Health & Income Security

Group Health Insurance


Currently, Front Royal offers three group health insurance programs to its employees. The programs are administered by Anthem Blue Cross/Blue Shield of Virginia and are obtained through the State Department of Human Resources doing business as "The Local Choice." Employer and employee contributions are determined by the Town Council and are subject to change. The employee contribution is deducted on a pre-tax basis unless the employee gives instruction to the contrary. The employer (ER) and the employee (EE) monthly contributions for fiscal year 2016 are as follows:

Key Advantage Expanded


Includes health, prescription drug, eye and dental
  • Employee only: Employee $32 + Employer $603 = $635
  • Employee plus 1: Employee $341 + Employer $834 = $1,175
  • Employee and family: Employee $497 + Employer $1,218 = $1,715

Key Advantage 250


  • Employee only: Employee $- + Employer $580 = $580
  • Employee plus 1: Employee $311 + Employer $762 = $1,073
  • Employee and family: Employee $454 + Employer $1,112 = $1,566

High Deductible


  • Employee only: Employee $- + Employer $419 = $419
  • Employee plus 1: Employee $225 + Employer $550 = $775
  • Employee and family: Employee $328 + Employer $803 = $1,131
(Costs cited above are based on Comprehensive dental coverage; however, the Town also provides an option to choose preventive dental coverage instead of comprehensive. The cost of each plan is slightly lower if preventive dental is chosen.)

Dental Services are administered by Delta Dental and include the following benefits, depending on the plan chosen, either Preventative Dental Option (diagnostic and preventive services only) or Comprehensive Dental Option, which includes:
  • Preventive Dental Care
  • Primary Dental Care
  • Major Dental Care
  • Orthodontic Services

Group Long Term Care Insurance


Provided by Genworth Financial (sponsored by VRS) has more information about this program and other benefits, and has information for enrolling. Employees may also telephone 866-859-6060 to request a free information kit or have an expert on this program answer questions. The Town of Front Royal allows 60 days from the date of hire to sign up for this benefit without have to prove insurability.

Short-Term Disability Insurance


Full-time employees may participate in the short-term disability insurance program at their option and cost. Participating employees will receive 60% of their base weekly earnings beginning on the first day of total disability for a non-job related injury or accident, and 60% of their base weekly earnings beginning on the eighth day of total disability for a non-job related illness. Benefit payments are made for up to 26 weeks. Monthly premiums are based on the employee's base annual salary.

Supplemental Accidental Death & Disability Insurance


Employees may participate in a supplemental accidental death and disability insurance program at their option and cost. Participating employees are offered various products with differing benefits. Monthly premiums are based on the product(s) selected.