Medical Enrollment

Review the Plan & Cost information below. When your ready to enroll click the "Enroll Now" button to fill out the form.

You must elect to enroll or decline to enroll in Medical Coverage. If you Decline to enroll, you must complete the Health Waiver Form. 2024 Health Waiver Form.(PDF, 214KB)

Please Note: In order to enroll dependents in your health plan, CalPERS requires the following supporting documentation.

• Spouse/Domestic Partner
  1. A copy of your Marriage Certificate or Certificate of Registered Domestic Partnership.
  2. A copy of your spouse's Social Security Card.

• Dependent Child
  1. A copy of each dependent's Birth Certificate, Adoption Certificate or Affidavit of Parent Child Relationship.
  2. A copy of each dependent's Social Security Card.

2024 Available Plans & Costs

The chart below shows the City's contributions to Medical Coverage based on coverage level and bargaining unit.

The next charts will show your monthly costs after the City's health contribution. $0 means the plan is fully covered by the City. 

The out-of-pocket premiums shown above are deducted over two pay periods each month. During months with three pay periods there will no deduction on the third pay period. Deductions begin on the first pay date date after your enrollment becomes effective.

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

CalPERS Enrollment Resources

Note that that not all plans listed are available in every county. Check which plans are available in your county reviewing the Health Benefit Summary or visiting Calpers Health Plan Search by ZIP Code.

Health Plan Information

Below you'll find plan information for each of our CalPERS health plans. You can find additional resources and plan documents on our Employee Benefits Page.

• Anthem Blue Cross HMO (Anthem Traditional & Anthem Select)  
  Visit the Anthem HMO Traditional and Anthem HMO Select website here: www.anthem.com/ca/calpers/

•  Anthem Blue Cross PPO (PERS Gold & PERS Platinum) 
  Visit the PERS Gold & Platinum website here: www.anthem.com/ca/calpers/

•  BlueShield Access+ (HMO), Trio (HMO), & BlueShield EPO 
  Visit the BlueShield website here: https://myoptions.blueshieldca.com/calpers

• Health Net SmartCare (HMO) 
  Visit the HealthNet SmartCare website here: calpers.healthnetcalifornia.com/

•  Kaiser Permanente (HMO)
  Visit the Kaiser Permanente website here: my.kp.org/calpers

Dental Coverage is Fully Paid by The City!

Make sure you and your family are taking full advantage of your City paid Dental Coverage.  

• Check out what's covered Dental Benefits - Miscellaneous(PDF, 671KB) | (PDF, 696KB)Dental Benefits - Safety(PDF, 696KB)
• Visit www.deltadental.com to register your online account, find a dentist, and keep track of your used benefits.

Delta Dental Resources

See Your Vision Benefits Clearly!

Vision is an optional employee paid benefit. 

• See what's covered in the Vision Benefit Summary(PDF, 227KB)
• Visit www.vsp.com to register your online account, find a eye doctor, and keep track of your benefits. 

*Safety groups (APOA, APMA, IAFF, AFCA) pay half of the listed premium. 

*EUPA members may use any leftover funds from the City's Health Contribution to pay for Vision premiums. 

VSP Resources

Life Insurance

Designate a beneficiary for your City paid policy and add additional coverage for you, your spouse, and your children. 

• Use the enrollment form above to confirm your City paid policy, designate a beneficiary, and add optional supplemental coverage up to the Guaranteed Issue limit of $240,000.
  
  
• You can add up to $500,000 in supplemental coverage. To do so, complete the Evidence of Insurability (EOI) form below. Completed EOI forms should be submitted human resources. 
  
  
• Use the Supplemental Life Rate Sheet to calculate the costs of supplemental life coverage: Supplemental Life Rate Sheet(PDF, 212KB)

*It's your responsibility to keep HR updated with any beneficiary changes.

CalPERS Membership & Retirement Benefits

As a full time employee with the City of Alameda, you are now a member of the California Public Employees' Retirement System. CalPERS Provides a Defined Benefit (Pension) plan as well as health plans for active and retired members. Learn more about CalPERS membership and retirement benefits by visiting the link below:

New Members

New Member Resources

Check out the resources below to better understand your CalPERS membership and benefits.

• Public Agency Members Guide

FSA Enrollment

Learn more about Medical, Dependent Care and Transportation Flexible Spending Accounts. 

Create an account and login to your FSA here: www.wexinc.com.

Medical

A 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)

Dependent Care

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).

Transportation Spending Account: Transit or Parking

FSA's also allow you to set aside pre-tax dollars for eligible commuting expenses, like bus, train, or metro fares, as well as parking fees. This benefit does not cover things like gas or vehicle maintenance. 

Grace Period

FSA funds do not rollover from year to year and must used by the end of the grace period (March of the following year).

FSA Resources

457 Deferred Compensation Plan

The optional 457 Deferred Compensation Plan is a supplemental retirement plan in addition to your CalPERS pension plan. Participants of the program select a designated monthly amount to deduct from their paychecks and deposit into a 457 account. While you may stop your deductions at any time, you may not have access to the funds until you have separated from City employment.

In 2024, the 457(b) annual elective deferral limit is $23,000. Catch-up limits are an additional $7,500 for “Age-50” and an additional $23,000 for “Pre-Retirement”

The City has three 457 plan carriers, MissionSquare, Nationwide and Voya. Enrollment in a 457 plan requires you to first establish and account with on of our plan carriers. 

Concern Health - Employee Assistance Program  

 Concern is the City's new EAP provider, replacing MHN effective July 1, 2023
We are excited to offer an improved level of EAP benefits through Concern.

Enhanced benefits include:

• Improved Member experience
• In-person and virtual provider network
• Robust Digital platform and experience
• Convenient Counseling options: in-person, video, telephonic, text, live chat
• Coaching options in addition to counseling

The EAP through Concern can help you handle a wide variety of personal issue such as emotional health and substance abuse; parenting and childcare needs; financial coaching; legal consultation; and eldercare resources.

The EAP is available around the clock to ensure you get access to the resources you need:

• Unlimited phone access 24/7
• In-person or video counseling for short-term issues; up to 10 visits per issue
• Unlimited web access to helpful articles, resources, and self-assessment tools

How to Access Care

Contacting the EAP is completely confidential, free and available to any member of your immediate household.

Phone: 800-344-4222
Website: login.concernhealth.com  
Company Code: alameda

• 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, 104KB), 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 Nafisah Ali, nali@alamedaca.gov, for alternatives.

• If I waive coverage now and suddenly lose coverage, 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. 

• 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 & Social Security Card.
• Domestic Partner: State of California Domestic Partnership Registration & Social Security Card.
• Child(ren): Birth or Adoption Certificate(s) & Social Security Card(s).
• Step Child(ren): Marriage Certificate/Domestic Partner Registration & Birth or Adoption Certificate(s) & Social Security Card(s).

*CalPERS requires a copy of the social security card for all dependents.

• When will my enrollments be effective?

You have 60 days to complete your new hire enrollments. New hire enrollments in medical, dental, vision, and FSAs become effective the month following the return of your forms. So for example, if you return forms by March 15, the enrollments will be effective April 1. *Enrollments cannot begin the same month you are hired.

• How do I figure out what I am paying for medical coverage?

You can figure out your out of pocket premium contribution a couple different ways. You can login into your Employee Self Service portal and click on "Benefits" to see your current enrollments and monthly premiums. You can also look at he Out-of-Pocket Premium chart for your bargaining unit under the Medical section above.

Don't see an answer to your question? Contact Human Resources hr@alamedaca.gov or call (510) 747-4900.