All premiums for health coverage are paid 100% by the college district. Subscribers are only responsible for deductibles and co-payments.
The Anthem Blue Cross medical plan is a PPO (preferred provider plan). There is a guaranteed payment to doctors who are Anthem providers (80% paid by Anthem, 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.
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:
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.
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 through Hartford
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.