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Flexible Benefits Plan Options for Local 127 2023
Below are the Flexible Benefits Plan (FBP) credits and options that are available to Local 127 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 and Flexible Spending Accounts. Certain credit tiers also have a cash-back option, with the ability to allocate excess credits towards 401(k) or distributed as taxable income. If your coverage falls under a tier that does not have the cash-back option, then you will not be eligible for the 401(k) flex option or excess credits paid as taxable income.
Most Recent Hire Date prior to July 1, 2020
| Coverage Type | Annual | Semi-monthly (24 pay periods)3 |
||
|---|---|---|---|---|
| Full-time | 1/2 Time (40 hours) |
3/4 Time (60 hours) |
Full-time (80 hours) |
|
| Waive1 | $9,956.00 | $414.83 | $414.83 | $414.83 |
| Employee only2 | $10,956.00 | $456.50 | $456.50 | $456.50 |
| Employee & Spouse/Domestic Partner3 | $16,750.00 | $697.92 | $697.92 | $697.92 |
| Employee & Children3 | $14,750.00 | $614.58 | $614.58 | $614.58 |
| Employee & Spouse/Domestic Partner & Children3 | $21,750.00 | $906.25 | $906.25 | $906.25 |
1 Credits may be used for dental and vision insurance, basic life insurance, flexible spending accounts, or 401k. Any remaining flex credits may be cashed-out as taxable income.
2 Credits may be used for medical, dental, and vision insurance, basic life insurance, flexible spending accounts, or 401k. Any remaining flex credits may be cashed-out as taxable income.
3 Credits may be used for medical, dental, and vision insurance, basic life insurance, or flexible spending accounts only. Remaining flex credits may not be cashed-out or allocated to a 401k account.
Most Recent Hire Date on or after July 1, 2020
| Coverage Type | Annual | Semi-monthly (24 pay periods)3 |
||
|---|---|---|---|---|
| Full-time | 1/2 Time (40 hours) |
3/4 Time (60 hours) |
Full-time (80 hours) |
|
| Waive1 | $1,000.00 | $41.67 | $41.57 | $41.67 |
| Employee only3 | $7,600.00 | $316.67 | $316.67 | $316.67 |
| Employee & Spouse/Domestic Partner3 | $16,750.00 | $697.92 | $697.92 | $697.92 |
| Employee & Children3 | $14,750.00 | $614.58 | $614.58 | $614.58 |
| Employee & Spouse/Domestic Partner & Children3 | $21,750.00 | $906.25 | $906.25 | $906.25 |
1 Employee's that waive City medical coverage must provide proof of qualifying medical coverage to receive flex credits. Credits may be used for dental and vision insurance, basic life insurance, flexible spending accounts, or 401k. Any remaining flex credits may be cashed-out as taxable income.
2 Credits may be used for medical, dental, and vision insurance, basic life insurance, flexible spending accounts, or 401k. Any remaining flex credits may be cashed-out as taxable income.
3 Credits may be used for medical, dental, and vision insurance, basic life insurance, or flexible spending accounts only. Remaining flex credits may not be cashed-out or allocated to a 401k account.
FBP Options
Select a plan below to view detailed provider information including premiums and benefit summaries.
Medical Plans
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $0 | $0 | $0 | $0 | |
Kaiser Permanente (2 HMO plans)
Kaiser Permanente Traditional (HMO) Information
Kaiser Permanente Traditional (HMO) Premiums
Available to All Employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $7,477.92 | $623.16 | $0.00 | $311.58 | |
| Employee & Spouse/Domestic Partner | $16,376.64 | $1,364.72 | $0.00 | $682.36 | |
| Employee & Domestic Partner (post-tax)** | $16,376.64 | $1,364.72 | $370.78 | $311.58 | |
| Employee & Children | $14,208.12 | $1,184.01 | $0.00 | $592.01 | |
| Family | $22,732.92 | $1,894.41 | $0.00 | $947.21 | |
| Family (Domestic Partner post-tax)** | $22,732.92 | $1,894.41 | $355.20 | $592.01 | |
* 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.
Kaiser Permanente Deductible (HMO) Information
Kaiser Permanente Deductible (HMO) Premiums
Available to All Employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $5,757.24 | $479.77 | $0.00 | $239.89 | |
| Employee & Spouse/Domestic Partner | $12,608.40 | $1,050.70 | $0.00 | $525.35 | |
| Employee & Domestic Partner (post-tax)** | $12,608.40 | $1,050.70 | $285.46 | $239.89 | |
| Employee & Children | $10,938.84 | $911.57 | $0.00 | $455.79 | |
| Family | $17,502.12 | $1,458.51 | $0.00 | $729.26 | |
| Family (Domestic Partner post-tax)** | $17,502.12 | $1,458.51 | $273.47 | $455.79 | |
* 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.
Kaiser Partner Site
Cigna (2 HMO plan, 1 PPO plan)
Cigna (HMO) Information
Cigna (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $15,048.72 | $1,254.06 | $0.00 | $627.03 | |
| Employee & Spouse/Domestic Partner | $32,957.16 | $2,746.43 | $0.00 | $1,373.22 | |
| Employee & Domestic Partner (post-tax)** | $32,957.16 | $2,746.43 | $746.19 | $627.03 | |
| Employee & Children | $28,592.16 | $2,382.68 | $0.00 | $1,191.34 | |
| Family | $45,747.60 | $3,812.30 | $0.00 | $1,906.15 | |
| Family (Domestic Partner post-tax)** | $45,747.60 | $3,812.30 | $714.81 | $1,191.34 | |
* 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.
Cigna Scripps Select (HMO) Premiums
Cigna Scripps Select Benefit Summary 2023- Cigna Scripps Select Summary of Benefits and Coverage 2023
Available to all employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $7,461.84 | $621.82 | $0.00 | $310.91 | |
| Employee & Spouse/Domestic Partner | $16,338.96 | $1,361.58 | $0.00 | $680.79 | |
| Employee & Domestic Partner (post-tax)** | $16,338.96 | $1,361.58 | $369.88 | $310.91 | |
| Employee & Children | $14,178.12 | $1,181.51 | $0.00 | $590.76 | |
| Family | $22,684.92 | $1,890.41 | $0.00 | $945.21 | |
| Family (Domestic Partner post-tax)** | $22,684.92 | $1,890.41 | $354.45 | $590.76 | |
* 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.
Cigna Open Access Plan (OAP) PPO Information
Cigna Open Access Plan (OAP) PPO Premiums
Available to All Employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $16,567.56 | $1,380.63 | $0.00 | $690.32 | |
| Employee & Spouse/Domestic Partner | $36,283.80 | $3,023.65 | $0.00 | $1,511.83 | |
| Employee & Domestic Partner (post-tax)** | $36,283.80 | $3,023.65 | $821.51 | $690.32 | |
| Employee & Children | $31,478.28 | $2,623.19 | $0.00 | $1,311.60 | |
| Family | $50,365.44 | $4,197.12 | $0.00 | $2,098.56 | |
| Family (Domestic Partner post-tax)** | $50,365.44 | $4,197.12 | $786.96 | $1,311.60 | |
* 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.
Cigna Additional Information
- Cigna New ID Card
- Cigna One Guide
- Cigna Pharmacy Home Delivery Express Scripts
- Cigna Find A Provider
- Scripps HealthExpress Walk-in Locations
- Cigna Virtual Care: Know Before You Go
- Cigna Virtual Care: When Leaving the House is Easier Said Than Done
- Cigna Behavioral Health Provider Nomination Form
- Cigna Active & Fit Direct Program Q&A
- Healthy Rewards Active & Fit Direct Web Navigation Customer Flyer
- Cigna Behavioral Telehealth
- Cigna Healthy Choices Deserve Healthy Discounts
- Cigna Transition of Care
Cigna Partnersite
SDPEBA/Sharp Classic (HMO) Information
SDPEBA/Sharp Classic (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $8,452.56 | $704.38 | $0.00 | $352.19 | |
| Employee & Spouse/Domestic Partner | $18,489.84 | $1,540.82 | $0.00 | $770.41 | |
| Employee & Domestic Partner (post-tax)** | $18,489.84 | $1,540.82 | $418.22 | $352.19 | |
| Employee & Children | $16,043.76 | $1,336.98 | $0.00 | $668.49 | |
| Family | $25,659.36 | $2,138.28 | $0.00 | $1,069.14 | |
| Family (Domestic Partner post-tax)** | $25,659.36 | $2,138.28 | $400.65 | $668.49 | |
* 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.
SDPEBA/Sharp Select (HMO) Information
SDPEBA/Sharp Select (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $5,769.36 | $480.78 | $0.00 | $240.39 | |
| Employee & Spouse/Domestic Partner | $12,613.44 | $1,051.12 | $0.00 | $525.56 | |
| Employee & Domestic Partner (post-tax)** | $12,613.44 | $1,051.12 | $285.17 | $240.39 | |
| Employee & Children | $10,945.68 | $912.14 | $0.00 | $456.07 | |
| Family | $17,502.24 | $1,458.52 | $0.00 | $729.26 | |
| Family (Domestic Partner post-tax)** | $17,502.24 | $1,458.52 | $273.19 | $456.07 | |
* 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.
SDPEBA/Sharp Saver Deductible (HMO) Information
SDPEBA/Sharp Saver Deductible (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $5,111.52 | $425.96 | $0.00 | $212.98 | |
| Employee & Spouse/Domestic Partner | $11,172.96 | $931.08 | $0.00 | $465.54 | |
| Employee & Domestic Partner (post-tax)** | $11,172.96 | $931.08 | $252.56 | $212.98 | |
| Employee & Children | $9,695.76 | $807.98 | $0.00 | $403.99 | |
| Family | $15,502.32 | $1,291.86 | $0.00 | $645.93 | |
| Family (Domestic Partner post-tax)** | $15,502.32 | $1,291.86 | $241.94 | $403.99 | |
* 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.
Sharp Plan Additional Information
- Coronavirus (COVID-19): Important information from Sharp Health Plan
- Sharp LifeCycle
- Find a Provider
- BestHealth
Dental Plans (Optional)
Dental Health Services (1 DHMO plan, 1 DPO plan)
Dental Health Services (DHMO) Information
Dental Health Services (DHMO) Premiums
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $248.88 | $20.74 | $0.00 | $10.37 | |
| Employee & Spouse/Domestic Partner | $439.44 | $36.62 | $0.00 | $18.31 | |
| Employee & Domestic Partner (post-tax)** | $439.44 | $36.62 | $7.94 | $10.37 | |
| Employee & 1 Child | $439.44 | $36.62 | $0.00 | $18.31 | |
| Employee & Children | $614.16 | $51.18 | $0.00 | $25.59 | |
| Family | $614.16 | $51.18 | $0.00 | $25.59 | |
| Family (Domestic Partner post-tax)** | $614.16 | $51.18 | $7.28 | $18.31 | |
* 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.
Dental Health Services (DPO) Information
Dental Health Services (DPO) Premiums
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $487.20 | $40.60 | $0.00 | $20.30 | |
| Employee & Spouse/Domestic Partner | $944.88 | $78.74 | $0.00 | $39.37 | |
| Employee & Domestic Partner (post-tax)** | $944.88 | $78.74 | $19.07 | $20.30 | |
| Employee & 1 Child | $944.88 | $78.74 | $0.00 | $39.37 | |
| Employee & Children | $1,767.60 | $147.30 | $0.00 | $73.65 | |
| Family |
$1,767.60 |
$147.30 | $0.00 | $73.65 | |
| Family (Domestic Partner post-tax)** | $1,767.60 | $147.30 | $34.28 | $39.37 | |
* 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 Information
- 2024 VSP Benefits Summary
- TruHearing Member Extras
- Exclusive Member Extras
- VSP Member Flyer
- VSP Lightcare
City VSP Premiums
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $56.40 | $4.70 | $0.00 | $2.35 | |
| Employee & Spouse | $112.80 | $9.40 | $0.00 | $4.70 | |
| Employee & Domestic Partner (non-dependent) | $112.80 | $9.40 | $2.35 | $2.35 | |
| Employee & Children | $120.60 | $10.05 | $0.00 | $5.03 | |
| Family | $192.96 | $16.08 | $0.00 | $8.04 | |
| Family (Domestic Partner post-tax) | $192.96 | $16.08 | $3.01 | $5.03 | |
* Variances Due to Rounding
City VSP Partnersites
-
Open Enrollment: http://cityofsd.vspforme.com/
-
Post Enrollment: https://cityofsd-acpt.vspforme.com/?view=post
Life Insurance Plans
City of San Diego BasicLifeADD_BHS Class 1
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* |
|---|---|---|---|
| $10,000 | $4 | $0.30 | $0.15 |
| $25,000 | $9 | $0.75 | $0.38 |
| $50,000 | $18 | $1.50 | $0.75 |
Additional Life Insurance (Supplemental Life)
Voluntary Group Term Life Insurance Benefit Highlights
Please refer to pages 2023 Information and Cost Booklet for more information on Supplemental Life Insurance.