Medical Coverage

The amount you pay for medical coverage depends on

1. The plan you select,
2. The coverage tier you select (Employee Only, Employee Plus One, or Employee Plus Family), and
3. Your salary.

The cost of coverage is the price tag. Segal provides you medical flex credits to offset the price tag. Flex credits are allocated by salary band:

Annual Salary                     Monthly Flex Credit  

Under $77,000                    $424  

$77,000-$134,999              $400

$135,000-$199,999            $376

$200,000 and above           $352

The chart below shows how much you will pay for medical coverage each month based on your salary band, after the flex credits are deducted from the price tag. It also compares pricing for all available medical plans, including those plans that may be outside of your area. All rates are monthly and effective January 1, 2025.

When you log in to HRConnect to elect your medical coverage for 2025, you will see your pay-period cost (the monthly price tag less the flex credit, divided by two). HRConnect also shows the full pay-period price tag and the flex credit. On your paystub, you will see the pay-period price tag and the pay-period flex credits (all flex credits are added together on paystubs). The price tags less the flex credits equal your net out-of-pocket cost. 

Note for Part-time Employees: if you are working less than the standard office hours, your medical flex credits will reflect the percentage of hours you work. For example, if you are working a 60% schedule and your salary is between $77,000-$134,999, your medical flex credits will be 60% of $400, or $240 per month. As such, the chart below will NOT have your correct net out-of-pocket cost. For your out-of-pocket cost, review your benefit enrollment in HRConnect.

Note for Employees who Waive Medical Coverage: You must re-select the medical waiver each year.  You must attest to having other minimum essential coverage at least every plan year in which you waive coverage.