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Employee Premiums

Coverage Costs

Get the details on how much to budget for monthly premiums.

Active Employee Premiums 

USG shares the cost of coverage with you. The premiums included here are your total monthly plan costs based on the type of coverage you’re eligible for and enrolled in. These can be deducted from your paycheck either pre- or post-tax on a bi-weekly, monthly or 7/5 basis. In most cases, core benefits such as healthcare, dental and vision are deducted pre-tax, and all other benefits can be elected for a post-tax deduction.

To see your personal coverage costs for the plans you’re enrolled in, visit OneUSG Connect.

  • Healthcare

    See the Healthcare Coverage Options and Pharmacy pages to learn more about what’s covered under these plans.

    2025 Monthly Healthcare Plan Costs

     Coverage TierAnthem Consumer Choice HSAAnthem Comprehensive CareAnthem BlueChoice HMOKaiser Permanente HMO
    Employee Only$97.72$220.00$273.78$206.16
    Employee + Child(ren)$207.70$427.82$524.62$395.56
    Employee + Spouse242.32$499.14$612.08$461.48
    Family$346.18$713.04$874.38$659.26
  • Dental

    See the Dental page to learn more about what’s covered under these plans. 

    2025 Monthly Dental Plan Costs

     Coverage TierDelta Dental Base PlanDelta Dental High PlanDelta Dental HMO (For Georgia Tech Employees)
    Employee Only$36.86$45.56$18.54
    Employee + Child(ren)$70.04$86.56$38.66
    Employee + Spouse$73.74$91.08$37.26
    Family$117.96$145.80$62.22
  • Vision

    See the Vision page to learn more about what’s covered under this plan. 

    2025 Monthly Vision Plan Costs - EyeMed Vision Plan

    Coverage TierMonthly Premium
    Employee Only$6.90
    Employee + Child(ren)$13.12
    Employee + Spouse$15.52
    Family$20.34
  • Life and AD&D

    The University System of Georgia provides you with $25,000 basic term life, with matching accidental death and dismemberment (AD&D), at no additional cost to you. 

    You may elect additional supplemental life, Accidental Death & Dismemberment and/or Dependent life insurance for you and your family. The costs, deducted from your pay on a post-tax basis, are listed below. Visit the Life and AD&D Insurance page to learn more about these options.  

    2025 Monthly Supplemental Life and AD&D Costs*

    Age Cost per $1,000 of coverage per month
    Under 25$0.057
    25-29$0.066
    30-34$0.083
    35-39$0.091
    40-44$0.109
    45-49$0.143
    50-54$0.212
    55-59$0.384
    60-64$0.590
    65-69$1.175
    70 and over$2.026

    * Rates may increase with age.

    2025 Monthly Spouse Life Costs*

    Age Cost per $1,000 of coverage per month
    Under 25$0.047
    25-29$0.057
    30-34$0.077
    35-39$0.087
    40-44$0.096
    45-49$0.146
    50-54$0.226
    55-59$0.424
    60-64$0.651
    65-69$1.254
    70-74$2.035
    75 and over$3.001

    * Rates may increase with age.

    2025 Monthly Child Life Costs*

    Coverage amountCost per month
    $5,000$0.55
    $10,000$1.10
    $15,000$1.65

    * The rate covers all eligible children covered under the plan.  

    2025 Monthly Voluntary AD&D Costs

     Cost per $1,000 of coverage per month
    Employee only$0.016
    Employee + family$0.028
  • Disability

    Visit the Disability page to learn more about these options.  

    2025 Monthly Disability Costs

     Rate (varies by salary)
    Short-term disability

    $0.274/$10 of covered benefits

    Example: 

    Annual Salary = $56,000

    $56,000/52 = $1,076.92 weekly covered salary

    $1,076.92 x 0.60 = $646.15 weekly benefit

    $646.15 x 0.274/$10 = $17.70

    Long-term disability

    $0.266 / $100 of covered salary

    Example:

    Annual Salary = $56,000

    $56,000/12 = $4,666.67 monthly covered salary

    $4,666.67 x 0.266/$100 = $12.41

  • Accident Plan

    Visit the Accident, Critical Illness, and Hospital Indemnity Plan  page to learn more about this benefit. 

    2025 Monthly Accident Plan Costs

    Coverage TierMonthly Premium
    Employee Only$6.80
    Employee + Spouse$11.46
    Employee + Child(ren)$13.06
    Family$17.72
  • Hospital Indemnity

    Visit the Accident, Critical Illness, and Hospital Indemnity Plan page to learn more about this benefit. 

    2025 Monthly Hospital Indemnity Plan Costs

    Coverage TierMonthly Premium
    Employee Only$9.22
    Employee + Spouse$18.48
    Employee + Child(ren)$15.02
    Family$24.28
  • Critical Illness

    Visit the Accident, Critical Illness, and Hospital Indemnity Plan page to learn more about this benefit.  Rates are based on who is covered, age, and whether or not you are a tobacco user. For 2025 rates, please review the 2025 Comparison Guide

  • Identity Theft

    Identity Theft Protection

    Visit the Identity Theft Protection page to learn more about this benefit. 

    2025 Monthly Identity Theft Protection Costs

    Employee onlyEmployee + family
    $8.94$16.94
  • Pet Insurance

    Pet insurance

    Your monthly premium for the MetLife Insurance My Pet Protection plan may vary based on the coverage selected and the number of pets covered. You’ll pay your premium to Metlife Insurance directly. It will not be deducted from your pay. 

    Visit the Pet Insurance page to learn more about this benefit. 

  • Legal plan

    Legal plan

    Your monthly premium is $15.00 per month through payroll deduction. The plan can be used by anyone within the household for whom you provide financial support, including you, your spouse, your eligible dependent children (up to the end of the month of the child’s 26th birthday), and elderly parents.

    Visit the Legal Plan page to learn more about this benefit. 

  • Home, Auto, Renters insurance

    Home, Auto, Renters insurance

    Your monthly premium for the Farmers Insurance Choice home, auto, renters insurance plans may vary based on the coverage selected . You’ll pay your premium to the insurance company directly. It will not be deducted from your pay. 

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