Don't see an answer to your question?
Contact Human Resources firstname.lastname@example.org or call (510) 747-4900.
- If I don't plan to make any changes to my medical or other benefit plans, do I need to do anything?
No you do not, unless you currently waive medical coverage or want to enroll in an FSA for 2022. If you currently waive medical coverage you are required to fill out the Waiver form yearly and recertify that you have other medical coverage, download the form by clicking here(PDF, 122KB). You must also re-enroll in the Flexible Spending Account yearly, each year you must fill out the enrollment form and certify the amount you wish to withhold, download the form by clicking here(PDF, 163KB).
- I am covered by my spouse's or parents' medical plan, can I waive coverage and get money back?
Yes, you may waive coverage by completing the Health Insurance Waiver Form, download by clicking here(PDF, 122KB), and providing proof of the other coverage. This can be done by your provider (spouse’s or parent’s employer) filling out the Health Insurance Waiver Form or providing a letter certifying your enrollment. If you are unable to obtain either of these documents please contact Jessica Romeo, email@example.com, for alternatives.
- If I waive coverage now and suddenly lose coverage after open enrollment ends, will I be able to enroll in medical coverage through the City later?
Yes, loss of coverage is a qualifying event, contact Human Resources as soon as you learn you will lose coverage and they can assist with your enrollment. Remember you will have 60 days to enroll in benefits from the date you lose coverage, but if you contact Human Resources early you may be able to avoid a gap in coverage.
- How do I figure out what I am paying for medical coverage now and what I will be paying in the 2022 plan year?
You can figure out your current out of pocket premium contribution a couple different ways. You can look at your pay stubs for a line titled “Health-TM.” If you pay a portion of your premium you will see this line on the first two paychecks of the month, as your monthly contribution is split over two pay periods per month. Add those amounts together and that is what you are paying monthly. You can also compare your current premium, find the 2021 premiums by clicking here, and the City’s current contribution, download the 2021 contribution rates by clicking here(PDF, 448KB). Any amount over the contribution is paid by you monthly.
To determine if you will be contributing to your 2022 monthly premium, compare the 2022 health premium rate for your medical plan, click here to find the 2022 rates, to the 2022 City contribution, download the 2022 contribution rates by clicking here(PDF, 447KB). Any amount over the City contribution will be split over two pay periods and deducted from your paycheck.
If you need help, contact Human Resources, firstname.lastname@example.org.
- I am thinking of changing my health plan in 2022, where do I even start?
There are a few resources that you will want to look at to assist you in picking a new plan; download the 2022 Health Benefit Summary(PDF, 22MB) and 2022 Premium Rate Sheet for your Region by clicking here.
- Determine which plans are available in your County. Check pages 6-7 of the 2022 Health Benefit Summary to determine which plans are available in your County. For example, the plans available in Alameda County are: Anthem HMO Select, Anthem HMO Traditional, Blue Shield Access+, Health Net SmartCare, Kaiser, PERS Gold, and PERS Choice.
- Determine which plan(s) cover your physician/group/hospital. If you have a specific physician, hospital, or group that you would like to keep, this may limit the number of plans available to you. Use the websites and numbers on page 14 of the 2022 Health Benefit Summary to check which groups, physicians and hospitals are in each plans network. If you need assistance contact Human Resources at email@example.com.
- Compare the plans available to you. If your physician/hospital/group are covered by multiple plans use pages 16 – 23 of the 2022 Health Benefit Summary to compare the coverage by each plan. HMOs are listed in blue and PPOs are listed in orange.
- Compare the monthly premium for plans available to you. Now that you know what plans are available to you and the structure of each plan, check the premiums on the 2022 Rate sheet for the region in which your county is listed, for example Alameda County is in Region 1. You can compare the premium to the City contribution to determine how much, if anything, your selected plan will cost you monthly; your monthly cost is the premium cost minus the City Contribution.
- Fill-out and return the Health Enrollment Form (HBD-12). Once you have selected a plan fill out and return the HBD-12 with any necessary documentation. Download the HBD-12 by clicking here(PDF, 371KB). If you have questions on how to fill out the enrollment form or are ready to return it, email firstname.lastname@example.org.
- I picked a new medical plan, now what? How do I enroll in the new plan for 2022?
If you are choosing a new health plan for 2022, fill out the HBD-12, download the form by clicking here(PDF, 371KB), and return the completed form with any necessary supporting documents to email@example.com.
- What supporting documents do I need to provide if I am enrolling my dependents?
If you choose to enroll your dependents in medical, dental, or vision please provide the following documents with your enrollment forms:
- Spouse: Marriage Certificate
- Domestic Partner: State of California Domestic Partnership Registration
- Child(ren): Birth or Adoption Certificate(s)
- Step Child(ren): Marriage Certificate/Domestic Partner Registration & Birth or Adoption Certificate(s)
- I am making changes to my benefits, when will the changes be effective?
Changes made to your medical, dental, vision and FSA accounts during Open Enrollment 2022 will be effective January 1, 2022.