OPEN ENROLLMENT 2022

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Welcome to Open Enrollment Land, a world of awesome benefits and resources. Travel down the path and stop along the way to explore different benefits and resources available to you. Stop in the Medical Meadow to change your health plan, explore waiving coverage or adding or deleting dependents. Row over to the Dental Delta to explore your dental benefits, add dependents and maximize your dental coverage. Stop to check out vision coverage at the Vision Vista and then hop on the FSA freeway to enroll in a medical or dependent care FSA. End your benefits adventure by checking in on your nest egg at Mt. Retirement. Open Enrollment Land is fun for all ages so start your journey today!

 

Open enrollment is here again, and much like last year, the majority of open enrollment will be virtual. Human Resources has again provided all the resources you would normally have available in person, here on this site. You can review benefit information including the Open Enrollment Benefit Matrix(PDF, 447KB), as well as download enrollment and change forms to submit via email to HR@alamedaca.gov. Review your benefits in the Benefit Guidebook(PDF, 3MB) and Virtual Benefits Fair which include information on your benefits as well as resources to support your physical, mental and financial wellbeing.

Open Enrollment is your opportunity to:

  • change your CalPERS health plan;
  • enroll in a CalPERS health plan if you have previously waived coverage;
  • waive health coverage if you have other coverage;
  • enroll (or re-enroll) in a flexible spending account (FSA);
  • enroll or cancel enrollment in the vision plan; review and add or delete dependents on your health, dental or vision plans; and
  • review and make changes to your beneficiaries.

Human Resources staff are here to lead you through Open Enrollment Land and answer your questions.

For assistance email hr@alamedaca.gov or call (510) 747-4900.

Submit completed forms to hr@alamedaca.gov.

Medical Coverage

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2022 Open Enrollment Benefit Matrix(PDF, 447KB)

Health Enrollment/Change Form (HBD-12)(PDF, 371KB)

Health Insurance Waiver Form(PDF, 122KB)

Visit myCalPERS.ca.gov for more resources.

Find information on how to register a Domestic Partnership HERE.

2022 CalPERS Health Premium Rates

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Note that premiums for the 2022 plan year have increased, any premium amount above the City contribution is deducted twice per month and deduction for the 2022 plan year will begin with pay date 1/7/2022. Employees who pay a portion of their premium will have their share of the premium deducted from their final paycheck at  time of separation.

If you have questions regarding whether your premium will be fully covered please reach out to Human Resources at hr@alamedaca.gov.

*Region 1 - Premiums(PDF, 98KB): Region 1 includes the Counties of Alameda, Apline, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, Eldorado, Glenn, Humboldt, Lake Lassen, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, {Placer, Plumas, Sacramento, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Toulumne, Yolo, and Yuba

Region 2 - Premiums(PDF, 96KB): Region 2 includes the Counties of Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura

Region 3 - Premiums(PDF, 86KB): Region 3 includes the Counties of Los Angeles, Riverside, and San Bernardino

*Note that that not all plans listed are available in every county. Check which plans are available in your county on page 8 of the CalPERS 2022 Health Benefit Summary(PDF, 22MB) below.

 

CalPERS Health Plan Resources

CalPERS 2022 Health Benefit Summary(PDF, 22MB)

CalPERS Health Program Guide(PDF, 608KB)

Guide to Choosing A Health Plan(PDF, 226KB)

Health Plan Resources

Anthem Blue Cross HMO (Anthem Traditional & Anthem Select)  

 

Anthem Blue Cross PPO (PERS Gold & PERS Platinum)

  

Health Net SmartCare (HMO)

 

Kaiser Permanente (HMO)

 

Vision Coverage

Flexible Spending Account (Medical & Dependent Care)

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Your Medical FSA lets you set aside money from your paycheck on a pre-tax basis to use for eligible out-of-pocket expenses. You can spend your FSA contributions on the eligible general-purpose health expenses such as: copays and coinsurance from your health plans for you and your eligible dependents, over-the-counter medications including feminine products, diabetic supplies, braces, dental implants or other major dental services; and eyeglasses or contact lenses. Elected amount is available on the 1st day of the plan year (January 1st)

Your Dependent Care FSA lets you save money on day care expenses for children up to age 13 or a disabled spouse or dependent of any age who are incapable of self-care. Eligible expenses include: After-school Care or Extended Day Programs, Licensed babysitting and childcare providers, summer or sports camps (overnight or sleepaway not eligible), disabled dependent care expenses, elder care. Reimbursements cannot exceed the election amounts deposited into the account to date (money in, money out).

2022 FSA Enrollment Form(PDF, 163KB)

FSA Savings Calculator

FSA Guidebook(PDF, 5MB)

Check eligible expenses by clicking HERE.

Forms & Other Resources

FSA Claim Form(PDF, 107KB)

How to File A Claim

Transaction Dispute Form(PDF, 268KB)

Medical Necessity Form(PDF, 48KB)

FSA Plan Summary(PDF, 223KB) & Plan Document(PDF, 161KB)

Participant Services at (866) 451-3399 or customerservice@wexhealth.com 

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Retirement Planning (CalPERS & Deferred Comp)

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 CalPERS Resources

Visit mycalpers.ca.gov to login or create an account to: view open enrollment resources, view or change your current lump sum beneficiaries, view your current balance and total service credit, get a retirement estimate or file an application for retirement.  

Miscellaneous Retirement Benefits(PDF, 817KB)

Safety Retirement Benefits(PDF, 893KB)

Planning for Retirement(PDF, 595KB)

Retirement Estimate Calculator on MyCalPERS(PDF, 477KB)

Service Retirement Information and Application(PDF, 490KB)

Employment After Retirement Booklet(PDF, 199KB)

CalPERS Medicare Enrollment Guide(PDF, 1019KB)

Visit myCalPERS.ca.gov for more information and resources related to your pension plan.

 

457 Deferred Compensation Information & Resources

The City offers employees three voluntary Deferred Compensation. The plans are administered by ICMA, Nationwide, and VOYA (CalPERS) in accordance with Section 457 of the Internal Revenue Code.

The Deferred Compensation Plan is a supplemental retirement plan option in addition to your CalPERS pension plan. Participants of the program select a plan and a designated monthly amount to deduct from their paychecks. While you may stop your deductions at any time, you may not have access to the funds until you have separated from City employment.

Enrollment or changing forms are available at the Human Resources Department or by clicking on the links below. Participation is handled through payroll deductions on a pre-tax basis. A voluntary pre-tax contribution will allow a participant to reduce their taxable income for the year and all associated earnings are not subject to tax until withdrawn.

* All enrollment and change forms must be submitted to Finance Payroll Division, for proper processing.

The IRS sets contribution limits. The current limits are listed below. Stay up-to-date on limits and other plan changes by visiting the Human Resources Deferred Comp page HERE. year are listed below. Should you have questions about the limits please contact your plan representative or the Human Resources office.

The IRS sets contribution limits. The limits for 2021 plan year are listed below, this information will be updated for 2022 when the contribution limits for 2022 have been released. Should you have questions about the limits please contact your plan representative or the Human Resources office.

 2021 457(b) Contribution Limits  
2021 Elective
Contribution Limit
$19,500

This dollar amount is the maximum contribution that can be made to an eligible 457(b) plan by a participant. Note:  contributions cannot exceed compensation nor the contribution limit.

 2021
"Age 50"
Catch-Up
Contribution Limit

$6,000  This dollar amount applies to employees who are at least 50 years old or who will be 50 by the end of the calendar year and are eligible to contribute to a 457(b) plan.  This is in addition to the Elective Contribution Limit listed above.  The maximum contributed that can be made in the 2021 plan year using this prevision is $26,000.
2021
"Pre-
Retirement"
Catch-Up
Contribution 
Limit
$19,500

This allows 457(b) plan participants to make additional contributions during the three years prior to, but no including the year in which they will reach normal retirement and is based upon the total amount of contributions that could have been made in prior years (with the same employer), but were not.  This amount is in addition to the Elective Contribution Limit but cannot be combined with the "Age 50" catch up limit.  The maximum contribution that can be made using this provision during the 2021 plan year is $39,000.

 

 

Plan Contact Information and Forms

ICMA
www.icmarc.org

Nationwide
www.nrsforu.com

VOYA (CalPERS)
www.calpers.voya.com

Randi Carmen
(866) 620-6068
Kerry Avila
(925) 705-4669
Nancy Garrity
(888) 713-8244 ext 6

RCarmen@icmarc.org

 
avilak2@nationwide.com


Nancy.Garrity@voya.com

For ICMA-RC
Appointment
Click HERE

For Nationwide
Appointments
Click HERE

For VOYA
Appointments
Click HERE
ICMA-RC FORMS
Enrollment Kit
Nationwide FORMS
Enrollment Kit

VOYA (CalPERS) FORMS
Enrollment Kit

Deferred Comp Change Form(PDF, 177KB)

All enrollment and change forms must be submitted to the Finance Payroll Division, for proper processing.

Health and Wellness

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COVID-19 Vaccine

For information on the safety and effectiveness of the available COVID-19 vaccines visit:

US Food & Drug Administration

Centers for Disease Control and Prevention

California Department of Public Health

Alameda County Health Department

For assistance in finding a vaccine location contact Human Resources at

hr@alamedaca.gov or call (510) 747-4900.

 

Seasonal Flu Vaccine 

Influenza, more commonly referred to as the flu, is a contagious respiratory illness caused by influenza viruses. Mild cases may result in fever and muscle aches, severe cases may end up in the hospital. The best way to protect yourself this flu season, which can begin as early as October, is to get a flu vaccine. A Seasonal Flu shot is the best way to prevent catching the flu.  You can get a flu shot by contacting your primary care provider or at many clinics by appointment; some locations offering flu shots in Alameda include: 

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Find more information on the seasonal flu and flu shots by visiting these sites: Key Facts About Seasonal Flu VaccineWho Needs a Flu Vaccine and WhenBenefits of Flu VaccinationAbout the Flu; Key Facts about Influenza (Flu); Protect Yourself this Flu Season; CDC Frequently Asked Flu Questions 

 

Mental Health Resources

Frequently Asked Questions (FAQ)

Don't see an answer to your question?

Contact Human Resources hr@alamedaca.gov 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, jromeo@alamedaca.gov, 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, hr@alamedaca.gov.

  • 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

  1. 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. 
  2. 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 hr@alamedaca.gov.
  3. 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. 
  4. 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. 
  5. 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 hr@alamedaca.gov
  • 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 hr@alamedaca.gov. 

  • 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.