GARFIELD COUNTY SHERIFF’S OFFICE 2025 BENEFITS SUMMARY
MEDICAL
· Dependents up to age 26 are covered, regardless of status.
· In-network coverage at 80% and out-of-network coverage at 60%.
· You pay all costs up to the deductible amount of your plan.
· PPO 5 is a BUY UP plan. The employee pays part of the premium for this plan.
· HDHP4/HSA is a partially county funded plan. The premiums for this plan are paid by the county however there is no co-payment amount associated with this plan and no benefits are covered until the deductible has been met.
· PPO 7 is the fully county-funded plan.
Marathon Health Clinic- No cost health and wellness care for all employees, spouses and dependents that are enrolled in medical plan.
Employee Costs
2025 PPO 5:
Employee only -$60.50 per paycheck, for 24 of 26 paychecks
Employee and Spouse - $141.50 per paycheck, for 24 of 26 paychecks
Employee and Child/Children - $132.50 per paycheck, for 24 of 26 paychecks
Employee and family - $157.00 per paycheck, for 24 of 26 paychecks
Flexible Spending Account Maximum need to read $3300
2025 PPO 7 and HDHP4:
No cost to the employee for any level of coverage (adding spouse and/or dependents).
Deductibles Per Individual:
PPO 5: $2,500 individual/$5,000 family
PPO 7: $4,000 individual/$8,000 family
HDHP4: $4,000 individual/$8,000 family
Office Visit Co-Pays:
PPO 5: $45
PPO 7: $55
HDHP4: Deductible + 20%
Maximum Out-of-Pocket:
PPO 5: $4,500 individual/$9,000 family
PPO 7: $5,000 individual/$10,000 family
HDHP4: $5,000 individual/$10,000 family
After meeting your maximum out of pocket, your coverage will continue at 100%.
DENTAL
Preventive care is covered at 100%, basic care at 80%, and major care at 50%. Basic Care and Major Care have a $50 per person annual deductible. There is a $2,000 per individual maximum per calendar year. Orthodontic care is available for children and must be completed by age 19 with a $2,000 lifetime maximum per individual.
VISION
Plan A - Through UMR and cost is fully covered by the County. Employees must choose a physician from the network.
Routine Eye Exam – $75 Allowance once every calendar year
Lenses once in a 24 month period with Allowance max between $75-$150 depending on lenses type.
Contacts $150.00 allowance once every 2 calendar years
Frames $150.00 allowance once every 2 calendar years
Plan C - Buy up Plan through VSP Insurance. This plan has an employee monthly cost.
Routine Eye Exam – once every calendar year $10.00 Co-pay
Lenses (Single, Bifocal, Trifocal, Lenticular) once every calendar year $10.00 Co-pay
Contacts $175.00 allowance every 12 months
Frames $175.00 allowance every 12 months
Employee Cost for Plan C:
Employee Only … $5/month
Employee + Spouse … $10/month
Employee + Children … $11/month
Employee + Family … $14/month
FLEXIBLE BENEFIT PLAN
Flexible Spending Account maximum contribution: $3300.00.
This plan pairs with a PPO medical plan.
HEALTH SPENDING ACCOUNT
The Health Savings Account can pair with the HDHP4 medical plan. The County has elected to contribute up to $1800.00 in 2025 depending on start date. Maximum contribution limits are $4300 annually for employee only and $8550 annually for employee and family.
EMPLOYEE ASSISTANCE PLAN (EAP)
EAP is a confidential service for employees and family members. The EAP offers counseling and educational services on a variety of topics.
LIFE INSURANCE
This plan provides a $50,000 term life insurance and AD&D benefit for employees. Voluntary life insurance is also available for the employee, spouse and dependents.
RETIREMENT PLAN
401(a) - Employees with less than 10 years of service contribute 5 percent of their gross earnings (pre-tax) and the county matches this amount. Employees with 10+ years of services contribute 6 percent of their gross earnings (pre-tax) and the county matches this amount. The county’s contribution is fully vested in five years at a rate of 20% per year, or age 55.
457(b) - Individuals can make additional, (after-tax) voluntary retirement or (pre-tax deferred) compensation contributions; these aren’t matched.