This information applies to City of Modesto Employees represented by MCFFA only.
- The open enrollment period will begin Monday, October 10, 2011 through Friday, November 4, 2011.
- All changes must be submitted to the Human Resources Department by 5:00pm on Friday,
November 4, 2011.
- Elections made during open enrollment will become effective January 1, 2012.
Health Insurance Rates
CalPERS health rates are based on your home address zip code. Please click on your region
for health insurance rates for plan year January 1, 2012 – December 31, 2012. If you are not
sure on your region, please click below
to find out which health plans are
available in your area. It is important that you notify City of Modesto of any change of
address within 30 days of move.
Click here to find which region you are in!
Health Insurance Information
During Open Enrollment you may enroll, change health plans, or add/delete eligible family members. Below please find information on the
health plans available through CalPERS.
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 care 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).
ASI administers the FSA program. There is a $3.50 per month ($1.62 per pay period) administration fee.
Unreimbursed Medical (URM)
Limited Expense Unreimbursed Medical Program (LEX URM)
Dependent Care Assistance Program (DCAP)
Stanislaus Foundation Dental
The City of Modesto will be changing dental carriers from Delta Dental to Stanislaus Foundation
effective January 1, 2012. This will be an automatic change and no enrollment form needs to be
completed. You will receive your new dental insurance card on or after December 15, 2011. Below,
please find a list of contracting dentists with Stanislaus Foundation. While you may utilize the
services of any licensed Dentist, there are advantages to visiting a PPO network dentist instead
of a Traditional or non-network dentist.
Health Care Reform
On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and
Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010,
makes sweeping changes to the U.S. health care system. These changes will be implemented over the next several
years. Below is an overview of the key reform provisions that have been implemented. If you would like
more information on the Health Care Reform please visit their website at
- Extended Coverage for Young Adults
Effective January 1, 2011, children are now eligible for coverage up to the age of 26 regardless of marriage status,
financial dependency, or student status.
- Preexisting Condition Exclusions
Effective January 1, 2011, a preexisting condition limitation cannot be applied to any enrollee who is under
age 19. Starting plan year January 1, 2014, preexisting condition limitations will be prohibited for all plans
and all covered individuals.