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Loudon County panel recommends UnitedHealthcare plan as employees and commissioners raise cost and coverage concerns
Summary
At a May 19, 2025 Loudon County Commission workshop, the Salary and Benefits Committee recommended switching to a UnitedHealthcare plan; commissioners, county employees and the assessor raised questions about out‑of‑pocket limits, relative cost increases and procedural issues with the committee vote.
At the Loudon County Commission workshop on May 19, 2025, the Salary and Benefits Committee recommended adopting UnitedHealthcare’s Assurance Choice plan for county employee health coverage, prompting questions from commissioners and county employees about monthly costs, maximum out‑of‑pocket exposure and the committee’s process.
The recommendation presented to commissioners was that the county adopt UnitedHealthcare (UHC) Surest/Assurance Choice Option 1. "The salary benefits committee has voted to recommend the UHC UnitedHealthcare Assurance Choice plan," a Salary and Benefits Committee representative told the commission. Staff displayed a total annual premium for the recommended UHC product of $3,969,860.16.
Why it matters: the choice will change how much the county pays and how much employees contribute, and commissioners said they need clearer details before voting. County staff gave two UHC options: Option 1 had no deductibles and capped out‑of‑pocket at $4,000 per individual and $8,000 per family and was shown as roughly a 6% increase over current costs; Option 2 had lower out‑of‑pocket maximums (about $1,500…
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