Employee Benefits

  1. Medical
  2. Dental
  3. Vision
  4. Life / AD&D
  5. Retirement
  6. Vacation

Medical Insurance

The City of Bay City provides employee medical coverage, with dependent coverage available for an additional cost. The City’s medical provider is Blue Cross Blue Shield, effective October 1, 2017 through September 30, 2018. The City of Bay City offers two medical plans for employees to choose from. View base benefit plan highlights and buy-up plan benefit highlights in our Summary of Benefits (PDF).

Base Plan (PPO)

  • Deductible: $3,000 (Individual), $9,000 (Family)
  • Co-Pay: $40 (Office and Specialist)
  • Prescriptions: $20, $40, and $60
  • Cost:
    • $47.48 per month (EE Only)
    • $274.20 per month (EE and Spouse)
    • $235.03 per month (EE and Child/Children))
    • $391.72 per month (EE and Family)
  • Health Reimbursement Account (HRA): The City of Bay City offers the use of an HRA for those eligible employees that sign up for the Base Plan. Once an employee meets the first $1,000 of the $3,000 deductible, they are eligible for reimbursement, up to $2,000.

Buy-Up (PPO):

  • Deductible: $500 (Individual), $1,500 (Family)
  • Co-Pay: $20 (Office and Specialist)
  • Prescriptions: $20, $35, and $45
  • Cost:
    • $253.84 per month (EE Only)
    • $467.60 per month (EE and Spouse)
    • $846.46 per month (EE and Child(ren))
    • $1,010.82 per month (EE and Family)

Flexible Spending Account (FSA)

The City of Bay City offers an FSA to all eligible regular full-time employees as a part of the City’s health insurance plan. An employee may set aside up to $2,550 on a FSA Card to help alleviate health care cost. Eligible expenses for the FSA Card (PDF) range from purchasing crutches to vision correction surgery.