Summary of Health Insurance Benefits

The Cypress School District health & welfare benefits package includes medical, dental, vision, and life insurance coverage for full-time employees and medical and dental coverage for qualified dependents. Dependent vision coverage may be added for an additional cost.

Optional voluntary benefits include an IRS Section 125 Flexible Spending Account, life insurance, and cancer insurance. Premiums for these voluntary plans are paid 100% by the employee.

HEALTH & WELFARE BENEFITS PACKAGE OPTIONS

All medical, dental, and vision plans are administered by the California Schools Voluntary Employees Benefits Association (VEBA).

Medical Plan Options:
-Kaiser Permanente HMO
-United Healthcare Full Network HMO

-United Healthcare Alliance HMO

-United Healthcare Harmony HMO

-United Healthcare Journey/Alliance HMO w/HRA Account

-United Healthcare Journey/Harmony HMO w/HRA Account
-UMR PPO
Chiropractic and acupuncture coverage is included with all health plans through My Optum Health

Dental Plan Options:
-Delta Dental PPO
-Delta Dental HMO

Vision Plan:
-Vision Service Plan (VSP)

District-Paid Life Insurance: All active full-time employees eligible for the benefits package, including those who waive health insurance coverage, are provided with district-paid life insurance with accidental death and dismemberment coverage in the amount of $30,000. Eligible part-time employees who elect to participate in the benefits package will also receive life insurance coverage. The policy is with Mutual of Omaha Life Insurance Company and is administered by Self-Insured Schools of California (SISC).

Optional Voluntary Plans: Employees pay all premiums for the following plans:
-Flexible Spending Account – Administered by P&A Group
-Voluntary Life Insurance – Administered by Lincoln Financial Group
-Voluntary Cancer Insurance – Administered by Allstate Benefits

COST

Full-Time Employee Costs: The district pays a set percentage of the cost of each plan (excluding optional plans), and the balance is paid by the employee.

Part-Time Employee Costs: For part-time employees wishing to participate in an insurance plan, the district pays one-half of the amount paid for full-time employees.

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%

ELIGIBILITY

Full-Time Employees: All full-time employees are eligible to participate in the health & welfare benefits program. 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 six hours per day.

Part-Time Employees: Employees who work at least 50 percent of a full-time assignment may participate in the full benefits package, which includes medical, dental, vision, and life insurance. The district will contribute half the percentage paid for full-time employee premiums. Employees who work less than a 50 percent assignment are not eligible to participate in the district’s health & welfare benefits program.

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