This information applies to City of Modesto Employees under MCEA, MPNSA, MCMA, MPOA, MPMA and unrepresented employees only.
Health Insurance Rates and Health Plan Side-By-Side Comparisons
Health Plan Side-by-side Comparison
Health Insurance Information
Health Savings Account (HSA)
A Health Savings Account (HSA) is only available to employees enrolled in a HDHP medical plan (Anthem Blue Cross 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.
CHANGE: Effective September 1, 2013, City of Modesto will be transitioning administrators from Health Equity to
Wells Fargo. For more information on this transition, please click here.
Wells Fargo has a $2.50 per month (reducing to $2.00 per month effective 1/1/2014) administrative fee which is automatically
deducted from your account.
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
Chiropractic/Mental Health Plans
Chiropractic Health Coverage
The chiropractic coverage for employees/retirees is now integrated in your medical plan. For example, if you
elect Anthem blue Cross HMO, your chiropractic coverage is through Anthem blue Cross HMO. For more details please
refer to the Benefit Plan summaries of the medical coverage. Employees who are enrolled in Kaiser HDHP or opt-out
of medical coverage do not have chiropractic.
Mental Health Coverage
The mental health coverage for employees/retirees is now integrated in your medical plan. For example, if you elect
Anthem Blue Cross HMO plan, your mental health coverage is through Anthem Blue Cross HMO. For more details refer to the
Benefit Plan Summaries of the medical coverage. Employees who opt out of medical coverage do not have mental health coverage
through City of Modesto.
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.