70+ $108.75 $190.95 $113.25 $195.45

Weekly Premium for $30,000 of Coverage (non-tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $2.28 $4.08 $4.36 $6.23
25 – 29 $2.35 $4.36 $4.50 $6.51
30 – 34 $3.05 $5.54 $5.19 $7.62
35 – 39 $4.43 $7.68 $6.51 $9.83
40 – 44 $6.78 $11.28 $8.93 $13.43
45 – 49 $9.14 $15.51 $11.28 $17.65
50 – 54 $13.43 $22.43 $15.51 $24.51
55 – 59 $17.24 $29.77 $19.32 $31.92
60 – 64 $23.33 $41.33 $25.41 $43.48
65 – 69 $33.09 $59.47 $35.17 $61.55
70+ $50.19 $88.13 $52.27 $90.21

▪Tobacco users are subject to higher premiums.

Hospital Indemnity Insurance

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Accident Insurance

Pays cash directly to you after a covered accident occurs to use any way you choose.

Coverage Level Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Associate Only $5.39 $2.49
Associate + Spouse or Domestic Partner $9.29 $4.29
Associate + Child(ren) $9.52 $4.39
Associate + Family $11.70 $5.40

Hospital Indemnity Insurance

Pays cash directly to you after a covered accident occurs to use any way you choose.

Coverage Level Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Associate Only $16.24 $7.50
Associate + Spouse or Domestic Partner $30.55 $14.10
Associate + Child(ren) $25.21 $11.63
Associate + Family $41.67 $19.23

Legal Insurance

Coverage Level Community/Hospice/Home Office
Semi-Monthly Deductions
At Home
Weekly Deductions
Covers Associate, Spouse and Dependents $9.00 $4.15
Medical

Cigna Bronze Plan

Medical Plans Community/Hospice/Home Office Semi-Monthly Deductions At Home Weekly Cost
Associate Only $55.50 $25.62
Associate + Spouse or Domestic Partner** $179.95 $83.05
Associate + Child(ren) $156.12 $72.05
Associate + Family $249.79 $115.29

 

Cigna Consumer Choice Plan (with HSA)

Medical Plans Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $67.50 $31.15
Associate + Spouse or Domestic Partner** $218.85 $101.01
Associate + Child(ren) $189.87 $87.63
Associate + Family $303.80 $140.22

 

Cigna Gold PPO

Medical Plans Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $131.73 $60.80
Associate + Spouse or Domestic Partner** $401.80 $185.45
Associate + Child(ren) $335.99 $155.07
Associate + Family $549.43 $253.58

 

Kaiser Permanente (CA Only)

Medical Plans Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $110.70 $51.09
Associate + Spouse or Domestic Partner** $298.36 $137.70
Associate + Child(ren) $267.08 $123.27
Associate + Family $423.47 195.45

**Cost of coverage for a Domestic Partner and/or a Domestic Partner’s children is subject to federal and state taxes.

*Consumer Choice Plan

When you enroll in the Consumer Choice medical plan, the company will help boost your health savings account with a company contribution of $50 per month. Below is a breakdown of the company contribution per pay period.

Consumer Choice – HSA Employer Contribution
$25.00 semi-monthly $11.54 weekly
Dental

Cigna Dental PPO

Dental Plans (choose one) Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $8.54 $3.94
Associate + Spouse or Domestic Partner** $17.02 $7.86
Associate + Child(ren) $22.61 $10.44
Associate + Family $30.99 $14.30

 

Cigna Dental HMO

Dental Plans (choose one) Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $4.69 $2.16
Associate + Spouse or Domestic Partner** $9.25 $4.27
Associate + Child(ren) $7.83 $3.61
Associate + Family $13.02 $6.01
Vision

Vision

Vision Service Plan (VSP) Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $1.82 $0.84
Associate + Spouse or Domestic Partner** $3.64 $1.68
Associate + Child(ren) $3.89 $1.80
Associate + Family $6.23 $2.88

**Cost of coverage for a Domestic Partner and/or a Domestic Partner’s children is subject to federal and state taxes.

Voluntary Life & Accident Death & Dismemberment (AD&D)

Voluntary Life & Accident Death & Dismemberment (AD&D)

Silverado provides Basic Life and AD&D insurance of 1X’s your annual salary. You may purchase additional life and AD&D insurance as indicated below. The cost for child life insurance coverage is $0.124 per $1000 of coverage per month. This rate covers all eligible children. *Guarantee issue, age and maximums may apply.

Associate or Spouse Life Insurance rate (Rate per $1,000 of coverage)
Associate or Spouse Age Community/Hospice/Home OfficeSemi-Monthly Cost At Home Weekly Cost
<29 $0.0200 $0.0092
30 to 34 $0.0265 $0.0122
35 to 39 $0.0300 $0.0138
40 to 44 $0.0435 $0.0201
45 to 49 $0.0665 $0.0307
50 to 54 $0.1065 $0.0492
55 to 59 $0.1825 $0.0847
60 to 64 $0.2800 $0.1292
65 to 69 $0.4700 $0.2169
70 to 74 $0.7265 $0.3353
75+ $1.0300 $0.4754

To Calculate the cost for your voluntary life coverage:

  1. Find your age tier (or your spouse’s age)
  2. Determine your coverage amount
  3. Multiply your coverage amount by the age rate to get the per pay-period deduction amount

Example for a 30 year old electing $150,000:

  1. Age 30 rate = $0.0265 (semi-monthly)
  2. $0.0265 x 150 = $3.98 semi-monthly

You may purchase additional AD&D coverage. Associate only coverage cost is $0.013 per $1000 of coverage per month. Associate + Family coverage cost is $0.023 per $1000 of coverage per month.


Voluntary Long-Term Disability (LTD) Insurance

LTD provides income replacement in the event you become disabled due to an illness or injury.
Silverado provides Long-Term Disability coverage of 40% of eligible salary. You can choose to purchase additional coverage up to 60% of salary up to a maximum of $5,000 per month. Buy up cost is $0.32 per $100 of covered salary per month.

Semi-monthly Premium for $10,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $1.65 $2.95 $3.15 $4.50
25-29 $1.70 $3.15 $3.25 $4.70
30-34 $2.20 $4.00 $3.75 $5.50
35-39 $3.20 $5.55 $4.70 $7.10
40-44 $4.90 $8.15 $6.45 $9.70
45-49 $6.60 $11.20 $8.15 $12.75
50-54 $9.70 $16.20 $11.20 $17.70
55-59 $12.45 $21.50 $13.95 $23.05
60-64 $16.85 $29.85 $18.35 $31.40
65-69 $23.90 $42.95 $25.40 $44.45
70+ $36.25 $63.65 $37.75 $65.15

 

Weekly Premium for $10,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $0.76 $1.36 $1.45 $2.08
25-29 $0.78 $1.45 $1.50 $2.17
30-34 $1.02 $1.85 $1.73 $2.54
35-39 $1.48 $2.56 $2.17 $3.28
40-44 $2.26 $3.76 $2.98 $4.48
45-49 $3.05 $5.17 $3.76 $5.88
50-54 $4.48 $7.48 $5.17 $8.17
55-59 $5.75 $9.92 $6.44 $10.67
60-64 $7.78 $13.78 $8.47 $14.49
65-69 $11.03 $19.82 $11.72 $20.52
70+ $16.73 $29.38 $17.42 $30.07

 

Semi-monthly Premium for $20,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $3.30 $5.90 $6.30 $9.00
25-29 $3.40 $6.30 $6.50 $9.40
30-34 $4.40 $8.00 $7.50 $11.00
35-39 $6.40 $11.10 $9.40 $14.20
40-44 $9.80 $16.30 $12.90 $19.40
45-49 $13.20 $22.40 $16.30 $25.50
50-54 $19.40 $32.40 $22.40 $35.40
55-59 $24.90 $43.00 $27.90 $46.10
60-64 $33.70 $59.70 $36.70 $62.80
65-69 $47.80 $85.90 $50.80 $88.90
70+ $72.50 $127.30 $75.50 $130.30

 

Weekly Premium for $20,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $1.52 $2.72 $2.91 $4.15
25-29 $1.57 $2.91 $3.00 $4.34
30-34 $2.03 $3.69 $3.46 $5.08
35-39 $2.95 $5.12 $4.34 $6.55
40-44 $4.52 $7.52 $5.95 $8.95
45-49 $6.09 $10.34 $7.52 $11.77
50-54 $8.95 $14.95 $10.34 $16.34
55-59 $11.49 $19.85 $12.88 $21.28
60-64 $15.55 $27.55 $16.94 $28.98
65-69 $22.06 $39.65 $23.45 $41.03
70+ $33.46 $58.75 $34.85 $60.14

 

Semi-monthly Premium for $30,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $4.95 $8.85 $9.45 $13.50
25-29 $5.10 $9.45 $9.75 $14.10
30-34 $6.60 $12.00 $11.25 $16.50
35-39 $9.60 $16.65 $14.40 $21.30
40-44 $14.70 $24.45 $19.35 $29.10
45-49 $19.80 $33.60 $24.45 $38.25
50-54 $29.10 $48.60 $33.60 $53.10
55-59 $37.35 $64.50 $41.85 $69.15
60-64 $50.55 $89.55 $55.05 $94.20
65-69 $71.70 $128.85 $76.20 $133.35
70+ $108.75 $190.95 $113.25 $195.45

 

Weekly Premium for $30,000 of Coverage (Non-Tobacco)

Issue Age Associate Only Associate + Spouse Associate + Child(ren) Associate + Family
<25 $2.28 $4.08 $4.36 $6.23
25-29 $2.35 $4.36 $4.50 $6.51
30-34 $3.05 $5.54 $5.19 $7.62
35-39 $4.43 $7.68 $6.51 $9.83
40-44 $6.78 $11.28 $8.93 $13.43
45-49 $9.14 $15.51 $11.28 $17.65
50-54 $13.43 $22.43 $15.51 $24.51
55-59 $17.24 $29.77 $19.32 $31.92
60-64 $23.33 $41.33 $25.41 $43.48
65-69 $33.09 $59.47 $35.17 $61.55
70+ $50.19 $88.13 $52.27 $90.21

*Tobacco users are subject to higher premiums.

Accident Insurance

Accident Insurance

Pays cash directly to you after a covered accident occurs to use any way you choose.

Coverage Level Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $5.39 $2.49
Associate + Spouse or Domestic Partner $9.29 $4.29
Associate + Child(ren) $9.52 $4.39
Associate + Family $11.70 $5.40
Hospital Indemnity Insurance

Hospital Indemnity Insurance

Pays cash directly to you after a hospitalization, injury or sickness.

Coverage Level Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $16.24 $7.50
Associate + Spouse or Domestic Partner $30.55 $14.10
Associate + Child(ren) $25.21 $11.63
Associate + Family $41.67 $19.23
Legal Insurance

Legal Insurance

Provides access to expert advice from licensed attorneys and provides document preparation and review.

Coverage Level Community/Hospice/Home Office Semi-Monthly Cost At Home Weekly Cost
Associate Only $9.00 $4.15