Managed Care Health Insurance
Employees have a choice of two health insurance plans which are currently provided by Health Net. Employees must join one of these plans immediately upon employment. If you decline enrollment for yourself or your dependents because of other health insurance coverage, you may in the future be able to enroll yourself or your dependents under limited circumstances upon termination of the other coverage, provided that you request enrollment within 30 days after your other coverage ends. Employees who do not wish to participate in the health insurance plans offered by the College are required to sign a waiver stating that they are covered by another health plan. Please contact the Human Resources Office for information on the cost of all medical plans.
Employees may participate in only one of the plans at any time. Participants receive insurance identification cards for presentation to physicians and hospitals. The employee's share of the premium differs in accordance with the plan chosen, the employee's salary level and whether they choose an individual or family policy. All employees may switch among plans or join a health insurance plan one time each October during the open enrollment period.
Coverage may include the employee, the employee's spouse or eligible same sex domestic partner (as defined by the College (available from Human Resources) and the insurance carriers) and the employee's dependent children (as defined by the insurance carriers). In addition, if you have a new dependent as a result of marriage, birth, adoption, or placement of adoption, you may be able to enroll yourself and your dependents, provided that you request enrollment within 30 days after the qualifying event.
- Health Net: Point Of Service
This is a point of service plan that provides different levels of benefits depending on the providers you use. If you use an in-network physician, hospital or pharmacy, the services are fully covered after small co-payments. Certain services have higher co-pays. If you use out-of-network doctors you must first pay a deductible and will receive 80% coverage of reasonable and customary hospital and physician charges, and 50% coverage of reasonable and customary charges for certain other services. Prescriptions are covered in-network only with a co-pay. - Health Net: Health Maintenance Organization
This HMO uses a network of physicians and specialists in private practice and hospitals. The plan provides full preventive and other medical and hospital care, after small co-payments, through use of its member physicians and hospitals only. Prescriptions are covered after a small co-pay.