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Risk Management

Flexible Benefits Plan Options for Fire Safety Members

IAFF Local 145 logoBelow are the Flexible Benefits Plan (FBP) credits and options that are available to Fire Safety members.


FBP Credits

The City provides dollars in the form of FBP Credits that you can apply towards your health (medical, dental, vision) or life insurance premiums, Flexible Spending Account or 401(k) savings contributions. Selecting to "Waive" results in a distribution of the FBP Credits as taxable payroll earnings.

Local 145 Members

Coverage TypeAnnualSemi-monthly (24 pay periods)*
Full-time1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 hours)
Waive$1,750.00$36.46$54.69$72.92
Employee only$9,830.00$204.79$307.19$409.58
Employee & Spouse/Domestic Partner$16,103.00$335.48$503.22$670.96
Employee & Children$13,453.00$280.27$420.41$560.54
Employee & Spouse/Domestic Partner & Children$18,097.00$377.02$565.53$754.04

Unclassified Fire Safety Members

Coverage TypeAnnualSemi-monthly (24 pay periods)*
Full-time1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 hours)
Waive$9,977.00$207.86$311.78$415.71
Employee only$13,178.00$274.54$411.81$549.08
Employee & Spouse/Domestic Partner$16,176.00$337.00$505.50$674.00
Employee & Children$15,603.00$325.07$487.60$650.13
Employee & Spouse/Domestic Partner & Children$17,771.00$370.23$555.35$740.46

FBP Options

Select a plan below to view detailed provider information including premiums and benefit summaries.

Medical Plans

Waive Medical

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$0$0$0$0

Kaiser Permanente (2 HMO plans)

Kaiser Permanente Traditional (HMO) Information

Kaiser Permanente Traditional (HMO) Premiums

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $5,895 $491.25 $0.00 $245.63
Employee & Spouse $12,910 $1,075.85 $0.00 $537.93
Employee & Domestic Partner (non-dependent) $12,910 $1,075.85 $292.30 $245.63
Employee & Children $11,201 $933.38 $0.00 $466.69
Employee & Spouse & Children $17,921 $1,493.41 $0.00 $746.71
Employee & Domestic Partner & Children (non-dependent) $17,921 $1,493.41 $280.02 $466.69

* Variances Due to Rounding

Kaiser Permanente Deductible (HMO) Information

Kaiser Permanente Deductible (HMO) Premiums

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $4,535 $377.89 $0.00 $188.95
Employee & Spouse $9,931 $827.58 $0.00 $413.79
Employee & Domestic Partner (non-dependent) $9,931 $827.58 $224.84 $188.95
Employee & Children $8,616 $718.00 $0.00 $359.00
Employee & Spouse & Children $13,785 $1,148.79 $0.00 $574.40
Employee & Domestic Partner & Children (non-dependent) $13,785 $1,148.79 $215.40 $359.00

* Variances Due to Rounding

Cigna (1 PPO plan, 1 HMO plan for Unclassified only)

Cigna OAP (PPO) Information

Cigna OAP (PPO) Premiums

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $13,382 $1,115.18 $0.00 $557.59
Employee & Spouse $29,307 $2,442.25 $0.00 $1,221.13
Employee & Domestic Partner (non-dependent) $29,307 $2,442.25 $663.54 $557.59
Employee & Children $25,426 $2,118.85 $0.00 $1,059.43
Employee & Spouse & Children $40,682 $3,390.16 $0.00 $1,695.08
Employee & Domestic Partner & Children (non-dependent) $40,682 $3,390.16 $635.65 $1,059.43

* Variances Due to Rounding

Cigna (HMO) is provided as an option to Unclassified Fire Safety members only.

Cigna (HMO) Information

Cigna (HMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$13,273$1,106.05$0.00$553.02
Employee & Spouse/Domestic Partner$29,067$2,422.26$0.00$1,211.13
Employee & Domestic Partner (post-tax)**$29,067$2,422.26$658.10$553.02
Employee & Children$25,218$2,101.48$0.00$1,050.74
Family$40,349$3,362.38$0.00$1,681.19
Family (Domestic Partner post-tax)**$40,349$3,362.38$630.45$1,050.74

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines.  To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Anthem Blue Cross (1 HMO plan)

Anthem Blue Cross (HMO) Information

Anthem Blue Cross (HMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$8,135$677.93$0.00$338.97
Employee & Spouse$18,990$1,582.52$0.00$791.26
Employee & Domestic Partner (non-dependent)$18,990$1,582.52$452.29$338.97
Employee & Children$15,590$1,299.18$0.00$649.59
Employee & Spouse & Children$26,629$2,219.08$0.00$1,109.54
Employee & Domestic Partner & Children (non-dependent)$26,629$2,219.08$459.95$649.59

* Variances Due to Rounding

Dental Plans (Optional)

Concordia (1 DHMO plan, 1 DPO plan)

Delta Dental (DHMO) Information

Delta Dental (DHMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$140.52$11.71$0.00$5.86
Employee & Spouse/Domestic Partner$280.68$23.39$0.00$11.70
Employee & Domestic Partner (post-tax)**$280.68$23.39$5.84$5.86
Employee & Children$245.64$20.47$0.00$10.24
Family$435.24$36.27$0.00$18.14
Family (Domestic Partner post-tax)**$435.24$36.27$7.90$10.24

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines.  To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Delta Dental (DPO) Information

Delta Dental (DPO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$490.32$40.86$0.00$20.43
Employee & Spouse/Domestic Partner$979.68$81.64$0.00$40.82
Employee & Domestic Partner (post-tax)**$979.68$81.64$20.39$20.43
Employee & Children$955.44$79.62$0.00$39.81
Family$1,513.92$126.16$0.00$63.08
Family (Domestic Partner post-tax)**$1,513.92$126.16$23.27$39.81

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines.  To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Vision Plans (Optional)

City VSP (1 plan)

City VSP Information

City VSP Premiums

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $56 $4.70 $0.00 $2.35
Employee & Spouse/Domestic Partner $113 $9.40 $0.00 $4.70
Employee & Domestic Partner (post-tax)** $113 $9.40 $2.35 $2.35
Employee & Children $121 $10.05 $0.00 $5.03
Family $193 $16.08 $0.00 $8.04
Family (Domestic Partner post-tax)** $193 $16.08 $3.02 $5.03

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines.  To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Life Insurance Plans

Basic Life Insurance

PDF icon City of San Diego Basic Life Accidental Death & Dismemberment Insurance Benefit Highlights (Class 2)

Basic life insurance coverage of $50,000 is provided at no cost to Fire Safety members.