Full-Time Employees

OPERS

All Montgomery County employees contribute to/participate in the Ohio Public Employees Retirement System (OPERS). Montgomery County employees do not contribute to Social Security; however, all employees do contribute to Medicare.

Retirement contribution rates are shared by employees and Montgomery County and are currently:

Employee 10%
Employer 14%

There are two retirement plans to choose from: the Traditional Pension Plan and the Member-Directed Plan. You must select your retirement plan within 180 days of beginning employment.

Deferred Compensation

Deferred Compensation is a voluntary supplemental retirement program which provides for the deferral of a specified amount of your salary for long-term investment. You may contribute to one or both Section 457 plans: Ohio County Employees Retirement Plan (formerly CCAO) and Ohio Public Employees Deferred Compensation Program. You choose how much to allocate to your deferred compensation account. This amount is deducted from each pay and is not subject to federal and state income tax. ROTH accounts are also available as investment options with each vendor.

Medical Benefits

Montgomery County’s medical coverage is administered by Anthem. Full-time employees have a choice of two high-deductible health plans – the Basic Plan or the Enhanced Plan. Both plans offer significantly lower payroll premium deductions. Because these plans have higher deductibles and out-of-pocket maximums, they work best in conjunction with a Health Savings Account (HSA). You may also choose to waive the coverage altogether provided you have other employer-sponsored coverage in place. When choosing your benefits, keep in mind that your portion of the medical coverage is automatically payroll-deducted on a bi-weekly basis using your pre-tax dollars, providing you with a significant tax break.

Waive/Select No Coverage

You have the option to waive Montgomery County’s medical coverage if you have medical benefits elsewhere that are not government-sponsored. This waiver money can be used to offset the cost of your other coverage. If you are covered under any Montgomery County medical plan either as an employee, a dependent, or a spouse, you are not eligible to receive the waiver.

Pharmacy Benefit

CarelonRx, a subsidiary of Anthem, administers the County’s prescription drug program. You are automatically enrolled in the pharmacy plan if you enroll in either the Basic Medical Plan or the Enhanced Medical Plan. Prescription drug costs are subject to deductible and coinsurance and count toward your out-of-pocket maximum.

As an additional benefit, CarelonRx offers a mail-order program. Through the program, you can order a 90-day supply of medications at a discounted rate. If you prefer to pick up your maintenance medications locally, you may do so at select local pharmacies.

Health Savings Account (HSA)

The HSA is available to employees enrolled in one of the County medical plans. Pre-tax contributions made via payroll deduction are matched by Montgomery County up to $1,000 each plan year. A debit card is provided for use with your HSA.

The HSA is a tax-advantaged way to save for qualified medical expenses including copays, prescriptions, dental care, contacts and eyeglasses, x-rays and much more. It’s “tax-advantaged” because your contributions reduce your taxable income, and the money isn’t taxed while it’s in the account – even if it earns interest or investment returns. Bonus: As long as you use your HSA funds for qualified medical expenses, you won’t owe taxes when you take money out of the account.

Flexible Spending Accounts (FSA)

Montgomery County provides full-time employees the opportunity to enroll in three IRS tax-favored flexible spending accounts: the Health Care Flexible Spending Account, the Dependent Care Flexible Spending Account, and the Limited Purpose Flexible Spending Account. (If you participate in a Health Savings Account, you are eligible to participate in the Dependent Care and Limited Purpose FSA only.)

Healthcare/Medical FSA

You can use the Healthcare FSA for expenses such as medical expenses, over-the-counter items, dental care and vision care.

Dependent Care FSA

You can use the Dependent Care Account to pay for expenses incurred in caring for your eligible dependents while you work.
Eligible dependents include children under age 13 who qualify as a dependent for federal tax purposes, your spouse or elderly parent or any other qualified dependent who is physically or mentally incapable of self-care.
Montgomery County will match contributed funds up to $2,500, with the total employee and County contributions not to exceed the annual federal limit.

Limited Purpose FSA

You may choose the Limited Purpose FSA if you contribute to a Health Savings Account as you cannot participate in the Health Care FSA.
Reimbursements are limited to eligible dental and vision expenses only.

Wellness Incentive Program

You may also be eligible for wellness incentive deposits into your HSA if you meet the incentive criteria. New hires/newly benefits-eligible employees and spouses can earn incentive dollars by completing wellness incentive activities such as:

Completing a biometric screening
Completing a wellness exam
Completing a short wellness course
Completing a course or wellness coaching activity assigned to you as a result of your biometric screening

Wellness Program

Montgomery County partners with the Montgomery County YMCA to provide a comprehensive wellness program for employees. This program provides tools to reduce health-related risks such as lowering high blood pressure, programs to help people stay healthy, and sound clinical assistance for those members living with a chronic illness. The YMCA also manages Montgomery County’s wellness incentive program (via the Medikeeper portal).

The Advocate Team

Montgomery County has partnered with McGohan Brabender to bring you The Advocate Team as your first resource for benefits-related issues in regard to your health insurance with the County. The Advocate Team works directly with the insurance company to advocate on your behalf in resolving any claims issues you may experience. They can research issues such as:

Explanation of Benefits (EOB)
Provider Billing Questions
Coordination of Benefits
Pre-authorization Help
Pharmacy/Prescription Questions

Dental Benefit

Montgomery County’s dental coverage is administered by Superior Dental Care. There are two plans: the Core Plan and the Enhanced Plan. Both plans offer a Preventive care benefit including two cleanings per year, oral exams, x-rays, and fluoride treatments for children paid at 100%. The Enhanced Plan also offers an orthodontia benefit of up to $1,000 per covered member (no age maximum).

Vision Benefit

Preventive Exam – ANTHEM

Full-time employees participating in either of Montgomery County’s medical plans are eligible for an annual routine vision exam covered at 100% as part of the preventive (wellness) exam benefit. You must go to an Anthem in-network optometrist or ophthalmologist in order to receive this benefit. The preventive vision exam benefit does not cover the contact lens fitting, contact lenses or materials.

EyeMed Vision Insurance Plan

If you elect the EyeMed Vision Care Insurance, it provides benefits for eye exams, contact lens fitting, lenses, frames, and/or contact lenses. The cost of the vision plan is deducted from your paycheck, pre-tax, on a bi-weekly basis.

Remember, even if you enroll in the EyeMed Vision Plan, you can still take advantage of the wellness benefit under the Montgomery County medical plans (via Anthem) and receive your eye exam with no co-pay as long as you use an in-network Anthem provider. You can then use the EyeMed Vision Plan to receive benefits for lenses, contacts, and frames.

EyeMed Vision Care Discount Plan

If you elect dental coverage, you will receive an EyeMed Vision Care discount card at no additional cost. You and your family members can save on eye care and eyewear at thousands of locations nationwide. This plan is not vision insurance.

Anthem LiveHealth Online

Anthem LiveHealth Online is a low-cost option that allows you to “see” a doctor 24/7/365 from your smartphone, computer or iPad. Eligible employees may visit with a doctor online to help with common conditions such as the flu, a cold, fever, and rashes and in some instances, prescribe medications. Doctors are available 24/7 with no appointments or long wait times. During an online video visit, doctors can assess your condition, give medical advice, and send prescriptions to the pharmacy of your choice, if needed. Anthem LiveHealth Online is a great option for care when your own doctor isn't available and more convenient than a trip to the urgent care.

You will have access to this benefit as part of your enrollment in a Montgomery County medical plan. There is a charge for this service that can be paid for using your HSA funds.

Life Insurance (Board paid)

Life insurance provides a benefit to your beneficiaries in the event of your death. The Board provides all full-time and part-time employees $60,000 in basic life and accidental death and dismemberment (AD&D) coverage at no cost to the employee.

Supplemental Life Insurance

Employees may purchase supplemental term life insurance at low group rates and pay for the premium through payroll deduction. Coverage may be purchased for a spouse and dependent children as long as the employee purchases coverage as well.

Supplemental Ancillary Coverage

Employees may purchase supplemental policies such as short-term disability, accident, critical illness, and hospital indemnity. Premiums are paid via payroll deduction.

Employee Assistance Program

Montgomery County partners with EmployeeCare through Premier Community Health to be our employee assistance plan (EAP) provider. Services are available to all Montgomery County employees and family members whether enrolled in a medical plan or not. Counselors at EmployeeCare are available 24 hours a day, 365 days a year.

EmployeeCare offers confidential counseling to you and your family members to help you deal with personal problems such as stress management, strengthening relationships, work/life balance, grief and loss, and more.

Workers' Compensation Benefits

Workers’ Compensation benefits are available to employees who sustain an illness or injury arising out of and in the course of their employment.

Sick Leave

All staff shall earn sick leave at the rate of 4.6 hours for each 80 hours of service. The credit is strictly proportionate to the hours in active pay status in each bi-weekly pay period.

Personal Leave

Up to three days of personal leave time is granted to full-time staff annually.

Vacation

The Board grants all full-time and part-time staff vacation leave with full pay based upon the number of years of service with Montgomery County DDS and/or other political subdivisions of the State of Ohio.

Service Milestones

Completion of 1 year: 1 personal day
Completion of 5 years: 2 personal days
Completion of 10 years: 3 personal days
Completion of 15 years: 4 personal days
Completion of 20+ years: 5 personal days