Open Enrollment 2010

This information applies to City of Modesto Employees and Retirees only.

2010 Open Enrollment Information for City of Modesto employees and retirees is now available. Open enrollment is the one time each year that you are able to evaluate your healthcare needs and, if necessary, make changes.

Important Dates

• The Open Enrollment Period will begin Thursday, October 1, 2009 through Friday, October 30, 2009
• All changes must be returned to the Human Resources Department by 5:00pm on Friday, October 30, 2009
• Elections made during open enrollment will become effective January 1, 2010.
• Open Enrollment Benefits Fair will be held at Tenth Street Place, Room# 2001 on Tuesday, October 6, 2009 from 8:30am - 5:00pm.

• 2010 Open Enrollment Meetings Schedule

  We have scheduled Blue Shield, Kaiser, and First Horizon (HSA Administrator) to present their plans and answer general questions. Meetings are approximately 45-60 minutes.

• Schedule one-on-one appointment (email request) - New!!

  This is new. This open enrollment we are scheduling one-on-one appointments with employees who have follow-up questions to the open enrollment meetings or need assistance completing paperwork. These meetings are limited to 15 minutes, so please come prepared with your questions and dependent information. Appointments will be available from October 12th – October 20th. Please list your name, contact phone number, dates and times that work best for you, and where you work (i.e. Corporation Yard, Police Dept, Tenth Street Place, etc)

• Cheat Sheet to Your Health Insurance

  This document is a road map to your health insurance. Depending on what medical health insurance you are enrolled in, you may have different providers for different services.

Health Insurance Information

• Blue Shield

  • Blue Shield HMO Summary of Benefits
  • Blue Shield PPO Summary of Benefits
  • Blue Shield HDHP Summary of Benefits
  • Blue Shield Enrollment Form
  • Blue Shield Change Form
  • Find A Blue Shield Doctor

• Kaiser

  • Kaiser HMO Summary of Benefits
  • Kaiser HDHP Summary of Benefits
  • Kaiser Enrollment/Change Form
  • Find A Kaiser Doctor

Health Savings Account (HSA)

A Health Savings Account (HSA) is only available to employees enrolled in a HDHP medical plan (Blue Shield HDHP or Kaiser HDHP). A HSA is a tax-favored account that allows you to set aside funds to save and pay for qualified medical expenses incurred by you, your spouse, and any of your qualified dependents. The HSA is an individually-owned account that earns interest and the funds are carried over, without limit, from year to year.

• HSA Documents:
  • The ABCs of HSAs
  • First Horizon Information Kit
  • HSA Enrollment Form
  • HSA Change Form
  • First Horizon HSA Investment Options
  • HSA Contribution Limits
  • HSA Frequently Asked Questions
  • First Horizon Website

Flexible Spending Accounts

A Flexible Spending Account (FSA) is a tax-favored program offered by the City that allows employees to pay for eligible out-of-pocket health care and dependent car expenses with pre-tax dollars. The City offers three FSA accounts: Unreimbursed Medical (URM), Limited Expense Unreimbursed Medical (LEX URM), and Dependent Care Assistance Program (DCAP).

• Unreimbursed Medical (URM)

  • URM Questions and Answers
  • URM Enrollment Form
  • URM Eligible Expenses
  • URM Ineligible Expenses
  • URM Reimbursement Request Form

• Limited Expense Unreimbursed Medical Program (LEX URM)

  • LEX URM Questions and Answers
  • LEX URM Enrollment Form
  • LEX URM Eligible & Ineligible Expense Examples
  • LEX URM Reimbursement Request Form

• Dependent Care Assistance Program (DCAP)

  • DCAP Reference List
  • DCAP Enrollment Form
  • DCAP Reimbursement Form
  • DCAP Highlights

Dental/Vision Plans

• Delta Dental

  • Delta Dental Benefit Highlights
  • Delta Dental Enrollment/Change Form
  • Delta Dental Link to Doctors

• VSP (Vision Plan)

  • VSP Benefit Highlights
  • VSP Link to Doctors

Chiropractic/Mental Health Plans

• American Specialty Health (Chiropractic)

  The chiropractic coverage through American Specialty Health is for those employees/retirees who are enrolled in Blue Shield HMO, Blue Shield Traditional PPO, Kaiser HMO, or any of the Retiree Medicare Advantage plans. For those employees/retirees enrolled in any other medical plan, the chiropractic benefit would be through the medical plan. Employees who opt out of medical coverage do not have chiropractic coverage through City of Modesto.

  • American Specialty Health Benefit Highlights
  • American Specialty Health Website

• PacifiCare Behavioral Health

  The mental health coverage through PacifiCare Behavioral Health is for those employees/retirees who are enrolled in Blue Shield HMO or Blue Shield Traditional PPO. For those employees/retirees enrolled in any other medical plan, the mental health benefit would be through the medical plan. Employees who opt out of medical coverage do not have mental health coverage through City of Modesto.

  • PacifiCare HMO Benefit Highlights
  • PacifiCare PPO Benefit Highlights
  • PacifiCare Behavioral Health Website