Health & Dental Insurance

Cigna Medical Insurance

Churchill County pays 100% of employee-only coverage for the base medical plan (Open Access 1500) offered through Cigna. Employees may purchase dependent coverage, with the employee paying 100% of the dependent premiums through payroll deduction. Employees may also choose to "buy up" to a slightly richer plan (Open Access 750) for $28.78 per month, or they may choose the high-deductible plan (HSA 2700/2800) with a Health Savings Account. For Fiscal Year 2023-24, the county will contribute $166.00 per month ($1,992 per year) into an employee’s Health Savings Account.

Cigna Dental Insurance

Churchill County also pays 100% of employee-only coverage for the base dental plan offered through Cigna. Employees may purchase a buy-up plan if they choose. The slightly richer plan would cost the employee $12.14 per month (for employee-only coverage). The buy-up plan includes orthodontia coverage for children (below 19 years of age) in the amount of $1,500 for each covered child’s lifetime.

The Cigna website contains a wealth of information, including a way to find medical care providers.

Cigna Summary Plan Descriptions

Following are Summary Plan Descriptions for each of the health and dental insurance plans available to employees and retirees:

• Open Access 1500 (PDF) ($1,500 Deductible)
• Open Access 750 (PDF) ($750 Deductible - Buy-Up Plan)
• HSA 2700/2800 (PDF) ($2,700/$2,800 Deductible, with a Health Savings Account)
• Base Dental Plan 
• Buy-Up Dental Plan 

Summaries of Benefits and Coverage (SBCs): To help individuals better understand the plans, the County has posted Summaries of Benefits and Coverage (SBCs) for each the plans available. These forms meet the standards for notices required under the federal Affordable Care Act.

• Open Access 1500 (PDF) ($1,500 Deductible)
• Open Access 750 (PDF) ($750 Deductible) 
• HSA 2700/2800 (PDF) ($2700/$2,800 Deductible) 

Full Booklets: The full booklets describing each plan in further detail are available below.

• Open Access 1500 (PDF)
• Open Access 750 (PDF)
• HSA 2700/2800 (PDF)

Employee Premiums

Churchill County is pleased to pay 100% of the employee-only premiums of the base plan (Open Access 1500) to provide comprehensive health insurance coverage for its employees. Employees may choose to buy up to a richer plan (Open Access 750) or choose a high-deductible health plan that includes a health savings account (HSA 2700/2800). Employees may also elect dependent coverage, for which employees pay 100% of the premiums. The monthly premiums are listed below for each of the plans.