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Sheila Risper
Employee Services Manager

Government Center
100 10th Street
1st Floor West Wing
Columbus, Georgia 31901

Fax: 706.653.4066

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The CCG offers a variety of insurance opportunities to it's employee and their dependents. All regular full-time employees become eligible for coverage after they have been employed for 30 days. Open enrollment is conducted on an annual basis and allows employees to make changes to their insurance plans at that time. Employees may make changes to insurance due to a Qualifying Life Event.

Employee $67.33 $62.28 $56.55
Employee + Spouse $126.58 $117.08 $106.32
Employee + Child(ren) $117.83 $108.98 $98.97
Employee + Family $186.50 $172.50 $156.65

High Option
Low Option
Employee $11.86 $7.59
Employee + Spouse $25.86 $15.18
Employee + Child(ren) $26.85 $14.42
Employee + Family $41.45 $22.77

Vision Plans (BCBSGA)
Employee $3.29
Employee + Spouse $5.74
Employee + Child(ren) $6.24
Employee + Family $9.52

Plan Provisions HWC HMO POS/PPO
Lifetime Maximum Unlimited Unlimited Unlimited
Deductible (individual/family) $500/$1000 $1000/$2000 $1000/$2000
Annual Out of Pocket Maximum $1000/$2000 $6350/$12,700 $6350/$12,700
Coinsurance 90% 90% 80%
Preventive Care
Immunizations 100% (no copay) 100% (no copay) 100% (no copay)
Pap Smear/Mammography/Prostrate Screening 100% (no copay) 100% (no copay) 100% (no copay)
Office Visits
Primary Care $50 (free at HWC) $20 $30
Specialist $20 (with HWC referral) $30 $40
Hospital/Inpatient Services 10% after deductible 10% after deductible 20% after deductible
Emergency Room (waiver if admitted) $150 copay $150 copay $150 copay
Urgent Care $20 copay $30 $30
Prescription Drugs
Generic (30 day supply) $20 $20 $20
Brand (30 day supply) $40 $40 $40
Non-Formulary (30 day supply) $60 $60 $60
Generic (mail order 90 day supply) $40 $40 $40
Brand (mail order 90 day supply) $80 $80 $80
Non-Formulary (mail order 90 day supply) $120 $120 $120


Life Insurance - CIGNA

Basic Life/AD&D

As an eligible employee, the City automatically provides you with a life insurance benefit 1.5 times your annual base salary (rounded up to the nearest $1,000) up to a $250,000 maximum benefit. You also receive an equal amount of accidental death and dismemberment protection.

Supplemental Life

Supplemental increments of $10,000 up to a benefit maximum of $500,000.
Current participants are allowed a $10,000 increase to their 2014 supplemental life insurance amount on a guaranteed basis at annual enrollment provided your supplemental life insurance benefit does not exceed the lesser of $210,000 or 3 times annual basic earnings.

Spouse/Dependent Life Insurance

During the annual enrollment period, if you are currently enrolled for spouse coverage, you can increase coverage for your spouse by one $2,000 increment without providing evidence of insurability. If you are electing spouse coverage for the first time, you can elect coverage for your spouse in the amount of $2,000 without providing evidence of insurability during the annual enrollment period.

Flexible Spending Accounts (FSAs)

Flexible Spending Accounts (FSAs) allow you to set aside pre-tax money through payroll deductions to use for qualified Health and Dependent Care Expenses.

Plan Year Contribution Limits:

Fund Availability

NEW Feature! You can rollover up to $500 to the next plan year!

NOTE: FSA must be re-elected every year. Enrollment is not automatic.

Employee Assistance Program (EAP)

As a valued City employee, you and your family have access to the EAP, at no cost to you. Through the Pastoral Institute, you and your family members can obtain a range of services, including confidential counseling, information, and personalized referrals to help you through difficult times or stressful situations.


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