Employee Benefits Compliance Update: February 2010 

HEALTH PLAN OPTION
HEALTH PLAN DESCRIPTION
All premiums for health coverage are paid 100% by the college district.
Subscribers are only responsible for deductibles and co-payments.

OPTION 1

BLUE SHIELD MEDICAL PLAN
The Blue Shield Medical Plan is a PPO (Preferred Provider Plan). There is a guaranteed payment to doctors who are Blue Shield providers (80% paid by Blue Shield, 20% paid by employee) with a $100 deductible per person/$200 per family per calendar year (January 1-December 31). Maximum out-of-pocket per calendar year is $350 per person/$700 per family, including deductibles.

OPTION 2

KAISER MEDICAL PLAN
The Kaiser Medical Plan is a HMO Plan with no deductibles. There is a $5 copayment per office visit and $5 copayment per prescription. Includes employee and eligible dependents. If single plan is selected, there are dollars remaining for TSA.

OPTION 3

WAIVER OF MEDICAL
If employee is covered by another medical plan, the district medical coverage may be waived, thus freeing up dollars for a TSA.

 

In addition to one of the options listed above, employees receive the following:

COVERAGE DESCRIPTION

Dental

BLUE SHIELD DENTAL PLAN
Regardless of whether the Blue Shield plan is selected as the chosen medical plan, Blue Shield provides every employee (and eligible dependents) a dental plan. This dental plan is also a PPO (Preferred Provider) which guarantees payment to dentists who are Blue Shield providers. The plan pays 100% for twice-a-year cleaning and x-ray services, and 90% for restorative work.

Vision

VSP PLAN (Vision Service Plan)
The Vision Service plan allows vision examinations every 12 months, lenses every 12 months, if needed, and frames every 24 months, if needed. The VSP is a preferred provider plan also, and these services are guaranteed if provider eye doctors are utilized.

Life Insurance

FORTIS LIFE INSURANCE
A $50,000 life insurance policy is included in the Citrus College benefit package. This policy is in effect as long as the employee is an active, benefit-eligible employee with the Citrus Community College District.