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Benefits Overview

Veba Logo.png   Cypress School District purchases your health care, wellness, and advocacy benefits through the California Schools VEBA.  To visit their website click on the following link:  www.vebaonline.com.  

 

Click here to view important plan information:

VEBA Medical Benefit Comparison Chart

Top 10 Benefits Provided to you by VEBA

EMPLOYEES

Coverage:  The Cypress School District health and welfare benefits package includes medical (with chiropractic), dental, vision, and life insurance coverage for full-time employees and medical and dental coverage for qualified dependents.  Dependent vision coverage may be added at an additional cost. 

 

Plan Year:  January through December, with open enrollment taking place each October.

 

Cost:  The District pays a set percentage of the cost of each plan, and the balance is paid by the employee.  

 

 

EMPLOYMENT 
TYPE

KAISER  PERMANENTE HMO

UNITED HEALTHCARE ​HMO

UNITED HEALTHCARE PPO

Employee Only

Full-Time
Part-Time

100%
50%

100%
50%

85%
42.5%

Employee +1 Dependent

Full-Time
Part-Time

88%
44%

58%
29%

50%
25%

Employee + Family

Full-Time
Part-Time

88%
44%

58%
29%

40%
20%

 

Medical Plans:

Kaiser Permanente HMO

United Healthcare HMO

United Healthcare PPO - including Acupuncture

My Optum Health – Chiropractic (included with all health plans) -- Acupuncture services are not included in the UHC HMO or Kaiser plans.

 

Dental Plans:

Delta Dental (PPO)

Delta Dental (DHMO)

 

Vision Plan:

VSP

 

Section 125 Flexible Spending Account​A Section 125 Flexible Spending Account plan is also available for healthcare and dependent care reimbursement.  The plan is administered by P&A Group.

 

District-Paid Life Insurance:  All active full-time employees eligible for the District benefit package, including those who waive health insurance coverage, are provided with District-paid life insurance with accidental death and dismemberment coverage in the amount of $30,000.   Benefit-eligible part-time employees who elect to participate in the health benefits plan will also receive life insurance coverage.  The policy is with Mutual of Omaha Life Insurance Company through Self-Insured Schools of California (SISC).

 

Voluntary Life & Cancer Insurance Plans:

Life Insurance - Lincoln Financial

Cancer Insurance – Allstate

 

Eligibility:  All full-time employees are eligible to participate in the health and welfare benefits plan. Certificated employees are considered full-time if they work at least 75 percent of a full-time assignment. Classified employees are considered full-time if they work at least equivalent to six hours per day.

 

Part-time employees who work at least 50 percent of a full-time assignment may also participate in the benefits plan, including life insurance. The District will contribute half the percentage paid for full-time employees.  Employees who work less than a 50 percent assignment are not eligible to participate in the health benefits plan.

 

Full-time employees may opt out of the medical portion of the benefits plan and elect dental and/or vision coverage only or may opt out the health benefits plan entirely.  Proof of other medical insurance coverage is required.

 

Eligible dependents include a spouse, registered domestic partner, and children (biological, adopted, or stepchildren) up to age 26, regardless of student status.

 

  • Dependent Dental Coverage: Dependents who are enrolled in an employee’s medical plan will also be enrolled in the employee’s dental plan.  Eligible dependents who are not enrolled in a medical plan may be enrolled in dental-only coverage at an additional cost.

  • Dependent Vision Coverage: Dependents may be enrolled in vision coverage at an additional cost. 

Effective Date of Coverage:  Coverage for new employees is effective on the first day of the month coinciding with or following commencement of active employment or board membership.  Enrollment must take place within 30 days of hire. 

 

Enrollment Changes:  Changes to coverage may be made outside open enrollment ONLY in the event of a valid “qualifying event.” Such events include marriage, entering into a domestic partnership, legal separation or divorce, or birth, legal adoption, or acquiring legal custody of a child.  Employees must notify the District of a change in family status and provide supporting documentation of the change within 30 days of the event.  Examples of supporting documentation include a birth certificate, marriage certificate, or court order.  

 

Leave of Absence:  Employees on Board-approved leaves of absence without pay and those on sabbatical leave may participate in the District’s total employee health, dental, vision, and life insurance benefit plan for themselves and their dependents at their own expense.

 

Termination:  Health insurance coverage will cease at the end of the month following the last day of paid service. 

 

Waiver of Benefits:  Employees may waive their right to health insurance benefits.  Any such waiver shall be irrevocable until the next open enrollment period, unless there is a family status change resulting in loss of other coverage. In that instance, employees may enroll themselves and their eligible dependents within 30 days of losing coverage. The effective date of coverage will be no later than the first day of the month following the loss of coverage.

 

Full-time employees who wish to waive benefits must provide proof of other medical coverage, such as a copy of a health insurance card.  No financial incentive is offered to employees who waive health insurance benefits. 

 

Full-time employees who waive health benefits retain District life insurance coverage.

 

EARLY RETIREES

 

Eligibility:  Employees age 55 and older who retire under the State Teachers' Retirement System (STRS) or Public Employees' Retirement System (PERS) and have at least 10 years of full-time employment with Cypress School District are eligible to participate in the District's health benefits plan until age 65. 

 

Plan Choices:  Early retirees are entitled to make the same insurance selections as active employees, with the exception of life insurance, voluntary insurance plans, and Section 125 flexible spending accounts.

 

Termination:  Eligibility ends if a retiree is employed elsewhere and covered under that employer's group health plan.  Otherwise, coverage through the District's health benefits plan ceases for retirees at age 65.  Dependent coverage ceases upon death of the retiree or when the retiree or dependent reaches age 65.  Benefits terminate at the beginning of the 65th birthday month (1st of the month).