Learn more about the details of your Baltimore County benefits plan, how to make changes and who to contact for specific questions.
2022 Guides and Rates
View the guides and rates for active employees and retirees below, as well as forms related to benefits changes.
- 2022 Benefits Guide
- Rate Sheet—Active employees hired prior to July 1, 2007
- Rate Sheet—Active employees hired on or after July 1, 2007
- Rate Sheet—Non-Medicare Retirees
Summary of Benefits Coverage Forms—Clearly outline benefits and coverage options, and can help you make an informed decision about your medical plan choice.
Below are some of the forms you need for County benefit plans.
- Benefits Change—Active employees can use this form during the year when they have a change to their benefits status. Complete the form online then print a copy of it. Sign and date the completed form and attach documentation for the requested change.
Health Insurance Application—Retirees only - Dental and Vision Application—Retirees only
2021 Guides and Rates
View the guides and rates for active employees and retirees below.
- 2021 Benefits Guide—Benefits at a Glance
- Rate Sheet—Hired prior to July 1, 2007
- Rate Sheet—Hired on or after July 1, 2007
Summary of Benefits Coverage forms clearly outline benefits and coverage options, and can help you make an informed decision about your medical plan choice.
HSA and HDHP Information
Baltimore County contributes towards a Health Savings Account (HSA) to be used with the Cigna High Deductible Health Plan (HDHP). Learn more.
- Effective January 1, 2022, anyone enrolled in the Cigna HDHP will automatically be enrolled in an HSA.
- Employer contribution per year: $500 for individuals, $1,000 for families
- HSA’s will automatically be funded on January 1, 2022, regardless of employee contribution
Review Your Beneficiaries
It's important to update your beneficiary designations as your life situation changes (e.g., marriage, divorce, death, birth of a child, etc.) to ensure that your life insurance proceeds are paid to the appropriate persons.
Your life insurance will be paid to the beneficiaries named:
- Beneficiaries can include people, your estate or an organization, such as a charity.
- You must designate a primary beneficiary—the person who will receive a benefit upon your death.
- You have the option of designating contingent beneficiaries—those who receive a benefit in the event that all of the designated primary beneficiaries are deceased at the time of your death.
- If you name two or more beneficiaries in a class (primary or contingent), two or more surviving beneficiaries will share equally, unless you provide for unequal shares.
This beneficiary change is limited to your County life insurance plans only. Other plans that you have require a separate beneficiary change, including beneficiary elections for the Employee Retirement System, Deferred Compensation and Pension.
To designate or update your life insurance beneficiary, follow the below process:
- Log in to BenefitSolver. If you have not already created an online account, select Register and follow the instructions to create your account with MetLife.
- Select Change My Benefits.
- Select Basic Info.
- Select the Change of Beneficiary dropdown.
- In the Change of Beneficiary pop-up, enter today's date.
- Select Start Change.
Labor First: Retiree Private Medicare Exchange
After a careful analysis of the evolving health care market and a successful pilot program, and in cooperation with our County Government Labor Union representatives, Baltimore County has partnered with Labor First to provide our Medicare-eligible retirees, dependents and beneficiaries with access to quality, value-added healthcare coverage. Labor First is a retiree benefit administrator and advocacy company that specializes in retiree healthcare and is not an insurance carrier.
Labor First administers medical and prescription benefits exclusively through the Baltimore County Retiree Private Medicare Exchange. This platform offers sustainability over the long-term through an approach that allows the County to continue subsidizing your medical and prescription premiums based on your date and type of retirement, and years of service. Labor First premiums will be conveniently deducted from your Baltimore County Pension Check.
About the Plans
Watch the virtual retiree health seminar to learn more about the plans offered. Medicare retirees have the choice of five prescription plans, three Cigna Medicare Advantage plans, the Kaiser Medicare Advantage plan, the Cigna Medicare Surround Supplemental and the United American Supplemental plan. The Mid and High Cigna Advantage and Prescription plans have the addition of an "adherence package" that makes thousands of maintenance drugs available at $0 copay and no deductible. The Insurance Division continues to administer dental, vision and life insurance for Medicare retirees, along with all non-Medicare plans.
Learn More
Labor First has a team of Retiree Advocates dedicated to Baltimore County Government that can assist with the enrollment process, retiree advocacy and other support services. Call 410‑431‑2226 or 1‑855‑499‑2656 to speak to an advocate via a personalized phone consultation to evaluate your individual needs and discuss plan options.
Contact Your Plans
Contact your benefit plan directly using the information below.
| Insurance Type | Plan Name | Customer Service |
|---|---|---|
Medical | Cigna: Kaiser Permanente Select HMO, Prescription | |
Prescription (RX) | Cigna Pharmacy | |
Dental | CareFirst Traditional Dental/Preferred Cigna Dental Care Access (DHMO) | |
Mental Health | Cigna Cigna OAP, OAPIN, HDHP | |
EAP | Cigna | |
Vision | CareFirst BCBS Davis Vision | |
Flexible Spending, Commuter Choice, Health Savings Accounts | Benefit Strategies, LLC | |
Life Insurance | ||
| Private Medicare Exchange | Labor First | 410‑431‑2226 1‑855‑499‑2656 (TTY: 711) |
Voluntary Long-Term Disability (VLTD) | New York Life | 1-888-842-4464 |
County Contacts
Contact the County for the following questions regarding your benefits plan.
| Contact | Regarding |
|---|---|
Insurance Division |
|
Baltimore County Retirement Office |
|
Baltimore County Pay Systems |
|
Baltimore County Office of Human Resources |
|
Baltimore County Public Library Human Resources | This contact information applies only to Baltimore County Public Library active employees. Effective January 1, 2019, Baltimore County Government will be administering benefits for Baltimore County Public Library Retirees. Contact the Baltimore County Insurance Division if you have questions regarding Retiree Health Insurance benefits. |