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Health
Coverage
Experience how the power of pooled membership gives your employees the quality benefits they need without breaking your budget.
There’s a reason why nearly 100 park districts, forest preserve and conservation districts, and special recreation associations choose PDRMA to cover more than 5,000 of their employees and dependents – we offer only high-quality health benefits using trusted networks. And thanks to our pooled membership, our coverage is budget friendly.
  • Multiple deductible options allow you to build a package to fit your budget.
  • Our PPO rate has increased an average of only 3.2% over the past five years.
Because every one of our members is different, we’ve built-in more flexibility than you may get from other Illinois risk pools so it’s easy for you to build a benefits package tailored to your agency’s unique needs.
PPO
Self-insured medical plans, including four PPO, 10 PPO with HRA and two HDHP with HSA plan options through Blue Cross and Blue Shield of Illinois®.
  • Seven deductible options.
  • Two prescription plan options.
  • Seven Health Reimbursement Account (HRA) options.​
  • Two high deductible plan (HDHP) with a Health Savings Account (HSA) options.
HMO
Medical plan through Blue Cross and Blue Shield of Illinois®.
  • Two prescription plan options.
Dental
Comprehensive dental coverage through Delta Dental®.
  • Choice of PPO or Premier network.
  • Preventive care covered at 100%.
  • Option to cover orthodontia.
Hearing
Coverage for hearing exams and hearing aids through EPIC Hearing HealthCare®.
  • $2,500 benefit per device per year every five years with no age limit.
  • Contracted savings of up to 80% on name-brand and private label devices.
Vision
Coverage administered by Davis Vision with choice of an allowance or managed care plan.
  • Three allowance plan options: $200, $400 and $600
  • Two managed plan options: Silver and Gold.
Life
Insurance coverage through Mutual of Omaha®.
  • Seven Basic coverage options (with AD&D).
  • Option to also offer Additional Life coverage.
EAP
(Employee Assistance Program) through Workplace Solutions® included with all medical plans.
You can even choose to offer up to three of the following plans so your employees can select the coverage that’s right for them and their family.
  • PPO medical plan.
  • PPO medical plan with a Health Reimbursement Account (HRA).
  • High Deductible Health Plan (HDHP) with a Health Savings Account (HSA).
  • HMO medical plan.
And then we add even more flexibility to our PPO coverage by offering a range of deductibles to choose from.
Deductible Options
PPO Medical Plan

$250
$500
$1,500
$2,000







Deductible Options
PPO Medical Plan with HRA

$1,250 with $1,000 HRA
$1,500 with $1,000 HRA
$1,500 with $1,250 HRA
$2,000 with $1,000 HRA
$2,000 with $1,250 HRA
$2,000 with $1,500 HRA
$2,500 with $2,000 HRA
$2,500 with $2,250 HRA
$3,500 with $3,000 HRA
$3,500 with $3,250 HRA

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Members may participate in one or both coverage programs but participating in both offers you the best value since you to save 5% on your Property/Casualty annual contribution!