Cypress School District

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Health & Welfare Benefits » Summary of Benefits

Summary of Benefits

BENEFITS PACKAGE
  • Medical

       Kaiser Permanente HMO (with chiropractic)
       United Healthcare HMO (with chiropractic)
       United Healthcare PPO (with chiropractic and acupuncture)

  • Dental

       Delta Dental (PPO)
       Delta Dental (DHMO)

  • Vision
  • Employee Life Insurance 
  • Flexible Spending Account (FSA) 
  • Voluntary Life & Cancer Insurance
 

ELIGIBILITY

Full-Time Employees:  All full-time employees are eligible to participate in the health and welfare benefits plan. Certificated employees are considered full-time if they work at least 75 percent of a full-time assignment. Classified employees are considered full-time if they work at least equivalent to six hours per day.

Part-Time Employees:  Part-time employees who work at least 50 percent of a full-time assignment may also participate in the full benefits plan, which includes medical, dental, vision, and life insurance. The District will contribute half of the percentage paid for full-time employees.  Employees who work less than a 50 percent assignment are not eligible to participate in the health and welfare benefits plan.

Dependents:  Eligible dependents include a spouse, registered domestic partner, and children (biological, adopted, or stepchildren) up to age 26, regardless of student status.

WAIVING BENEFITS 

Full-time employees may waive medical, dental, and vision coverage or waive medical and retain dental and/or vision coverage. Employees will still receive district-paid life insurance and have the option to enroll in the Flexible Spending Account and voluntary life and cancer insurance plans. Employees waiving medical insurance must provide proof of other medical insurance coverage. No financial incentive is offered to employees who waive health insurance benefits.

Part-time employees who elect to participate in the health insurance plan may not waive individual components of the plan. 

ENROLLMENT

Plan Year:  The plan year runs from January through December, with open enrollment taking place in October. 

New Employees:  Coverage for new employees is effective on the first day of the month coinciding with or following commencement of active employment or Board membership. Enrollment must take place within 30 days of hire. 

Mid-Year Enrollment Changes: Changes to coverage may be made outside the annual open enrollment period ONLY in the event of a valid “qualifying event," such as marriage, legal separation or divorce, birth of a child, or loss of other health insurance. Employees must enroll within 30 days of the qualifying event and provide appropriate documentation.

COVERAGE WHILE ON LEAVE

Employees on a Board-approved leave of absence without pay may continue to participate in the district's health and welfare package at their own expense. 

TERMINATION

Coverage ceases at the end of the month following the last day of paid service.

EMPLOYEE COST

The District pays a set percentage of the cost of each plan, and the balance is paid by the employee.  

COVERAGE EMPLOYEE KAISER PERMANENTE HMO UNITED HEALTHCARE HMO UNITED HEALTHCARE
PPO
Employee Only
Full-Time
Part-Time
100%
50%
100%
50%
85%
42.5%
Employee
+1 Dependent
Full-Time
Part-Time
88%
44%
58%
29%
50%
25%
Employee
+ Family
Full-Time
Part-Time
88%
44%
58%
29%
40%
20%

CURRENT RATES