Rates Rates are effective as of January 1, 2024. Thechartbelowshowspossible coverage amountsand their monthly costs. Find your age bracket (as of the effective date of coverage) to see the cost for the coverage amount you choose. Spouse rates are based on the employee's age. SpouseCriticalIllness - Choice 1 Non-tobacco rates ! Age and cost- pay period(monthly) premium Coverage amounts