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Differences among plans by district

The Journal surveyed the state’s 36 school districts for 2006-2007 data on teacher health insurance. The figures show vast differences in the amounts teachers contribute toward their health premiums — from nothing to more than $2,000 a year — and the ways they pay for it — flat fee, percentage of salary or percentage of the cost of the health plan. The survey also found disparities in retiree benefit costs and the amount offered in “buybacks” to teachers who decline health insurance.

School district	Active teachers in plan	Teacher Contribution rate	What teachers pay	Retirees receiving coverage	Retirees’ total cost to district
NO CONTRIBUTION
East Providence	489	None	$0	155	$850,000
New Shoreham	27	None	$0	None	$0
Pawtucket	760	None	$0	299	$3.3 million
FLAT FEE
Foster/Glocester	104	$250/$150*	$250/$150	39	$21,418
Johnston	270	$780	$780	198	$1.2 million
North Kingstown	297	$875/$354	$875/$354	None	$0
Smithfield	167	$600/$234	$600/$234	82	$560,000
Tiverton	161	$1,100/$675	$1,100/$675	75	$459,048
Warwick	1,006	$11 per week	$572	336	$1.57 million
PERCENT OF COVERAGE PREMIUM
Barrington	224	15%*	$1,966/$765	43	$360,890
Bristol/Warren	287	10%	$1,405/$540	250	$1.95 million
Burrillville	146	5%	$707/$289	None	$0
Central Falls	257	5%	$691/$266	20	$149,000
Chariho	288	15-16%*	$2,255/$849	88	$98,250
Coventry	380	15%	$1,878/$748	230	$242,000
Cranston	971	5%	$763/$298	358	$2.1 million
Cumberland	350	10%	$1,309/$506	84	$217,000
Exeter/West Greenwich	198	6.0%	$881/$344	18	$103,364
Jamestown	44	5%*	$697	21	$284,782
Lincoln	282	10.5%	$1,361/$551	95	$497,582
Middletown	188	10%	$1,325/$506	55	$231,295
Newport	201	7%	$983/$407	216	$2.27 million
North Providence	272	5%	$764/$299	32	$154,096
North Smithfield	147	10%	$1,297/$505	24	109,000
Portsmouth	223	10%	$1,246/$482	88	$310,941
Providence	2,015	10.7%	$1,375/$513	856	$3.7 million
Scituate	150	7.5%*	$869/$327	None	$0
West Warwick	283	5%	$748/$302	215	$1.5 million
Westerly	285	10%	$1,561/$615	57	$545,000
Woonsocket	459	15%*	$2,075/$843	218	$1.44 million
* Six districts exempt teachers hired before a certain date or allow veteran teachers to pay less. Barrington: 217 teachers hired before May 31, 2006, pay 15%; 7 teachers hired after pay 20%. Chariho: 144 teachers hired before July 1, 1996, pay nothing; 144 teachers hired after pay 20% minus $520 for a family plan (16.25%), and 20% minus $260 for an individual plan (15.31%). Foster/Glocester: Teachers hired before July 1, 2000, pay a flat fee of $250 family/$150 individual; teachers hired after pay $700 family/$350 individual. Jamestown: 18 teachers hired before July 1, 1997, pay 5%; 26 teachers hired after pay 15%. Scituate: 76 teachers hired before Sept. 1, 1997, pay 7.5%; 74 teachers hired after pay 8.5%. Woonsocket: 215 teachers hired before November 1994, pay nothing; 244 teachers hired after pay 15%.
School district	Active teachers in plan	Teacher Contribution rate	Average teacher cost	Retirees receiving coverage	Retirees’ total cost to district
PERCENT OF SALARY AND LONGEVITY
East Greenwich	166	5%-10%	$1,360/$519	14	$129,500
Foster	27	1.5%	$900	4	$19,845
Glocester	50	1.5%	$948	14	$70,849
Little Compton	33	1.7%	$1,118/$822	5	$7,865
Narragansett	124	0.5%	$335	29	$218,357
South Kingstown	401	1%-6%	$756/$306	42	$454,195
NOTE: In districts where teacher contribution is based on a percentage of salary (Foster, Glocester, Little Compton, Narragansett) or on teacher longevity (East Greenwich, South Kingstown), The Journal estimated teacher cost based on the most common salary.