Health Insurance
For 2025, benefited employees will have a choice between one POS HSA plan, and two HMO HSA plans. Click HERE to view the 2025 summary of the Priority Health medical benefits plans available to employees.
Contact Priority Health, Customer Service Department, if you have questions about your benefits or coverage.
Premiums
2025 Full-Time Bi-Weekly Premiums
- HSA 1650: 12.57% employee contribution
- HSA 3000: 1.80% employee contribution
- HSA 4000: 0.00% employee contribution
There are 26 pay periods in 2025.
2025
| Medical/Prescription Priority Health |
Enrollee Only | Two Person |
Family |
| HSA 1650 Plan ($1,650/$3,300) | $39.67 | $89.25 | $111.08 |
| HSA 3000 Plan ($3,000/$6,000) HMO | $4.21 | $9.47 | $11.79 |
| HSA 4000 Plan ($4,000/$8,000) HMO | $0 | $0 | $0 |
What is an HMO?
Plan Types Explained (HMO, POS)Scenarios
Full-time employees, using the grid below, estimate you or your family’s total medical spend to compare total cost between plans. The green column is the lowest price. (This does not include part-time cost.)
Click HERE to watch a video about the health insurance plan options available for 2025.
Individual Plan Summaries
2025 SBC POS HSA 1650 2025 Schedule of Benefits HSA 1650(No Out-of-Network benefit)2025 SBC HMO HSA 3000 2025 Schedule of Benefits HSA 3000(No Out-of-Network benefit)2025 SBC HMO HSA 4000 2025 Schedule of Benefits HSA 4000 (Grandfathered Plan)2025 SBC POS High 2025 Schedule of Benefits High PlanSide by Side Plan Comparison
2025 Side-by-Side Plan ComparisonNon-Compliance Rates
2025 Biweekly DisincentivesPart-Time Rates
2025
2025 POS HSA 1650 Part-Time Rates 2025 HMO HSA 3000 Part-Time Rates 2025 HMO HSA 4000 Part-Time RatesOpt Out – Bi-Weekly Payment
If you elect to opt out of the Ottawa County Medical, Dental and Vision insurance, you will receive an annual amount of
$2,400, which will be paid out each pay period. This pro-rated amount equals $92.31 per pay period (pro-rated for
part-time employees dependent on full-time equivalent).
Priority Health BenefitHub
As a Priority Health member, you can enjoy discounts, rewards and other perks on thousands of the brands you love with BenefitHub.
Click here for more information
Forms
Information
- Plan Document Personal Choices Cafeteria Plan
- Preventive Health Care Guidelines
- Mercantile E-Statement Enrollment Instructions
- HSA Allowable Expenditures
- Priority Health Healthcare Blue Book and Virtual Visits
- Mercantile HSA Online Enrollment Instructions
- Global Emergency Services
- HSA Information
- Spectrum Health Now – 24/7 Virtual Care
- Mercantile HSA Fee Disclosure
- Virtual Visits Information
- Chronic Conditions Rider & Prescriptions
- TruHearing Discount
- Active&Fit Direct – Discounted Gym Memberships
- Managing Diabetes – FAQs
- PriorityMOM for Expectant Mothers
- Care Management Brochure
- VUE – Where to Access Care
Legal Notices
- Premium Assistance Under Medicaid & the Children’s Health Insurance Program (CHIP)
- Women’s Health and Cancer Rights
- Newborns’ and Mothers’ Act Disclosure
- Priority Health Non-Discrimination Notice
- COBRA Fact Sheet
- Patient Protections
- Notice of Privacy Practices
- Special Enrollment Notice
- Surprise Billing Model Notice
- 2026 Annual Notices
Dental Insurance 2025
Ottawa County’s Dental Insurance Provider for 2024 and 2025 is Delta Dental of Michigan.
Dental Premiums: Full-Time Bi-Weekly Rates
2025
| Dental Delta Dental of Michigan | Enrollee Only | Two Person | Employee & Family |
|---|---|---|---|
| Basic | $1.31 | $2.55 | $4.09 |
| Enhanced | $6.20 | $12.30 | $25.72 |
Vision Insurance 2025
Ottawa County’s Vision Insurance Provider for 2024 and 2025 is EyeMed.
- EyeMed Vision Basic Plan
- EyeMed Vision Enhanced Plan
- EyeMed Vision Out of Network Claim Form
- Hearing Care Discounts
2025 Vision Premiums: Full-Time Bi-Weekly Rates
| EyeMed Vision Care | Enrollee Only | Two Person | Employee & Family |
|---|---|---|---|
| Basic | $0.20 | $0.37 | $0.55 |
| Enhanced | $1.73 | $3.28 | $4.83 |
Free glasses when you shop at Target Optical. Click here to learn more.
Need a new pair of shades? Check out this discount program.
Buying online isn’t just for clothes and gadgets anymore – it’s for eyewear, too. EyeMed is now offering Glasses.com and ContactsDirect as in-network providers, so members may go online to buy glasses and contacts anytime, from anywhere, and use their vision benefit. View this flyer for more details.
- 2022 Special Offers
- Contacts Direct
- Enhanced Provider Search
- Eye Site on Wellness
- EyeMed App Special Offers
- EyeMed Certificate of Coverage
- EyeMed Claim Submission Directions
- EyeMed Members App
- EyeMed Members App Information
- EyeMed Mobile App Flyer
- Glasses.com
- Know Before You Go
- Member Tools
- Member Web Flyer
- Mobile Chat
- Online Options
- Retail Chains – Insight Network
Life Insurance Benefits
Ottawa County provides life insurance to all benefited employees, at no cost to the employee. Please view the documents below for specifics for each employee group.
Update the beneficiaries on your group life insurance policy (MetLife): MetLife Enrollment/Change Form
Additional Dependent Life Insurance
Additional dependent life insurance may be elected during initial insurance enrollment or annually, during open enrollment.
For purposes of dependent life insurance, Child is defined as: Your natural child, adopted child (including a child from the date of placement with the adopting parents until the legal adoption) or stepchild and who, in each case, is at least 15 days old, under age 26, unmarried and supported by you. The term does not include any person who:
- is on active duty in the military of any country or international authority; however, active duty for this purpose does not include weekend or summer training for the reserve forces of the United States, including the National Guard; or
- is insured under the Group Policy as an employee
Available options:
- Option 1: $10,000 spouse/$5,000 for $0.87 per pay period
- Option 2: $15,000 spouse/$7,500 children for $1.31 per pay period
- Option 3: $20,000 spouse/$10,000 children for $1.73 per pay period
MetLife Supplemental Benefit
MetLife also provides employees with the option to purchase additional employee and dependent term life insurance, at cost to the employee. This is in addition to dependent life insurance elected during initial insurance enrollment or during open enrollment. Term Life insurance can provide you and your family with financial security in the event you or a covered person passes away. Term Life Insurance is provided at an inexpensive rate while offering a range of benefit amounts to fit you and your families needs. This term life insurance is in addition to your current life insurance and your elected dependent life insurance through MetLife. Additional life insurance is available for:
- Employees, up to $100,000
- Spouses, up to $25,000
- Children, up to $10,000
Please note: This policy is offered to all newly hired eligible employees on an initial GUARANTEE ISSUE basis and no health questions are required. If no election for coverage is made during your initial eligibility, future enrollment will require a medical questionnaire and you may be denied coverage. Changes during the plan year are subject to a qualifying life event. This supplemental benefit is not administered by Ottawa County. Any agreements made with MetLife (regarding additional term life insurance) as a result of this information is solely between the employee and MetLife, and is at cost to the employee.
- View the Term Life Insurance Rates
- MetLife Supplemental Insurance Enrollment Form
- MetLife Supplemental Overview Booklet
When electing this supplemental Term Life Insurance, these additional benefits are available to you:
- Will Preparation Services
- Estate Resolution Services
- Estate Planning Handout
- Travel Assistance
- Funeral Planning Assistance
To access the will preparation service, call Hyatt Legal at 800-821-6400, and let the representative know that you are not a Hyatt Legal member, but will preparation is a benefit with your supplemental life insurance through MetLife. Hyatt will take your information and give you a case number and a list of local attorneys. Provide your case number to the attorney you choose.
For general questions, please contact Erin Rotman at 616-738-4805 or erotman@miottawa.org. All enrollment and cancellation forms for MetLife should be sent to Human Resources.
For specific questions or to file a claim, please contact Lisa Mattern, at Gallagher Voluntary Benefits, at 210-348-4184 or lisa_mattern@ajg.com.