Medical Insurance Plans

Forms, Publications & Links

Kaiser

Permanente Plan Comparison & Rates 22-23

Kaiser Permanente Plan Comparison & Rate 22-23 Extra

Kaiser Medical Plan Application

Anthem

Anthem Comparison & Rates 22-23

Anthem Medical Plan Application

HSA Plans

Under Construction

Notices

Affordable Care Act Notice - Health Care Marketplace

Affordable Care Act - Uniform Glossary

Medicare - Creditable Coverage Notice

Medical Insurance: Medical Insurance is administered by Self Insured Schools of California (SISC). Medical insurance is mandatory for employees working at least: 0.9 FTE (certificated) or 36 hours per week, 12 months per year (classified). There are several plans on offer: for certificated there are four Kaiser plans and three Anthem plans; and for classified employees there are three Kaiser plans and three Anthem plans. In addition, the Anthem Two Tier Anchor Bronze plan is available to ALLemployees – even if not eligible for fringe benefits (in which case, the employee would pay the entire premium). This plan qualifies as ACA coverage.

Comparisons of the different plans are available to the right. Note that the cost listed is the gross rate the carrier charges each month - generally not what the employee pays out of pocket.

Cost of insurance premiums: The District provides a Fringe Benefit Allowance to eligible contracted employees as part of their compensation which is used to purchase approved benefits offered under the Health & Welfare plan. Premium costs for elected benefits that exceed the allowance will be paid by the employee through a payroll deduction. Traditionally, the fringe allowance is set to cover the cost of the Kaiser Traditional HMO + Delta Dental (single rates) for the full-time employee; there is no District contribution for dependents. "Full-time" is considered to be 1.0 FTE for certificated and 8 hours/day, 12 months per year for classified employees.

Payroll deduction calculations: Generally, to calculate any payroll deduction the fringe allowance is first allocated to the mandatory dental plan elected by the employee (including dependents - not mandatory - if enrolled); then the balance of the allowance is applied to the medical plan elected. Contact Carol Friesen in Payroll & Benefits if you are not full-time employee and/or are insuring dependents and need an estimate of your payroll deductions.