2021 Benefits Open Enrollment
September 21 - October 16, 2020
The 2021 Open Enrollment begins Monday, September 21, 2020, for the following employee groups:
- Academic Administrators
- Board of Trustees
- Classified Employees
- Classified Managers
- Confidential Employees
- Full-time Faculty
- Personnel Commissioners
- Police Officers
- Project Managers
During Open Enrollment, you may enroll, change, add or remove eligible dependents from your health benefits for the 2021 plan year. All changes made during Open Enrollment will be effective January 1, 2021. The deadline to make changes to your health benefits is Friday, October 16, 2020, by 5 p.m.
If you do not wish to make changes to your current health benefits (medical, dental, and/or vision), there is NO ACTION to complete. Your current plan elections will remain intact for the 2021 Plan Year.
2021 Benefit Plans Information
CalPERS Medical Plans
CalPERS Health Plans Changes for the 2021 Plan Year.
- There are NO CHANGES to co-pay, benefit services, or co-insurance for CalPERS Medical Plans in 2021.
- There is an increase to the Employee Cost for the CalPERS PERSCare PPO Plan for 2021.
|Coverage Level||2020 Tenthly Payroll Deduction||2021 Tenthly Payroll Deduction|
Employees enrolled in PERSCare PPO must pay the difference between PERSCare PPO and the second-highest CalPERS Medical Plan. The second highest CalPERS Medical Plan for 2021 is Anthem Blue Cross Traditional HMO.
The premiums for all other medical plans the District offers through CalPERS are 100% District paid. (Except for part-time employees, who will contribute according to their full-time equivalency for any health plan)
Note: Health premium contributions are deducted on a pre-tax basis. This means your premium contribution s are deducted from your paycheck prior to federal and state tax withholdings, thus reducing your taxable income. Employees may waive the pre-tax option by completing the Pre-Tax Health Premium Waiver Form.
- Anthem Blue Cross HMO
- Kaiser Permanente HMO
- Blue Shield HMO
- United Healthcare HMO
- Health Net of California HMO
- Optum RX Prescription Drug
- PERSCare, PERSChoice, PERS Select PPO
Delta Dental Plans
- There are NO CHANGES to Delta Dental PPO and HMO Plans for the 2021 Plan Year.
Delta Care USA HMO:
Delta Care USA HMO provides all reasonable and customary dental care if care is rendered by a selected Delta Care dentist. The participant must select a dentist/dental network upon enrollment. There is no cost for covered service except for co-payment on certain procedures.
Delta Dental PPO:
Delta Dental PPO has an annual maximum towards dental service of $2,000. Basic services, diagnostic & preventative care, and crowns & cast restorations are covered at 100% coverage level. Participants enrolled in the plan are able to see in-network and out-of-network dental providers.
VSP Vision Plan
- There are NO CHANGES to Vision Service Plan (VSP) for the 2021 Plan Year.
VSP provides for one Wellvision eye examination, one prescription eyeglass frame (up to $160 allowance) or contact lenses (up to $105 allowance) per 12-month period. When visiting a VSP provider, participants pay a $10 co-payment. If participants receive services from a non-VSP provider, it is a lesser benefit. The plan offers extra discounts and savings on additional glasses and sunglasses, contact lens, exams (fitting and evaluation) and laser vision correction.
Classified Employees, Full-Time Faculty, & Police Officers Only
Under the contract provisions for the District-CSEA, District-SMCFA, and District-SMCPOA, Classified Employees, Full-time Faculty, and Police Officers who have non-District medical coverage may opt-out of the District's medical plans and receive a cash-in-lieu benefit amount up to $2,000 per year. Classified Employees, Full-time Faculty, and Police Officers who are currently participating in the Cash-in-Lieu Program will need to renew their declination during open enrollment.
To enroll/renew in the Cash-in-Lieu Program, employees will need to complete the SMC Open Enrollment form and provide proof of continuing health coverage (i.e. copy of medical plan card). For more information, see the contract provisions below:
- Classified Employees: District-CSEA CBA Article 12.13
- Full-Time Faculty: District-SMCFA CBA Article 10.1.1
- Police Officers: District-SMCPOA Article 12.12
Section 125 Flexible Spending Accounts & Other Voluntary Benefits
(Ameriflex/ Colonial Life/ Pacific Educators)
Open Enrollment for Voluntary Benefits will be held between the period of October 5, 2020 - October 16, 2020.
Section 125-Flexible Spending Accounts (FSAs)
Ameriflex administrators Section 125 - Flexible Spending Accounts (FSAs). FSAs allow employees to set aside pre-tax dollars for out-of-pocket medical expenses and/or dependent care cost into a Health Care FSA and/or Dependent Day Care FSA. Employees who wish to enroll in an FSA or continue for the 2021 plan year will need to meet with a representative. Below are the annual plan maximums for 2021.
2021 FSA Plan Maximum
- Health Care FSA$2,750
- Dependent Day Care FSA$5,000
Other Voluntary Benefits Options:
You have the opportunity to review and apply for other voluntary benefits through Colonial Life and Pacific Educators. The following voluntary benefits are offered for purchase during the enrollment:
- Disability Insurance
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Accident Insurance
- Cancer Insurance
How to Enroll in Voluntary Benefits
Set-up an appointment with a representative to enroll in or learn about voluntary coverage options and Section 125 flexible spending accounts.
- For the 2021 plan year, there will be an additional employee administrative fee of $4.20 (tenthly) for FSA account(s).
- Employees currently enrolled in an FSA account(s) for 2020 and will like to continue their election into 2021, you must meet with a representative to re-enroll for the 2021 plan year.
- Employees who are enrolled in a 2020 FSA account(s) must submit all expenses to AmeriFlex by no later than March 31, 2021, for reimbursement. Unused funds up to $500 for the medical FSA account will carry over into the 2021 plan year.
- Registered Domestic Partner
- Children up to age 26 (natural, adopted, domestic partner's, or step)
- Children, up to age 26, if the employee has assumed a parent-child relationship and is considered the primary care parent
- Certified disabled dependent children age 26 and older
All Dependents enrolled in District-sponsored insurance are subject to verification of eligibility.
How to Enroll or Make Changes to Your Benefits
- Complete the SMC Open Enrollment Form
- Complete Health Plan Enrollment Form(s)
- If you are adding dependent(s), you must provide proof of dependent eligibility (i.e. birth certificate, marriage license, certification of domestic partnership, etc.)
- Return the enrollment forms and supporting documentation (if applicable) to the Office of Human Resources as a scanned attachment via EMAIL to BOTH Alysha LaScalza (firstname.lastname@example.org) and Lugina Rogers (email@example.com) scanned attachment must be sent from your SMC email.
- SMC Open Enrollment Form
- CalPERS Medical Enrollment Form
- Delta Dental Enrollment Form
- Vision Service Plan Enrollment Form
Deadline: Friday, October 16, 2020, by 5 p.m.
For additional information or if you have questions, please contact the Office of Human Resources:
Alysha LaScalza, Employee Benefits Coordinator - 310-434-4523 / firstname.lastname@example.org
Lugina Rogers, HR Analyst-Leaves & Benefits - 310-434-4060 / email@example.com