Changes to Health Benefits Plans Approved by CCFT Membership
Update on Changes to Health Benefits Plans
Summary Table of Changes
Link to Plan Details on Cabrillo HR Website
Blue Shield HMO Provider Directory - Santa Cruz County
September 2009 Q & A on Proposed Changes to Health Benefits
Old Exibits of Plan Changes (from Cabrillo College Human Resources
- Exhibit A - Health Net High vs Blue Shield HMO High Medical Plan
- Exhibit B - Health Net Low vs Blue Shield HMO Low Medical Plans
- Exhibit D - Blue Shield PPO Medical Plan Comparisons
In mid-September CCFT members approved the proposed changes to the base-level HMO health benefits plan that sets the floor for the District contriubution to all health benefits plans. As of November 1, 2009, the HMO plans will change (more detail below). The District will continue to pay the entire cost for the Low (or base-level) HMO. The PPO plans will remain the same.
What benefits plans does the college offer?
The college currently offers two HMO plans provided by Health Net (Low and High) and three PPO plans provided by Blue Shield (Low, Medium, and High). These plans will are effective through the end of October, 2009. As of November 1, 2009, the college will offer two HMO plans provided by Blue Shield (Low and High) as well as the same three PPO plans provided by Blue Shield during the previous year.
How does this affect me if I plan to be on the High HMO or a PPO?
The Low HMO sets the base District contribution for all of the plans. For full-time faculty the District pays 100% of the Low HMO as well as dental, life, and disability coverage. If full-time faculty members select a plan that costs more than the Low HMO, they pay the additional amount by payroll deduction. Thus, while the PPOs will not change, the change in out-of-pockets costs will be based on the District contribution which is directly tied to the Low HMO. For eligible adjunct faculty: the District-paid benefits stipend increases by the same percentage as the employee-only benefits stipend for contract regular faculty.
What are the actual out-of-pocket cost differences for full-time employees?
HMO Low
|
HMO High |
PPO Low |
PPO Medium |
PPO High |
|
| 12thly cost to employee through Ooct. 31, 2009 | Single: $0 |
Single: $42 |
Single: $0 |
Single: $110 |
Single: $174 |
12thly cost to employee as of November 1, 2009
|
Single: $0 |
Single: $107 |
Single: $0 |
Single: $124 |
Single: $191 |
| Costs are based on a 12 month schedule. For tenthly amount, multiply by 1.2. | |||||
Where can I get more information?
Details about the various plans are on the Human Resources website at: http://www.cabrillo.edu/services/hr/benefits/index.html.
You may also call the CCFT office (464-2238) or CCFT Benefits Committee reps Debora Bone (425-0622; debone@cabrillo.edu) or Olivia Hand (479-6282; olhand@cabrillo.edu) for more information.
Summary Table of Changes
Change to Low HMO
| HMO Low: Health Net | New HMO Low: Blue Shield |
|---|---|
| (through Oct. 31, 2009) | (effective November 1, 2009) |
| $20 visits co-pay $250 hospital co-pay Annual Out-of-Pocket Max $1,500 / $4,500 Pharmacy Co-pay: $5 generic $10 brand $35 non-formulary |
$25 visits co-pay $500 hospital co-pay Annual Out-of-pocket Max: $2,000 / $4,000 Pharmacy Co-pay: $10 generic $20 brand $35 non-formulary |
| Monthly cost to employee: Single: $0 Two-party: $0 Family: $0 |
Monthly cost to employee: Single: $0 Two-party: $0 Family: $0 |
Change to High HMO
| HMO High: Health Net | New HMO High: Blue Shield |
|---|---|
| (through Oct. 31, 2009) | (effective November 1, 2009) |
| $10 visits co-pay $0 hospital co-pay |
$10 visits co-pay $0 hospital co-pay |
| Annual Out-of-Pocket Max $1,500 / $4,500 |
Annual Out-of-Pocket Max $1,000 / $2,000 |
| Pharmacy Co-pay: $5 generic $10 brand $35 non-formulary |
Pharmacy Co-pay: $5 generic $10 brand $25 non-formulary |
| Montly cost to employee (12 months) Single: $42 2-Party: $85 Family: $116 |
Montly cost to employee (12 months) Single: $107 2-Party: $215 Family: $295 |
No Proposed Changes to PPO Plans
PPO Low
|
PPO Middle
|
PPO High
|
Monthly Cost to Employee (12 months) |
||
Single: $0 |
Single: $110 |
Single: $174 |
Monthly Cost to Employeeas (12 months) |
||
$0 |
Single: $124 |
Single: $191 |
This summary information is provided for reference only. For actual plan details refer to the detailed information from the Human Resources department (links at top of page).