Employee Benefits

Dental Insurance

The City of Bay City provides employee dental coverage, with dependent coverage available for an additional cost. The City’s dental provider is BCBS. View Dental Plan Highlights (PDF).

Benefits

  • Deductible: $50 (Individual), $150 (Family)
  • Benefit Services:
    • Basic: 80%
    • Major: 50%
    • Orthodontics: 50%
    • Preventative: 100%
  • Cost:
    • $0 (EE Only, Paid for by City)
    • $50.81 per month (EE and Spouse)
    • $68.78 per month (EE and Child/Children)
    • $104.16 per month (EE and Family)
  1. Medical
  2. Vision
  3. Life / AD&D
  4. Retirement
  5. 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, 2021 through September 30, 2022. The City of Bay City offers two medical plans for employees to choose from.  View HMO benefit highlights HMO Summary of Benefits.  View base benefit plan highlights and buy-up plan benefit highlights in our Summary of Benefits.

HMO Plan

  • Deductible: $2,500 (Individual), $7,500 (Family)
  • Co-Pay: $35 (PCP), $70 (Specialist)
  • Referral:  PCP Referral required for Specialist
  • Prescriptions: $0, $10, $50, $100
  • Cost:
    • $26.29 per month (EE Only)
    • $151.81 per month (EE and Spouse)
    • $130.12 per month (EE and Child/Children)
    • $216.87 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 HMO Plan. Once an employee meets the first $1,000 for the $2,500 deductible, they are eligible for reimbursement, up to $1,500.

Base Plan (PPO)

  • Deductible: $3,000 (Individual), $9,000 (Family)
  • Co-Pay: $40 (Office and Specialist)
  • Prescriptions: $20, $40, and $60
  • Cost:
    • $49.31 per month (EE Only)
    • $284.76 per month (EE and Spouse)
    • $244.08 per month (EE and Child/Children)
    • $406.80 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:
    • $255.16 per month (EE Only)
    • $717.03 per month (EE and Spouse)
    • $614.59 per month (EE and Child(ren))
    • $1,024.35 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 $2,750 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.