BENEFITS OVERVIEW
Benefits Overview
Benefits Overview
| Your Benefit Options | Provider | Your Cost* | |
|---|---|---|---|
| Medical |
HMO health plans PPO health plans |
Anthem and Kaiser | Cost varies based on coverage level elected and your MOU |
| Cash-in-Lieu | City | None. Pays you up to $100** each month. | |
| Dental |
PPO dental plan DHMO dental plan |
Delta Dental | Cost varies based on coverage level elected |
| Preventive Only dental plan | None. Pays you up to $5** each month | ||
| Vision |
In-Network | As of Jan 1, 2024, Blue View Vision PLUS will be the vision provider) | Included at no cost |
| Out-of-Network reimbursements | |||
| Support Plus |
Employee and Family Assistance counseling services | Optum | Included at no cost |
| Insurance | Disability - Basic Coverage (up to 50% of earnings for a maximum of 2 years) | Standard Insurance Company | Included at no cost |
| Life - Basic Coverage ($10,000 for full-time, $5,000 for half-time) | Included at no cost | ||
| Disability - Supplemental Coverage (up to 66-2/3% of earnings until retirement age) | Cost varies based on coverage level elected and is calculated by age and income. | ||
| Life - Supplemental Coverage (up to 5x your annual salary) | |||
| Life - Spouse/Domestic Partner Coverage (up to $100,000) | |||
| Life - Child Coverage ($5,000 per child) | |||
| Accidental Death & Dismemberment (AD&D) (up to $500,000) | |||
| Tax-Advantaged Spending Accounts |
Healthcare Flexible Spending Account (HCFSA) |
WageWorks | You elect voluntary contributions up to an annual maximum limit: For 2023 - HCSFA : $2,850 - DCRA : $5,000 For 2024 - HCFSA $3,050 -DCRA $5,000> |
| Dependent Care Reimbursement Account (DCRA) |
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| Transit and Parking Accounts |
*Your personal cost options are detailed in your Personalized Benefit Statement.
** Amounts represent full-time employment status. For half-time employees, the benefit is reduced 50%.
The City provides the following benefits to eligible full-time and half-time employees through its LAwell Civilian Employee Benefits Program (“LAwell”).
Medical Insurance Employees may choose from five different plans: (1) Kaiser Permanente (HMO) (2) Anthem Narrow Network (Select) HMO (3) Anthem Full Network (CA Care) HMO (4) Anthem Vivity (LA & Orange Counties) HMO
(5) Anthem Preferred Provider Organization (PPO)
The HMO options provide healthcare through networks of doctors, hospitals, and healthcare providers, with member care managed by a Primary Care Physician; to enroll, a member must reside/work within the region served by the HMO. The PPO option provides access to networks of doctors, hospitals, and other healthcare providers, both regionally and nationally; members can access services both within and outside of a network, with the latter generally being at higher cost to the member.
Vision Insurance Employees receive vision care benefits through a single vision plan, offered through Blue View Vision Plus.
Dental Insurance Employees may choose from three different plans: (1) DeltaCare USA HMO (2) Delta Dental PPO (3) Delta Dental Preventive Only
The HMO option provides dental care through a network of dentists; the PPO option makes dental care available both inside and outside of a dental care network; the preventive-only option covers only preventive services.
Life Insurance LAwell provides a base life insurance policy through The Standard Insurance Company; employees also have the option to purchase higher levels of coverage.
Disability Insurance LAwell provides a base policy through The Standard Insurance Company; employees also have the option to purchase higher levels of coverage.
Accidental Death and Dismemberment LAwell provides the option to purchase this coverage through The Standard Insurance Company.
Healthcare Flexible Spending and Dependent Care Reimbursement Accounts LAwell provides a tax-savings option to set aside money for eligible healthcare and day care expenses. Funds set aside in these accounts must be used in the calendar year and do not roll over to future years. Accounts are managed through WageWorks.
Support Plus LAwell provides an Employee and Family Assistance Program (EFAP) offering counseling services at no cost to the employee. Optum is the EFAP provider.