Health Benefits

We offer full- and part-time employees working 20 or more hours per week a comprehensive, flexible benefits program that allows them to choose a plan that best meets their needs and the needs of their family.

• Health benefits for Medical, Dental and Vision care offered
• Eligibility begins on the first day of the month following one full month of continuous employment.
• You can elect to cover yourself alone or yourself and your eligible family members.
• You pay your share of the cost through regular payroll deductions on a before-tax basis except for domestic partner coverage which is purchased with after-tax dollars.
• Medical coverage options include both Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), and Consumer Directed Health Plans (CDHP).
• Through our PPO plans, you are free to use any physician or facility you choose. However, if you use out-of-network providers, reimbursement levels are lower - and the deductibles and coinsurance payments apply.

Medical Insurance

Health care coverage is an important part of your benefits package at our hospital and there are four medical plans to choose from.  In considering any of the plans, please consider your health care needs and the health care needs of your family very carefully before making your elections. The plans are outlined below:

• Blue Cross Prudent Buyer PPO plan is a preferred provider organization (PPO).  Under this plan, you have the freedom to choose, each time you need care, between in-network providers who offer their services at discounted rates or out-of-network providers.  You may see any licensed in-network or out-of-network provider without a referral from a primary care physician; however, it costs you less if you see an in-network provider. The annual deductible for this plan is $250 per individual and $750 per family.
  
• Consumer Directed Health Plan 1150 or 2500 is a high deductible preferred provider organization (PPO) designed to give participants PPO flexibility along with financial incentives and tools to make better, more cost-conscious health care decisions.  The individual deductible is a choice of either $1,150 or $2,500 per person ($2,300 or $5,000 Family Deductible).  These plans have lower premiums each pay period to take into consideration the higher deductible.  With these options there is a companion Health Savings Account (HSA) that that allows you to save money in a tax-free account to cover eligible out-of-pocket expenses.
  
• Blue Cross CaliforniaCare HMO plan is a health maintenance organization (HMO) that offers you economical medical coverage.  An HMO is a medical plan that requires you to receive all of your care from a network of participating physicians, hospitals, and other health care providers.  With this plan, you must choose a primary medical group (PMG) and a primary care physician (PCP) for yourself and each dependent that you are covering.   You can choose your medical group or your PCP from the Blue Cross Provider Directory when you enroll.  Your PCP will coordinate all of your medical care and make any necessary referrals to specialists and hospitals.
  
• Kaiser HMO provides services through Kaiser facilities.   Kaiser providers (e.g., physicians, hospitals, etc.) work for Kaiser at Kaiser Permanente facilities around the country. You have access to full-service medical care if you use Kaiser physicians, hospitals and other health care providers. Otherwise, you will receive no benefits, except in a life threatening/emergency situation.
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Dental Insurance

Dental coverage is also an important part of the benefits plan we offer for you.  In considering any one of these two plans, please consider your needs and the needs of your family very carefully before making your dental election. The two plans are outlined below:

• MetLife (DPO) Plan is a “PPO-style” dental plan. A DPO plan allows you to choose care from in-network and out-of-network providers. When you obtain preventive care, from in-network providers the plan pays 100%, MetLife will pay a percentage for basic and major services based on a negotiated rate that has been agreed upon by MetLife dentists. When you obtain any care from out-of network providers, the plan pays a smaller percentage. The percentage of the cost Metlife pays non-participating dentist is based on   what is considered reasonable and customary (R&C) for the area.. This means that when you seek care with an out of network dentist your out of pocket expenses will be higher.
  
• DeltaCare Dental PMI (DMO) Plan is an “HMO-style” dental plan. Dental care is provided through a network of private practice dental offices. When you enroll in the DeltaCare Plan, you must select a dental office for you and the dependents that you are covering.  Your dental office will coordinate all of your dental services. For your dental care to be covered, you must obtain dental services through this office, or obtain pre-authorization from DeltaCare PMI for services elsewhere. For most basic and preventive services, you pay no co-payment. For other covered services, your co-payment ranges from $5 to $1,800, depending on the procedure. 

Vision Insurance

We offer vision coverage through Vision Service Plan (VSP), the nation's largest provider of eye-care coverage.  Under your vision plan, you can choose between network and out-of-network providers - but you will receive a higher level of benefits, and enjoy greater convenience, if you go to a provider in the VSP network. VSP contracts with thousands of doctors across the country, so you should have no problem finding a VSP network provider near you.  There are no claim forms to fill out when you go to a VSP network provider. If you decide to go to an out-of-network vision care provider, you will have to pay your entire bill up front, then file a claim with VSP.