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Health Benefit Programs

 
Medical
Medical Insurance coverage for eligible Cal Maritime employees is administered by the California Public Employee's Retirement System (CalPERS). CalPERS offers a variety of plan choices.
 
There are two types of plans to choose between:
 
HMO - Health Maintenance Organization 
Requires you to receive care through a network of providers. You must select a primary care physician, who is responsible for coordinating your health care, including referrals to specialists. 
 
PPO - Preferred Provider Organization
Lets you choose from a network of preferred providers. A primary care physician is not required and no referrals are necessary for other in-network providers. You pay more to use an out-of-network provider. 
 

Comparisons, Rates and Providers

Forms

  • Benefits Enrollment/Change Form
  • Declaration of Health Coverage 
  • Benefits Accounts Receiveable (A/R) Form Your benefits enrollment will result in payroll deductions. Due to limitations at the State Controller's Office (SCO), the deductions may be delayed resulting in an Accounts Receivable (A/R) to cover the correct health deduction payment.  The total amount of the A/R will be based on the employee portion of the monthly health plan premium for each month deductions are withheld.  The gross amount of the A/R is unknown at this time. Please contact Marie Hernandez, Payroll Coordinator, at 707.654.1138 if you have any questions. 
     

Effective Date of Coverage
If you enroll on or before the last day of the pay period in which you are appointed, the effective date of medical coverage will be the first day of the following month.

Enrollment Period
You have 60 calendar days from your appointment date to enroll in benefits.

 

Dental
 
Eligible CSU employees and dependents may enroll in dental coverage that is currently paid by the CSU. Premiums are generated through the payroll process and are paid on a monthly basis. Two plans are available: Delta Dental (indemnity plan) and DeltaCare USA (prepaid plan).
 
Delta Dental PPO (Indemnity Plan)
The CSU Delta Dental PPO Dental Program is an indemnity plan under the Delta Dental Plan of California. There are three benefit levels in this plan: basic, enhanced level I and enhanced level II. The plan sets the limits that it will pay for each specific type of dental treatment. Members are responsible for paying any remaining balance that might be due based on the type of dental treatment they receive.
 
Employees enrolled in the indemnity plan have the option of selecting a dentist of his/her choice from either the Delta Dental Premier Network in California, or a non-Delta dentist. Within Delta's Premier network, there is a select group of dentists who also are members of the Delta Dental PPO network. Dentists in the PPO network have agreed to charge significantly lower fees than other dentists, and employees who select a dentist from the Delta Dental PPO network will pay less out-of-pocket expenses and could save an average of 23 - 30% on most services. Additional information is detailed in the Delta Dental Comparison brochure.
 
DeltaCare USA (Prepaid Plan)
There are two benefit levels in the prepaid plan: basic and enhanced. The prepaid plan requires the employee and their eligible dependents to use a dentist from a specific list of dentists who contract with the selected prepaid carrier. Most basic services are covered at low or no cost.
 
For additional information, please refer to the Delta Dental CSU specific website or the appropriate CSU collective bargaining agreements.
 

Vision

CSU Vision Plan - Basic
Under VSP, the following vision benefits are available to eligible CSU employees:
  • In-network frame allowance - $95;
  • Out-of-network frame allowance - $60;
  • In-network contact lens allowance - $120;
  • Polycarbonate lenses are covered for dependent children in-network up to age 23, instead of age 12; and
  • Discounts of approximately 15% for laser correction surgery are available
CSU Vision Plan - Premier
All CSU active employees eligible to participate in the CSU VSP Basic Plan are eligible to enroll in the Premier Vision Plan for a small monthly employee cost share. The Premier Vision Plan enables you to get a higher allowance for frames and contacts, fully covered standard progressive lenses, and more discounts.
 
The CSU will continue to contribute $7.47 towards the monthly premium which appears as a vision deduction on pay warrants. If the employee chooses the​ Premier Plan, the additional cost will be deducted directly from their pay warrant. Premier Plan will be administered by VSP.
 
If the employee elects the Premier Plan, any dependents they wish to cover must also be enrolled into the Premier Plan coverage. Employees cannot choose to enroll in both the Basic and Premier vision plan coverage at the same time, or split their enrollment leaving any dependents on the Basic Vision Plan. Eligible employees must enroll through VSP directly.
  • In-network frame allowance - $200;
  • Costco frame allowance - $110;
  • In-network contact lens allowance - $200;
  • Polycarbonate lenses are covered for dependent children in-network up to age 23, instead of age 12; and
  • Frames/lenses/contacts every calendar year
VSP Online Access
Employees can complete an online member registration enrollment to create a user identification (ID) and password, for the purposes of viewing his/her vision benefits at www.vsp.com.  VSP will require the employee's SSN to verify eligibility.  

 


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