Our Health Program


The PDRMA Health Program offers a variety of quality benefits to choose from to create an agency-specific benefit plan. Each member agency chooses plans that all employees have the option to enroll in independently. For example, a member could offer the $250 PPO and the HMO, basic dental, a $200 vision benefit, EAP, and $50,000 of life insurance for each employee.

BENEFIT
PLAN SELECTION OPTIONS
REQUIRED
Medical

1. PPO Medical Plan — The PPO is a self-funded, comprehensive medical plan with prescription coverage. There are five deductible options:

  • $250
  • $500
  • $1,250
  • $1,500
  • $2,000
  • $2,500
  • $3,000

2. PPO Medical Plan with Health Reimbursement Account (HRA) — There are three deductible with HRA additional options:

  • $1,250/1,000 HRA
  • $1,500/1,250 HRA
  • $1,500/1,000 HRA
  • $2,000/1,500 HRA
  • $2,000/1,250 HRA
  • $2,000/1,000 HRA
  • $2,500/2,000 HRA

3. HMO Plan — Blue Cross Blue Shield of Illinois.

4. All three — Employees choose which they want to enroll in.

Yes
Dental

Dental PPO — Delta Dental of Illinois. There are two options:

  • With orthodontia
  • Without orthodontia

No
Vision

Vision Plan — A self-funded indemnity reimbursement plan with two annual limits to choose from:

  • $200
  • $400
  • $600
No
EAP
Included with all plans.
Yes
Group Life Insurance

  1. Flat $25,000.
  2. One times the annual salary up to $200,000.
  3. Two times the annual salary up to $200,000.
  4. Two times the annual salary up to $100,000.
  5. One-and-a-half times the annual salary up to $200,000.
  6. Flat $50,000.
  7. One-and-a-half times the annual salary up to $50,000.
Yes
Additional Life Insurance
Optional benefit
No

The PDRMA Health Program covers:

  • Active, full-time employees working at least 30 hours a week.
  • Spouses, domestic partners (optional), and civil union spouses.
  • Retirees until age 65.
  • Dependent children until age 26.
  • Disabled dependent children beyond age 26.
  • Military-veteran dependent children until age 30.

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