Benefits

Benefits Overview 

Review the Benefits Guide for new hires to learn more about Prince George’s County benefits. 

Enrollment

Enrollment as a new hire and during the annual open enrollment period can be made through Employee Self Service (ESS). You can access ESS on any computer with an internet connection at https://portal.sap.mypgc.us. Qualifying changes outside of open enrollment and a new hire event must be completed by submitting an Enrollment/Change Form to the Benefit Administration Division.

New Employees must enroll in the Prince George’s County Government (County) health benefits plans within thirty (30 days) calendar days of your hire date. If you enroll, your coverage will become effective the first (1st) day of the month following your hire date. If you do not enroll in the County’s health benefits plans within the first 30 days of hire you will have to wait until the next open enrollment to enroll, unless you experience a family status change also referred to as a qualifying life event. The deductions for the medical, dental, prescription and vision plans are taken on a pre-tax basis. The remainder of the plans long-term disability, extra life insurance and voluntary benefit plans (accident, enhanced critical illness, whole life, short-term disability, supplemental dental and legal plans) are deducted on a post-tax basis.

Qualifying Life Events 

Qualifying Life Events (QLE): Changes must be made within thirty (30) days of the QLE. Coverage will begin on the first of the month following the qualified life event, unless the change is due to a birth, legal guardian dependents, adoption, or placement for adoption of a child, in which case coverage is effective on the date of birth, adoption, or placement for adoption. QLEs include:

  • Marriage, divorce, or legal separation
  • Death of the employee’s spouse or dependent
  • Birth, adoption or legal guardianship of a child
  • Change in eligibility status of a dependent of the employee, including attainment of age limit of eligibility
  • Change in dependent’s job that results in addition or loss of coverage
  • Status change of an employee (i.e., part-time to full-time, full-time to part-time, beginning leave of absence or returning from such leave)
  • Relocation into or out of network area for employee, spouse and dependent;
  • An employee, spouse, or dependent becomes enrolled under Medicare or Medicaid. 

Dependent Eligibility

If you want to add dependent(s) to your health benefit plans, it is highly encouraged that you bring the required documentation to add your dependents to the New Employee Orientation. Your dependents will be removed from your health benefit plans if you fail to provide the required documentation within 30 days of your hire date.

You are required to provide documentation within thirty (30) days of your date of hire, qualifying life event, or open enrollment to verify coverage eligibility for the dependent you have enrolled in coverage. Failure to comply will result in a cancellation of health care coverage for that dependent. Dependents eligible for coverage include:

1. Your lawful spouse, as defined by the Federal Government;

2. Children and stepchildren under the age of 26;

The term child includes any of the following, until the child reaches the limiting age:

  • A natural child;
  • A step child;
  • A legally adopted child or a child legally placed for adoption;
  • A child under your legal guardianship

Children who are physically or mentally incapable of self-support as determined by medical certification continue on your County coverage beyond the normal age limit if the disability continues and the child remains unmarried. The child must already be covered under the plan. You may be asked to provide certification of the child's disability every two to three years. Documentation must be on file prior to the child reaching the limiting age.

Required Documentation

   
Spouse (includes legal same-sex spouse) State issued Marriage Certificate and Social Security Card 
Dependent Child (includes stepchildren and same-sex spouse) Birth Certificate and Social Security Number (if adding stepchildren or dependents of a same-sex spouse, your spouse must be listed as a parent. A marriage certificate is also required)
Dependent Child - Adopted Adoption Document and Social Security Number
Dependent Child - Disabled Disabled Certification Document and Social Security Number

Medical Plans

Prince George’s County Government Health Benefits Program (PGCHBP)

Eligible employees have the following health plan choices:

•Cigna HMO, PPO

•Kaiser Permanente HMO

Your health insurance premium cost is shared with the County, which contributes up to 75% toward the total cost (HMO – 75% and PPO – 70%). All health insurance premium deductions are made on a pre-tax basis.


kaiser-logo-inlineCigna-logo-2

Kaiser

Cigna HMO

Cigna PPO

Summary of Benefits and Coverage

Cigna Open Access Plus In-Network HMOCigna Open Access Plus PPO


Prescription

Express-Scripts-logo-500x250

Express Scripts, Inc. (ESI) is the provider for all of Prince George's County medical plans.

Home Delivery Form

Download Express Scripts mobile app and never be without your ID card!

2019 Summary of Coverage


Vision

vision-service-plan-vsp-vector-logo-small

Vision Service Provider (VSP) administers the County's vision plan through a basic and buy-up program. The plan provides eye exams, frames, spectacle lenses, contact lenses, etc. through a national network of providers. An overview of each plan is listed below.

Vision Service Plan Base Plan
Vision Service Plan Buy-Up Plan

Dental

1_Heart_Aetna_logo_sm_rgb_violet

The County offers employees two types of dental coverage: Dental Maintenance Provider option (DMO) or a Preferred Provider Organization option (PPO).

Aetna DMO Plan
Aetna PPO Plan


You can better manage you benefits with the free mobile app Aetna Mobile


Flexible Spending Accounts

CYC logo

A Flexible Spending Account (FSA) is an IRS tax-favored program offered by employers that allow their employees to pay for eligible out-of-pocket healthcare and dependent care expenses with pre-tax dollars. Prince George’s County Government offers a Healthcare spending account and a Dependent care spending account. ConnectYourCare is the FSA administrator for the County. The Healthcare spending account can be used to pay for qualified medical expenses that are not covered by your County health insurance. Your entire elected annual contribution is available on the first day of the plan year, January 1. As of January 1, 2019, the IRS approved a $2,700 contribution limit on medical reimbursement accounts and $5,000 for dependent coverage.

2019 FSA Brochure

CYC Claim Form

Life Insurance

Aetna is the County's Basic, Supplemental, and Accidental Death and Dismemberment life insurance carrier. All permanent full-time and part-time employees are provided basic life insurance (BLI) in the amount of twice their annual salary rounded to the nearest thousand. The maximum amount of basic life insurance ranges from $100,000 to $200,000 and the allowable maximum is outlined in the employee's salary schedule or collective bargaining agreement. Active and Retired judges and assessors receive a flat $100,000 life insurance amount.
Your (BLI) is equal to two times your annual salary (does not include overtime) rounded to the nearest $1,000 multiple.  The amount of insurance will change automatically upon the effective date of a change in your salary. 

Basic Life Insurance
Accidental Death and Dismemberment
Supplemental Life Insurance (Public Safety Employees Only)
Extra Life Insurance


Rates
2019 Active Employee Rates

Life Insurance Plans

Basic Life Insurance
Accidental Death and Dismemberment
Supplemental Life Insurance (Public Safety Employees Only)
Extra Life Insurance
Executive Life

Long Term Disability
Aetna Long Term Disability
Executive Long Term Disability

Employee Assistance Program

Voluntary Benefits
Individual Short Term Disability
Whole Life Insurance
Group Critical Illness Insurance Plans
Group Accident Insurance Plan
Legal Resources
Supplemental Dental