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Medical, Dental & Vision Benefits
Tax
Advantage Premium Plan (TAPP)
| Health Plan Enrollment | Dental
Plan Enrollment Vision Plan Enrollment
| FlexCash
Plan
| COBRA Enrollment |Health Insurance Portability and Accountability Act (HIPAA)
Tax
Advantage Premium Plan (TAPP)
Employees
electing health coverage through the CSU can also elect to
participate in the Tax Advantage Premium Plan (TSPP), which
allows them on pay the employee part of the premium with pre-tax
dollars. This will reduce the amount of federal, state and
FICA taxes. There is an administrative charge of $.17 per
month to participate.
Employees
can elect to decline TAPP by completing an election form to
disenroll.
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Health
Plan Enrollment
The
following health plans are available to CSU employees:
Health
Maintenance Organizations (HMOs)
Blue
Shield - an individual practice plan where contracted
doctors and hospitals provide all services. For more information,
consult the Evidence of Coverage Booklet.
Kaiser
- a clinic/hospital-based plan where one specific clinic or
hospital provides the services. For more information, consult
the Evidence of Coverage Booklet.
Preferred
Provider Organizations (PPO)
PERSChoice and PERSCare (administered by Blue
Cross of California).
Additional
Information:
Premiums
Monthly
plan premium costs are shared by the CSU and the employee.
Employee contribution rates vary depending on the plan selected
and the number of dependents enrolled.
Choosing
a Plan
Need
help choosing a medical plan? Try the CalPERS Health Plan
Chooser.
Before
enrolling, review the 2007/2008 Health Plan Rates (PDF) and the information provided below on each plan.
To
Enroll
Complete
Health Benefits Enrollment form and Declaration of Health
Coverage, and return both forms to the Benefits Unit in Human
Resources.
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Dental
Plan Enrollment
There
are two dental plans available to CSU employees. The premiums
for the dental plans are paid entirely by the CSU, but both
plans vary in benefits and copayments. It is important
to evaluate each plan based on personal and family needs.
The
two dental plans available are:
DeltaCare PMI (HMO) - A Managed
Care plan. Employees must select a dentist from within PMI's
network of dentists who have contracted for services at no
cost or at a set amount per procedure. Family members may
choose a different dentist in the network.
Additional
Information:
Delta
Dental -Comprehensive Dental Program (PPO) - An indemnity plan. This fee-for-service
plan allows employees to select their own dentist. This plan
has a deductible. You may select dentists from the Delta Dental
Premier or Delta Dental PPO network for additional savings.
Additional
Information
To
Enroll
Complete
the Dental Enrollment form and return to the Benefits Unit
in Human Resources.
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Vision
Plan Enrollment
San
Francisco State University provides a vision care benefit to eligible employees. The State pays the premium for the employee and any dependents. The provider is Vision Service Plan (VSP).
The vision benefit allows one comprehensive calendar year examination every 12 months and one set of lenses and one frame, or contact lenses, every other calendar year. Click here for more information regarding VSP. There is a $10 copayment for this benefit.
Additional Information:
If you choose to use a non-VSP provider, an itemized receipt along with a completed VSP Out-of-Network Reimbursement form mailed to the following address:
VSP
P.O. Box 991705
Sacramento, Ca 95899-7105
VSP will make payment directly to you based on the out-of-network allowances.
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FlexCash
Plan
Employees
who have non-CSU health and/or dental coverage can elect to
participate in the FlexCash plan to obtain cash in lieu of
CSU coverage. The money is taxed.
Waive
Medical and Dental $140
Waive Medical Only $128
Waive Dental Only $ 12
Additional
Information:
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COBRA
Enrollment
Employees
who lose eligibility for medical, dental, and vision plans
due to a reduction in work hours or termination of employment
are eligible to continue benefit coverage under COBRA for
a maximum of eighteen months. This benefit extends to dependents
covered by the employee's medical, dental and vision plans.
When dependent children turn 23, they are eligible for a maximum
of up to 36 months of continuation coverage.
If
continuation is elected, employees and/or dependents will
be required to pay the full premium plus a 2% administrative
fee. The coverage will end prior to the 18-month maximum if
the premiums are not paid in a timely manner, or if the enrollee
is covered under another health plan, or becomes entitled
to Medicare.
Click
here for a detailed description of COBRA, or contact the Benefits
Service Unit at (415) 338-1875 for eligibility and qualifying
events.
Additional
Information:
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Health Insurance Portability and Accountability Act (HIPAA)
The Health Insurance Portability and Accountability Act (HIPAA)protects the enrollment and policies for employees and family members who are eligible to enroll in a CalPERS-sponsored health plan.
HIPAA also protects the confidentiality between you and your health care provider. In accordance with HIPAA, should you need an SFSU benefits coordinator to assist you with your health care claims, an Authorization to Use and/or Disclose Personal Health Plan Information Form is required.
Additional Information:
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