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FY2025 Rates
Monthly Contributions
The State shares the cost of health coverage with you. While the State covers most of the cost, you must make monthly contributions determined by your annual salary. The following chart outlines monthly contribution rates for full-time members. Part-time members are required to pay a percentage of the State's portion of the monthly contribution in addition to their own. Special rules apply for non-IRS dependents (see MyBenefits.illinois.gov for more information).
| Employee Annual Salary | Aetna HMO |
Blue Advantage HMO | Health Alliance Illinois |
HMO Illinois |
Aetna OAP |
BCBSIL OAP | Health Link OAP |
Consumer Driven Health Plan |
Quality Care Health Plan |
|---|---|---|---|---|---|---|---|---|---|
| $30,200 & below |
$130 |
$104 |
$130 | $108 |
$124 |
$124 | $138 | $105 | $144 |
| $30,201 - $45,600 | $149 |
$123 |
$149 | $127 | $143 | $143 | $157 | $124 | $163 |
| $45,601 - $60,700 | $168 |
$142 |
$168 | $146 | $162 | $162 | $176 | $143 | $181 |
| $60,701 - $75,900 | $186 |
$160 |
$186 | $164 | $180 | $180 | $194 | $161 | $200 |
| $75,901 - $100,000 | $205 |
$179 |
$205 |
$183 | $199 | $199 | $213 | $180 | $219 |
| $100,001 & above |
$259 |
$233 | $259 | $237 | $253 | $253 | $267 | $234 | $273 |
| $125,001 & Over |
$292 | $266 | $292 | $270 | $286 | $286 | $300 | $267 | $306 |
Members who retire, accept a salary reduction, or return to State employment at a different salary may have their monthly contribution adjusted based upon the new salary. This applies to members who return to work after having a 10-day or greater break in State service after terminating employment. This does not apply to members who have a break in coverage due to a leave of absence.
Dependent Monthly Health Plan Contributions
In addition to monthly contributions for their own health coverage, members must make additional monthly contributions for dependents they cover. Dependents must be enrolled in the same plan as the member. The Medicare dependent monthly contribution applies only if Medicare is primary for both Parts A and B.
| Number of Dependents | Aetna HMO | Blue Advantage HMO | Health Alliance Illinois |
HMO Illinois |
Aetna OAP |
BCBSIL OAP | HealthLink OAP |
Consumer Driven Health Plan |
Quality Care Health Plan |
|---|---|---|---|---|---|---|---|---|---|
| 1 Dependent |
$201 |
$164 | $201 | $168 | $192 | $192 | $210 | $175 | $297 |
| 2+ Dependents |
$246 |
$200 |
$247 |
$207 |
$237 | $237 | $263 | $219 | $335 |
| 1 Medicare A & B Primary Dependent |
$178 |
$143 |
$177 |
$147 |
$169 | $169 | $186 | $152 | $190 |
| 2+ Medicare A & B Primary Dependents |
$220 |
$178 |
$221 |
$184 |
$211 | $211 | $233 | $193 | $251 |
Dental
Employees have the option to enroll in Dental Only coverage. However, if you enroll in health coverage and choose dental coverage, dependents must mirror the coverage of the member.
The State’s Quality Care Dental Plan (QCDP) offers a comprehensive range of benefits and is available to all members and is administered by Delta Dental of Illinois. Visit MyBenefits.illinois.gov for a Dental Schedule of Benefits.
| Member Monthly Quality Care Dental Plan (QCDP) Contributions** | ||
|---|---|---|
| Member Only | Member + 1 Dependent | Member + 2 or More Dependents |
| $15.00 | $25.00 | $27.50 |
| ** Part-time employees are required to pay a percentage of the State’s portion of the contribution in addition to the member contribution. Special rules apply for non-IRS dependents (see MyBenefits.illinois.gov for more information). | ||
Life
Basic Life Insurance is provided at no cost to all active members, retirees, and annuitants. Active employees receive an amount equal to their annual salary. Retirees and annuitants under age 60 receive an amount equal to their annual salary on their last day of active employment. Retirees and annuitants aged 60 or older receive a $5,000 benefit.
Member Optional Life coverage is available to active members, retirees, and Immediate annuitants under age 60 at 1-8 times their Basic Life amount and to retirees and Immediate annuitants aged 60 or older at 1-4 times their Basic Life amount. The maximum benefit allowed for Member Optional Life Plus Basic Life is $3,000,000. Rate changes due to age go into effect the first pay period following the member's birthday.
Note: Deferred Annuitants are not eligible for Member Optional Life coverage
| Monthly Optional Term Life Insurance Contributions | |
|---|---|
| Member by Age | Monthly Rate per $1,000 |
| Under 30 | $0.03 |
| Ages 30 - 39 | $0.05 |
| Ages 40 - 44 | $0.09 |
| Ages 45 - 49 | $0.12 |
| Ages 50 - 54 | $0.19 |
| Ages 55 - 59 | $0.36 |
| Ages 60 - 64 | $0.56 |
| Ages 65 - 69 | $1.26 |
| Ages 70 and above | $2.06 |
| Accidental Death & Dismemberment | $0.02 |
| Spouse Life $10,000 coverage (Members, retirees and annuitants under age 60) | $5.70 |
| Spouse Life $5,000 coverage (Retirees and annuitants aged 60 or older) | $2.85 |
| Dependent Children (for $10,000 coverage) | $0.60 |