Trees bloom outside the County`s Administrative Complex on 9th Street
Trees bloom outside the County`s Administrative Complex on 9th Street


Medical Man  Medical - Dental - Vision 

Washoe County offers its employees comprehensive medical, dental, and vision insurance coverage.  Employees have three health plans to select from:  a Self-funded Group Health Plan, which utilizes a Preferred Provider Organization (PPO), a Health Savings Account (HSA) paired with a qualified High Deductible Health Plan (HDHP) or a Health Maintenance Organization (HMO).  Employees become eligible for these benefit plans after 90 days of employment.

The County pays all or a portion of the premium cost for employee coverage based on employee contract agreements.  For employees who wish to cover their dependents, premiums are deducted each pay period on a pre-tax basis*.  Employees pay 50% of dependent premiums.  The table below outlines the cost, per pay period, to the employee based upon plan selection and number of family members covered:

For Fiscal Year 14-15  PPO    HDHP    HMO 
Spouse or Domestic Partners*   $154.58 $107.96 $136.01
Child or Children


$90.29 $110.52
Family (spouse plus child/ren) $265.60


* Domestic Partner premium is a post-tax deduction 

Summary of Benefits

Benefit Comparison

Eligibility Quick Reference

Glossary of Terms

CDS Group Health Logo  Self-funded Group Health Plan (SFGHP)

The PPO Plan for the Self-funded Group Health Plan is administered by CDS Group Health and the Preferred Provider Network is maintained by Universal Health Network.

Prescription benefits under this plan are managed by CVS Caremark.

Self-funded Plan Summary

Self-funded Plan Document

Self-funded PPO Provider Network

Self-funded Plan Summary of Benefits and Coverage (SBC)

Amdrican Fidelity logo  High Deductible Health Plan (HDHP) with a Health Savings Account (HSA)

The High Deductible Health Plan (HDHP) is administered by CDS Group Health and is paired with a Health Savings Account (HSA) which is administered by American Fidelity Assurance Company.

HSA Summary

Self-funded High Deductible Plan Summary

PPO and HDHP Comparison 2013

HDHP Plan Summary of Benefits and Coverage (SBC)

Hometown Health Logo  Health Maintenance Organization (HMO) Plan

This plan is administered by Hometown Health, with prescription benefits managed by MedImpact

HMO Plan Summary

HMO Rx Summary

Hometown Health HMO Provider Network

HMO Summary of Benefits and Coverage (SBC)

American Fidelity Gap Plan Logo  GAP Plan (American Fidelity)

This GAP Plan is administered by American Fidelity Assurance Company, and is designed to help cover some of your out of pocket expenses with the HMO group health plan. 

Gap Plan and HMO Participants

GAP Summary with Rates

Gap Plan Reimbursement Form

 Vision- Dental picture  Dental and Vision Benefits

The Dental and Vision benefits are the same for all employees, regardless of which medical coverage is elected.  Coverage under the dental and vision benefit plans is bundled with the medical plans, so employees are not able to opt out of any coverage offered. 

The self-funded dental plan is administered by CDS Group Health and the list of PPO dental providers is managed by Guardian

Dental Plan Summary

Dental Plan Provider Network

Self-funded vision benefits are with Vision Service Plan (VSP):

Vision Plan Summary

Vision Service Plan (VSP) Provider Network

Life Insurance logo  Life Insurance

Washoe County provides its employees with basic life insurance coverage up to $20,000.  Supplemental life insurance is available for purchase; please see additional information under Supplemental Benefits web page.

Flag and Capital building  Cobra

The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1985 mandates that employers offering health insurance with 20 or more employees must continue to offer employee benefits when they quit, are laid off or fired, or have their work hours reduced. Additionally, benefits must be offered to the employee’s spouse and dependents. COBRA benefits apply to health care plans, dental plans, vision plans, prescription drug plans, etc. Benefits may continue for up to 18, 24, 29 or 36 months, depending on the cause for the loss of benefits. 

Monthly Cobra Premium Rates  FY 2014-2015

PPO - Option A Medical/Vision/Dental

PPO - Option B Medical Only

HMO - Option A Medical/Vision/Dental

HMO - Option B Medical Only

Employee (coverage for one)          $685.73 $626.03 $641.20 $$581.50
Employee plus Spouse $1,368.48 $1,256.48 $1,241.87 $1,129.86
Employee plus Child/ren $1,249.15 $1,145.65 $1,129.18 $1,025.68
Employees plus Family $1,859.18 $1,699.77 $1,947.31 $1,787.90

Rates for Dependents Only

Spouse $685.73 $626.03 $641.20 $581.50
One Child Only $685.73 $626.03 $641.20 $581.50
Two + Children $1,249.15 $1,145.65 $1,129.18 $1,025.68
Spouse and Child/ren $1,249.15 $1,145.65 $1,129.18 $1,025.68

NOTE: The medical, dental, vision, prescription and life benefit plans are administered by the Human Resources department at Washoe County.   The benefit information provided is subject to change.  If there are conflicts of benefit descriptions at any time, the plan document for that benefit will prevail.

American Fidelity logo Flexible Spending Account (FSA)

Plan Section 125 Flexible Benefit Plans allow employees to direct a part of their pay, on a pre-tax basis, into a special account that can be used to reimburse them for Dependent Day Care and/or Unreimbursed Medical expenses. Because the money goes into the accounts before federal income taxes or FICA contributions are withheld, the employee pays less in taxes, and ultimately has more disposable income. As qualified Dependent Day Care and/or Unreimbursed Medical expenses are incurred, the employee submits appropriate claim paperwork to the plan administer for reimbursement.

A limited-purpose Flexible Spending Account (FSA) is also available to participants in the Health Savings Account/High Deductible Health Plan.  This plan limits your FSA reimbursements to dental and vision expenses only.

Washoe County's Flexible Spending Benefit Plan is administered by American Fidelity Assurance Company.

ABC Blocks Dependent Day Care Reimbursement

A Dependent Day Care Reimbursement account is used to reimburse eligible dependent care expenses incurred to allow the employee (and spouse if married) to work or look for work. Employees at Washoe County may allocate up to $5, 000 pre-tax per calendar year for reimbursement of dependent care services ($2,500 if you are married and file a separate tax return).

Dependent Day Care Reimbursement Claim Form

medical paraphernalia Unreimbursed Medical Expense Account

An Unreimbursed Medical Expense Account may be used to reimburse eligible medical expenses incurred for the employee, spouse and eligible dependents. Example of eligible medical expenses may be found on American Fidelity's website. Employees at Washoe County may allocate between $300 and $2,500 pre-tax dollars per calendar year for reimbursement of eligible medical expenses.

Unreimbursed Medical Claim Form

Piggy bank Reimbursement Process

Upon incurring an eligible expense, participants should complete the claim form appropriate for the expense (Dependent Day Care or Unreimbursed Medical) and submit the completed form along with supporting receipts to American Fidelity. Instructions are provided on the claim forms.

To expedite the reimbursement process, employees may wish to have reimbursements directly deposited into a checking or saving account. To enroll in that option, complete the direct deposit form and return it to American Fidelity.

Direct Deposit Form

The benefit information provided is subject to change. If there are any conflicts of benefit descriptions at any time, the plan document for that benefit will prevail.

Thank you for visiting the Washoe County HR Website. 

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