Voluntary Benefit Premiums

2025

Medical – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$59.77

$162.68

$116.20

$241.43

Employer Cost

$327.80

$651.21

$465.14

$804.99

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$5.54

$21.23

$16.66

$47.12

Employer Cost

$336.48

$697.27

$496.49

$876.72

NAU HSA contribution- Per Pay Period

Employee – $31.54

Employee + Adult – $63.08

Employee + Child – $63.08

Family – $63.08

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$26.17

$71.49

$57.30

$121.61

Employer Cost

$370.52

$763.03

$496.26

$863.99

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$10.15

$30.46

$25.89

$56.35

Employer Cost

$250.20

$518.56

$338.98

$577.74

State of AZ HSA contribution- Per Pay Period

Employee – $27.70

Employee + Adult – $55.38

Employee + Child – $55.38

Family – $55.38

Dental – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$14.30

$30.33

$23.34

$48.26

Employer Cost

$2.29

$4.58

$6.32

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$1.64

$3.29

$3.08

$5.46

Employer Cost

$2.29

$4.58

$6.32

Vision – Per Pay Period

Avesis

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$1.75

$5.83

$5.75

$7.25

Supplemental Life

Monthly rate per $1,000 of coverage

0-24 $0.048
25-29 $0.060
30-34 $0.085
35-39 $0.097
40-44 $0.108
45-49 $0.157

50-54 $0.241
55-59 $0.363
60-64 $0.544
65-69 $0.724
70 + $1.151

Coverage reduced 40% for employees 70+

Monthly rate per $1,000 of coverage

0-24 $0.060
25-29 $0.060
30-34 $0.068
35-39 $0.075
40-44 $0.121
45-49 $0.158

50-54 $0.249
55-59 $0.355
60-64 $0.626
65-69 $0.626
70+ $0.981

Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.

Step 1: Calculation the # of $1,000 coverage

Coverage Amount/$1000 – $50,000/1,000 = 50

Step 2: Lookup the Hartford rate for age 47

$0.157

Step 3: Calculated the monthly premium.

# of $1,000 of coverage x rate – 50 X $0.157 = $7.85

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($7.85 X 12) / 26) = $3.62

Dependent Life

Employee Premiums – Per Pay Period

$5,000 2.24
$10,000 $4.49

Employee Premiums – Per Pay Period

$2,000 $0.43
$4,000 $.87
$6,000 $1.30
$10,000 $2.17

$12,000 $2.60
$15,000 $3.25
$50,000 $10.85

Short Term Disability

$.77 per $100 of coverage

$.316 per $100 of coverage

Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.

Step 1: Calculation the # of $100 coverage

Coverage Amount/$100 – $40,000/100 = 40

Step 2: Lookup the Unum rate

$0.77

Step 3: Calculated the monthly premium.

# of $100 of coverage X rate – 40 X $.77 = $30.80

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($30.80 X 12) / 26) = $14.21

Medical – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$101.61

$276.55

$197.53

$410.43

Employer Cost

$557.26

$1,107.06

$790.75

$1,368.49

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$9.42

$36.09

$28.32

$80.11

Employer Cost

$572.02

$1,185.37

$844.03

$1,490.42

NAU HSA contribution- Per Pay Period

Employee – $31.54

Employee + Adult – $63.08

Employee + Child – $63.08

Family – $63.08

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$44.50

$121.54

$97.42

$206.74

Employer Cost

$629.88

$1,297.16

$843.64

$1,468.78

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$17.26

$51.78

$44.02

$95.80

Employer Cost

$425.34

$881.55

$576.26

$982.16

State of AZ HSA contribution- Per Pay Period

Employee – $27.70

Employee + Adult – $55.38

Employee + Child – $55.38

Family – $55.38

Dental – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$24.31

$51.56

$39.67

$82.04

Employer Cost

$3.89

$7.78

$10.75

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$2.79

$5.59

$5.23

$9.29

Employer Cost

$3.89

$7.78

$10.75

Vision – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$2.98

$9.91

$9.78

$12.33

Supplemental Life

Monthly rate per $1,000 of coverage

0-24 $0.082
25-29 $0.102
30-34 $0.145
35-39 $0.165
40-44 $0.184
45-49 $0.267

50-54 $0.410
55-59 $0.617
60-64 $0.925
65-69 $1.231
70 + $1.957

Coverage reduced 40% for employees 70+

Monthly rate per $1,000 of coverage

0-24 $0.102
25-29 $0.102
30-34 $0.116
35-39 $0.128
40-44 $0.206
45-49 $0.269

50-54 $0.423
55-59 $0.604
60-64 $1.064
65-69 $1.064
70+ $1.668

Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.

Step 1: Calculation the # of $1,000 coverage

Coverage Amount/$1000 – $50,000/1,000 = 50

Step 2: Lookup the Hartford rate for age 47

$0.267

Step 3: Calculated the monthly premium.

# of $1,000 of coverage x rate – 50 X $0.267 = $13.35

Step 4: Calculate the per pay premium.

Monthly Premium X 12 months / 26 pay periods – (($13.35 X 12) / 26) = $6.16

Dependent Life

Employee Premium – Per Pay Period

$5,000 2.24
$10,000 $4.49

Employee Premium – Per Pay Period

$2,000 $0.74
$4,000 $1.48
$6,000 $2.21
$10,000 $3.69

$12,000 $4.43
$15,000 $5.53
$50,000 $18.45

Short Term Disability

$.77 per $100 of coverage

$.316 per $100 of coverage

Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.

Step 1: Calculation the # of $100 coverage

Coverage Amount/$100 – $40,000/100 = 40

Step 2: Lookup the Unum rate

$0.77

Step 3: Calculated the monthly premium.

# of $100 of coverage X rate – 40 X $.77 = $30.80

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($30.80 X 12) / 26) = $14.21

2024

Medical – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$55.34

$150.63

$107.59

$223.55

Employer Cost

$312.86

$622.60

$444.72

$770.60

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$5.54

$21.23

$16.66

$47.12

Employer Cost

$304.95

$630.90

$449.12

$791.35

NAU HSA contribution- Per Pay Period

Employee – $31.54

Employee + Adult – $63.08

Employee + Child – $63.08

Family – $63.08

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$26.17

$71.49

$57.30

$121.61

Employer Cost

$370.52

$763.03

$496.26

$863.99

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$10.15

$30.46

$25.89

$56.35

Employer Cost

$250.20

$518.56

$338.98

$577.74

State of AZ HSA contribution- Per Pay Period

Employee – $27.70

Employee + Adult – $55.38

Employee + Child – $55.38

Family – $55.38

Dental – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$14.30

$30.33

$23.34

$48.26

Employer Cost

$2.29

$4.58

$6.32

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$1.64

$3.29

$3.08

$5.46

Employer Cost

$2.29

$4.58

$6.32

Vision – Per Pay Period

Avesis

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$1.72

$5.70

$5.65

$7.11

Supplemental Life

Monthly rate per $1,000 of coverage

0-24 $0.048
25-29 $0.060
30-34 $0.085
35-39 $0.097
40-44 $0.108
45-49 $0.157

50-54 $0.241
55-59 $0.363
60-64 $0.544
65-69 $0.724
70 + $1.151

Coverage reduced 40% for employees 70+

Monthly rate per $1,000 of coverage

0-24 $0.060
25-29 $0.060
30-34 $0.068
35-39 $0.075
40-44 $0.121
45-49 $0.158

50-54 $0.249
55-59 $0.355
60-64 $0.626
65-69 $0.626
70+ $0.981

Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.

Step 1: Calculation the # of $1,000 coverage

Coverage Amount/$1000 – $50,000/1,000 = 50

Step 2: Lookup the Hartford rate for age 47

$0.157

Step 3: Calculated the monthly premium.

# of $1,000 of coverage x rate – 50 X $0.157 = $7.85

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($7.85 X 12) / 26) = $3.62

Dependent Life

Employee Premiums – Per Pay Period

$5,000 2.24
$10,000 $4.49

Employee Premiums – Per Pay Period

$2,000 $0.43
$4,000 $.87
$6,000 $1.30
$10,000 $2.17

$12,000 $2.60
$15,000 $3.25
$50,000 $10.85

Short Term Disability

$.77 per $100 of coverage

$.316 per $100 of coverage

Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.

Step 1: Calculation the # of $100 coverage

Coverage Amount/$100 – $40,000/100 = 40

Step 2: Lookup the Unum rate

$0.77

Step 3: Calculated the monthly premium.

# of $100 of coverage X rate – 40 X $.77 = $30.80

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($30.80 X 12) / 26) = $14.21

Medical – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$94.08

$256.07

$182.90

$380.03

Employer Cost

$531.87

$1,058.42

$756.02

$1,310.02

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$9.42

$36.09

$28.32

$80.11

Employer Cost

$518.41

$1,072.55

$763.51

$1,345.30

NAU HSA contribution- Per Pay Period

Employee – $31.54

Employee + Adult – $63.08

Employee + Child – $63.08

Family – $63.08

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$44.50

$121.54

$97.42

$206.74

Employer Cost

$551.43

$1,135.58

$738.57

$1,285.83

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$17.26

$51.78

$44.02

$95.80

Employer Cost

$372.36

$771.75

$504.48

$859.81

State of AZ HSA contribution- Per Pay Period

Employee – $27.70

Employee + Adult – $55.38

Employee + Child – $55.38

Family – $55.38

Dental – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$24.31

$51.56

$39.67

$82.04

Employer Cost

$3.89

$7.78

$10.75

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$2.79

$5.58

$5.23

$9.29

Employer Cost

$3.89

$7.78

$10.75

Vision – Per Pay Period

Coverage Level

Employee

Employee + Adult

Employee + Child

Family

Employee Cost

$2.92

$9.70

$9.60

$12.08

Supplemental Life

Monthly rate per $1,000 of coverage

0-24 $0.082
25-29 $0.102
30-34 $0.145
35-39 $0.165
40-44 $0.184
45-49 $0.267

50-54 $0.410
55-59 $0.617
60-64 $0.925
65-69 $1.231
70 + $1.957

Coverage reduced 40% for employees 70+

Monthly rate per $1,000 of coverage

0-24 $0.102
25-29 $0.102
30-34 $0.116
35-39 $0.128
40-44 $0.206
45-49 $0.269

50-54 $0.423
55-59 $0.604
60-64 $1.064
65-69 $1.064
70+ $1.668

Premium calculation example for an employee age 47, electing NAU – Hartford, with a coverage amount of $50,000.

Step 1: Calculation the # of $1,000 coverage

Coverage Amount/$1000 – $50,000/1,000 = 50

Step 2: Lookup the Hartford rate for age 47

$0.267

Step 3: Calculated the monthly premium.

# of $1,000 of coverage x rate – 50 X $0.267 = $13.35

Step 4: Calculate the per pay premium.

Monthly Premium X 12 months / 26 pay periods – (($13.35 X 12) / 26) = $6.16

Dependent Life

Employee Premium – Per Pay Period

$5,000 2.24
$10,000 $4.49

Employee Premium – Per Pay Period

$2,000 $0.74
$4,000 $1.48
$6,000 $2.21
$10,000 $3.69

$12,000 $4.43
$15,000 $5.53
$50,000 $18.45

Short Term Disability

$.77 per $100 of coverage

$.316 per $100 of coverage

Premium calculation example for an employee enrolled in Unum STD with a covered monthly salary of $4,000.

Step 1: Calculation the # of $100 coverage

Coverage Amount/$100 – $40,000/100 = 40

Step 2: Lookup the Unum rate

$0.77

Step 3: Calculated the monthly premium.

# of $100 of coverage X rate – 40 X $.77 = $30.80

Step 4: Calculate the per pay period premium.

Monthly Premium X 12 months / 26 pay periods – (($30.80 X 12) / 26) = $14.21

Voluntary Benefit Premiums

2025

Regular Premiums (12/23/24 – 12/21/25) Accordion Closed

Medical – Per Pay Period

NAU PPO Tab Open

NAU HDHP Tab Closed

State of AZ TCP Tab Closed

State of AZ HDHP Tab Closed

NAU PPO Accordion Open

NAU HDHP Accordion Closed

State of AZ TCP Accordion Closed

State of AZ HDHP Accordion Closed

Dental – Per Pay Period

State of AZ Delta Dental Tab Open

State of AZ UHC Solstice Tab Closed

State of AZ Delta Dental Accordion Open

State of AZ UHC Solstice Accordion Closed

Vision – Per Pay Period

Supplemental Life

NAU – The Hartford Tab Open

State of AZ – Securian Tab Closed

Sample Premium Calculation Tab Closed

NAU – The Hartford Accordion Open

State of AZ – Securian Accordion Closed

Sample Premium Calculation Accordion Closed

Dependent Life

NAU – The Hartford Tab Open

State of AZ – Securian Tab Closed

NAU – The Hartford Accordion Open

State of AZ – Securian Accordion Closed

Short Term Disability

NAU – Unum Tab Open

State of AZ – MetLife Tab Closed

Sample Premium Calculation Tab Closed

NAU – Unum Accordion Open

State of AZ – MetLife Accordion Closed

Sample Premium Calculation Accordion Closed

Pre-Payment Premiums (12/23/24 – 05/10/25) Accordion Closed

Medical – Per Pay Period

NAU PPO Tab Open

NAU HDHP Tab Closed

State of AZ TCP Tab Closed

State of AZ HDHP Tab Closed

NAU PPO Accordion Open

NAU HDHP Accordion Closed

State of AZ TCP Accordion Closed

State of AZ HDHP Accordion Closed

Dental – Per Pay Period

State of AZ Delta Dental Tab Open

State of AZ UHC Solstice Tab Closed

State of AZ Delta Dental Accordion Open

State of AZ UHC Solstice Accordion Closed

Vision – Per Pay Period

Supplemental Life

NAU – The Hartford Tab Open

State of AZ – Securian Tab Closed

Sample Premium Calculation Tab Closed

NAU – The Hartford Accordion Open

State of AZ – Securian Accordion Closed

Sample Premium Calculation Accordion Closed

Dependent Life

NAU – The Hartford Tab Open

State of AZ – Securian Tab Closed

NAU – The Hartford Accordion Open

State of AZ – Securian Accordion Closed

Short Term Disability

NAU – Unum Tab Open

State of AZ – MetLife Tab Closed

Sample Premium Calculation Tab Closed

NAU – Unum Accordion Open

State of AZ – MetLife Accordion Closed

Sample Premium Calculation Accordion Closed

2024

Regular Premiums (12/25/23 – 12/22/24) Accordion Closed

Medical – Per Pay Period

NAU PPO Tab Open

NAU HDHP Tab Closed

State of AZ TCP Tab Closed

State of AZ HDHP Tab Closed

NAU PPO Accordion Open