Benefits Showcase

July 1, 2026 - June 30, 2027

Employee Benefits

Employee benefits are more valuable than ever and are a significant part of your total compensation package. The resources and videos here are designed to provide you the information you need so you can identify which offerings are the best for you and your family.

Take some time to review the information provided on this website. The videos provide a general overview of the benefits provided, while the documents go into more detail.

Open Enrollment Benefits Webinar

This is your 2026-2027 Open Enrollment video that highlights the plans available to you as an employee of Cedar County.

Eligibility

As a new hire, your benefits will become effective the first of the month following 30 days after your date of hire.

You may also enroll your eligible dependents for coverage. Eligible dependents would be:

Your legal spouse
Children under the age of 26

* Please refer to the carrier certificates for specific eligibility criteria.

Qualifying Events

Changing Benefits after Open Enrollment

During the year, you cannot make changes to your benefits unless you have a Qualifying Life Event.

If you do not make changes to your benefits within 30 days of the Qualifying Life Event, you will have to wait until the next annual Open Enrollment period to make changes (unless you experience another Qualifying Life Event).

Compliance Resources

2026 - 2027 Notices and Disclosures

Marketplace (Exchange) Notice

Brought to you by:

Medical Benefits

Cedar County is committed to offering medical benefits that provide coverage for both employees and their covered dependents.

Coverage includes comprehensive medical care and prescription drug coverage. The plans also offer many resources and tools to help you maintain a healthy lifestyle.

Customer Service: (800) 524-9242

www.wellmark.com

	Level 1	Level 2	Level 3
CORE MEDICAL PLAN - a higher deductible is purchased from Wellmark
Network	Iowa POS (Point-of-Service) Designated PCP Only	Iowa POS (Point-of-Service) formerly known as Blue Choice	Out-of-Network Outside the state of Iowa
Deductible (Individual / Family)	$5,750 / $11,500		$7,000 / $14,000
Out-of-Pocket Maximum (Individual / Family)	$8,000 / $16,000		$14,000 / $28,000
CEDAR COUNTY MEDICAL - buydown plan with Midwest Group Benefits
Network	Iowa POS (Point-of-Service) Designated PCP Only	Iowa POS (Point-of-Service) formerly known as Blue Choice	Out-of-Network Outside the state of Iowa
Deductible (Individual / Family)	$500 / $1,000	$500 / $1,000	$2,500 / $5,000
Out-of-Pocket Maximum (Individual / Family)	$2,000 / $4,000	$2,000 / $4,000	$9,000 / $18,000
Coinsurance	20%	20%	40%
Office Visits to Primary Care	$15 copayment	$20 copayment	40% coinsurance after deductible
Office Visits to Specialists	N / A	$40 copayment	40% coinsurance after deductible
Preventive Services	Covered at 100%	Covered at 100%	No Coverage
Emergency Services If admitted, see Facility Services Facility services Physician services	$250 copayment
Facility Services Inpatient hospital Outpatient hospital Nursing facility (90 days/cal. year)	N/A	20% coinsurance after deductible	40% coinsurance after deductible
X-Ray and Laboratory Services Outpatient (non routine/preventive)	N/A	20% coinsurance after deductible	40% coinsurance after deductible
X-Ray and Laboratory Services Independent Lab (non routine / preventive)	N/A	$40 copayment	40% coinsurance after deductible
Chiropractic Care	N/A	$20 copayment	40% coinsurance after deductible
Mental Health & Substance Abuse Office Visits (unlimited visits) Inpatient & Outpatient Care	N/A	$20 copayment 20% coinsurance after deductible	40% coinsurance after deductible
Physician Services Inpatient hospital Outpatient hospital	N/A	20% coinsurance after deductible	40% coinsurance after deductible
Home Health Care	N/A	20% coinsurance after deductible	40% coinsurance after deductible
Maternity Care Inpatient hospital Outpatient hospital	N/A	20% coinsurance after deductible	40% coinsurance after deductible
Durable Medical Equipment	N/A	20% coinsurance after deductible	40% coinsurance after deductible
PRESCRIPTION DRUG COVERAGE Wellmark Drug List: Blue Rx Complete
Deductible (Individual / Family)	N/A	$100 / $200	$100 / $200
Retail Copay Tier 1 Tier 2 Tier 3 Tier 4	N/A	$8 Copay $35 Copay $50 Copay $50 Copay	$8 Copay $35 Copay $50 Copay $50 Copay
Specialty (CVS Only) Generic/Preferred Non-Preferred Specialty	N/A	$250 Copay $500 Copay	Not Covered

Wellmark Summary of Benefits & Coverage (Core Plan)

Medical Enrollment Form

Summary of Benefits & Coverage ($500 PSF)

Primary Care Provider (PCP) Selection Form

Primary Care Physician Designation

Patients who have a strong relationship with their primary care provider (PCP) often benefit from better disease control and improvements in overall health.

Members enrolled in an POS plan will need to designate a Primary Care Physician. This can be done several ways:

Completing the PCP designation form
On myWellmark.com (instructions)
Calling Wellmark customer service (1-800-524-9242)

Prescription Coverage

Your prescription drug benefit is part of your Medical plan and is based on a tiered drug system. Cost is determined by the tier to which the Prescription Drug List (PDL) Management Committee has assigned the Prescription Drug Product. All Prescription Drug Products on the Prescription Drug List are assigned a tier. Find individualized information on your benefit coverage, determine tier status, check the status of claims and search for network pharmacies by logging on to myWellmark.com.

Save Money with Generics

Generic drugs are made with the same active ingredients and produce the same effects in the body as their brand-name equivalents. That’s because they’re held to the same federal standards for safety and performance as the brand names. Because they are not branded, generics can sell for 30 percent to 80 percent less than their brand-name equivalents.

Rx Mail Order Program

Save time and money by filling maintenance drugs through the mail order program. The Mail Order Program benefits members who are on long-term medications for chronic conditions such as diabetes, high cholesterol, high blood pressure, depression or asthma. By utilizing the Mail Order Program, you can receive a 90-day supply of medication for the equivalent of two retail copayments. That’s a savings of one copayment for every 90-day supply.

To set up mail service, log in to myWellmark.com, select Find a Pharmacy and register for Caremark.com. Or let CVS Caremark walk you through registration by calling 866-611-5961.

GoodRx Mobile App

We encourage you to download and use the GoodRx Mobile App to help you save on your prescription drug costs. Prices for prescription drugs vary widely between pharmacies. The cost of a prescription may differ by more than $100 between two pharmacies across the street from each other.

GoodRx doesn’t sell the medications, they will tell you where you can get the best deal on them. GoodRx will show you prices, coupons, discounts, and savings tips for your prescription at pharmacies near you.

The name of your prescription drug benefit Prescription Drug List is: Blue Rx Complete.

Doctor on Demand

We have partnered with Doctor on Demand to provide you with 24/7 access to virtual care. Doctor on Demand can diagnose, treat, and prescribe medication when necessary for a variety of issues. It is convenient access to healthcare, when and where you need it.

myWellmark

Create an Account at myWellmark.com.

24 / 7 access to your health plan.

Download digital ID cards
Designate your Primary Care Physician
Track claims and expenses
Easily find coverage details
Find in-network doctors, hospitals & facilities
Get electronic documents

Want to talk to a representative? Call (800) 524-9242

Brought to you by:

Effective, July 1, 2026, Cedar County's Partial Self-Funded Plan (PSF) will be administered by Midwest Group Benefits. If you have questions regarding your PSF plan, please contact:

Midwest Group Benefits

www.midwestbenefits.com

(800) 344-3766

We are very pleased with the benefits plan and pricing that we are able to offer you for the upcoming plan year. Costs are kept low because Cedar County uses a partially self-funded (PSF) plan from your health insurance carrier.

What does that mean?

It means that your employer pays for a higher deductible plan from your insurance carrier (“Core Plan”) but offers you a lower deductible plan (“PSF Plan”). This new plan is lower in cost to you than other plans available through the insurance carrier. To utilize a partially self-funded plan, we have contracted with a Third-Party Administrator (TPA).

When you visit a healthcare provider, your claims will be filed with your insurance carrier. Your insurance carrier will process your claim under the “Core Plan” and send you an Explanation of Benefits (EOB) reflecting the higher deductible plan. This is not a bill and does not reflect your “PSF” deductible.

Your insurance carrier sends the same EOB to the TPA, who will review this and process payments directly to you based on your “PSF Plan” deductible. The TPA sends you an adjusted EOB that reflects your true deductible.

Employees are responsible for any deductibles, copays, or coinsurance on the “PSF Plan.” Cedar County is responsible for amounts over the “PSF Plan” deductible.

Do not make a payment to your provider based on any EOB. These are not bills, they are simply explanations.

You will receive a bill from your healthcare provider based upon the adjusted EOB from your TPA.

	CORE PLAN	PSF PLAN
In-Network Deductible
Individual	$5,750	$500
Family	$11,500	$1,000
In-Network Out-of-Pocket Max
Individual	$8,000	$2,000
Family	$16,000	$4,000

Any claim with a "member responsibility" amount follows the PSF process below:

Flexible Spending Account

Cedar County is providing the FSA's benefit to help employees budget and save for qualified medical expenses incurred over the course of the plan year.

Healthcare Flexible Spending Accounts

A Flexible Spending Account (FSA) is a plan that allows you to set aside pre-tax income from your paycheck for qualified expenses. An FSA covers eligible out-of-pocket health care expenses such as medical copays, coinsurance, prescription drugs, dental and vision costs. It's available to you and any eligible dependents including spouse, children and any other person who is a qualified IRS dependent.

Key Aspects of an FSA:

Annual Max Contribution Limit: $3,400
The entire election amount is available on the first day of the plan year
The plan year runs January 1 - December 31
Any funds in excess of the $660 carry-over provision will be forfeited at the end of the plan year

FSA Qualified Medical Expenses

Dependent Care Flexible Spending Accounts

A Dependent Care Flexible Spending Account (DCFSA) is a plan that allows you to set aside pre-tax income from your paycheck for qualified expenses. A DCFSA covers eligible child or daycare expenses, such as daycare, preschool, or summer day camp, enabling you to work. Educational expenses are not eligible.

Key Aspects of an DCFSA:

Annual Max Contribution Limit: $7,500 ($3,750 if married filing separately)
The plan year runs January 1st - December 31st
Any unused funds will be forfeited.
Unlike the FSA, DCFSA funds are not front loaded. You can only use funds that have already been deducted from your paycheck.

Brought to you by:

Dental Benefits

As part of the comprehensive benefits package, we offer employees the option to select dental coverage for themselves and their dependents.

Delta Dental PPO plus Premier

The Dental Insurance Plan offers you flexibility to see the provider of your choice each time you seek dental care. The plan covers a scheduled portion of your dental expenses based on the procedures being performed. Coverage is available regardless of which dentist you visit, however, out of pocket costs will be less when visiting an In-Network provider. To locate a list of network providers, visit the carrier’s website (details on back cover). Your dental plan features a dual network – Delta Dental PPO Plus Premier. Both provider panels provide network discounts, but PPO providers provide services with the greatest member savings.

	Delta Dental PPO	Delta Dental Premier / Non-Participating *
Annual Benefit Maximum	$1,500	$1,500
Deductible (Individual / Family)	$15 / $45	$25 / $75
Preventive Coinsurance	0%	0%
Basic Coinsurance	10%	20%
Major Coinsurance	20%	20%
Orthodontia Lifetime Maximum	$750	$750
Orthodontia Coinsurance	50%	50%

Dental Benefit Summary

Member Connection: Your benefit information at your fingertips

Make the most of your dental benefits with Delta Dental of Iowa's online Member Connection.

Print an ID card
View claim details and status
Find a provider
Find eligibility and benefit information
Access an explanation of benefits

Brought to you by:

Preview link with tracking disabled - do not distribute live

Benefits Showcase

Employee Benefits

Open Enrollment Benefits Webinar

Qualifying Events

Compliance Resources

Medical Benefits

CORE MEDICAL PLAN - a higher deductible is purchased from Wellmark

CEDAR COUNTY MEDICAL - buydown plan with Midwest Group Benefits

Primary Care Physician Designation

Prescription Coverage

GoodRx Mobile App

Doctor on Demand

myWellmark

Flexible Spending Account

Healthcare Flexible Spending Accounts

Dependent Care Flexible Spending Accounts

Dental Benefits

Delta Dental PPO plus Premier

Member Connection: Your benefit information at your fingertips