Cypress School District

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Health & Welfare Benefits » Summary of Benefits

Summary of 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 HMO
-United Healthcare 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.
 

 

 

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%

 
Part-Time Employee Costs: The district contributes one-half of the percentage rates shown above for part-time employees wishing to participate in the complete package.
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.
 
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 and welfare benefits package may not waive individual components of the package.
 
ENROLLMENT
 
Benefit Plan Year: The plan year runs from January through December, with open enrollment taking place in October each year.
 
New Employee Enrollment: Coverage for new employees and their dependents is effective on the first day of the month coinciding with or following commencement of active employment. Employees must enroll within 30 days of their start date.
 
Mid-Year Enrollment Due to a Qualifying Event: Employees may enroll themselves and their dependents outside the open enrollment period only in the case of a qualifying event. Valid qualifying events include marriage; entering into a domestic partnership; legal separation or divorce; birth, legal adoption, or acquiring legal custody of a child; and loss of other health insurance. Enrollment must take place within 30 days of the qualifying event, and supporting documentation must be provided (e.g., birth certificate, marriage certificate, income tax return, or court order).

COVERAGE WHILE ON LEAVE
 
Employees on Board-approved leaves of absence without pay may participate in the district’s health & welfare benefits program at their own expense.
 
TERMINATION OF BENEFITS
 
End of Employment: Coverage ceases at the end of the month following the last day of paid service.
 
Loss of Eligibility: Employees are required to notify the district within 30 days if a dependent ceases to be eligible for coverage, such as in the case of a divorce or a child no longer meeting the criteria for a dependent child. Failure to notify the district of such an event may result in the employee being billed for services or being dropped from coverage by the insurance company. COBRA rights arising from the qualifying event may also be forfeited.