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Health Benefits and HSA info.

Annual OPEN ENROLLMENT for medical, dental, vision insurance coverage and flexible spending accounts is conducted each May with an effective date of July 1.  The Open Enrollment period is an opportunity to change medical carriers, plans and/or change dependent coverage.

RJUHSD Benefit Guide, including 2024-25 Annual Notices

Health Benefit Rate Sheets 2024-25: 

Medical Plans 2024-25

Sutter Health (four plans offered):
Sutter HMO
$25 CoPay Primary Dr., $50 CoPay Specialist Dr.
Sutter DHMO ML86 Plan
$20 CoPay Primary Dr., $20 CoPay Specialist Dr.
Hospital, emergency room and/or outpatient surgery services are subject to a deductible:
$1,000/Individual
$1,000/Individual within the family
$2,000/Family
Not HSA-eligible plan
Sutter Mid High Deductible HMO (HSA eligible) 
Annual deductible: 
$1,600/Individual
$3,200/Individual within the family  
$3,200/Family
Sutter High Deductible HMO (HSA eligible) 
Annual deductible: 
$2,500/Individual
$3,200/Individual within the family
$5,000/Family 

Western Health Advantage (four plans offered):
Western HMO
$25 CoPay Primary Dr., $50 CoPay Specialist Dr.
Western DHMO 1000-20-20 % Plan
$20 CoPay Primary Dr., $20 CoPay Specialist Dr.
Hospital, emergency room and/or outpatient surgery services are subject to a deductible:
$1,000/Individual
$1,000/Individual within the family
$2,000/Family
Not HSA-eligible plan
Western Mid High Deductible HMO (HSA eligible) 
Annual deductible: 
$1,800/Individual
$3,200/Individual within the family  
$3,600/Family
Western High Deductible HMO (HSA eligible) 
Annual deductible: 
$2,800/Individual
$3,200/Individual within the family  
$5,600/Family
 
Kaiser (four plans offered):
Kaiser HMO 
$25 CoPay Primary Dr., $50 CoPay Specialist Dr., plus Optical and Chiro
Kaiser DHMO
$20 CoPay Primary Dr., $20 CoPay Specialist Dr., plus Optical and Chiro
Hospital, emergency room and/or outpatient surgery services are subject to a deductible:
$1,000/Individual
$1,000/Individual within the family
$2,000/Family
Not HSA-eligible plan
Kaiser Mid High Deductible HMO (HSA eligible) 
Annual deductible: 
$2,000/Individual
$3,200/Individual within the family
$4,000/Family
Kaiser High Deductible HMO (HSA eligible)
Annual deductible: 
$3,000/Individual
$3,200/Individual within the family
$6,000/Family
 
Full Plan Summaries of Benefits & Coverage (SBC's) for Kaiser, Sutter Health and Western Health plans
 
Delta Dental Premium Insurance 
The dental coverage plan for the family is paid 100% by the district and is only available with the employee's participation in medical coverage. 
Delta Plan
Support for Chronic Conditions
 
VSP Vision Care 
Voluntary participation of Kaiser HD, Sutter Health Plus and Western Health Advantage subscribers.  Employee only coverage.  VSP Plan
 

Health Savings Account (HSA) with High Deductible Plans

Employees who choose a High Deductible Health Plan qualify to open a Health Savings Account (HSA).  An HSA allows pre-tax dollars to be set aside for health-related expenses.  The tax year individual plan maximum limits are listed on the Salary Reduction Form linked below.  Additional catch-up contributions are allowed for subscribers over the age of 55. The District’s pre-tax HSA payroll deduction is administered through Optum Bank.*  Please note: Unused HSA funds are non-refundable. HSA funds continue to earn interest and are carried forward to subsequent years for health-related expenses. The funds can be used in retirement years for qualified medical expenses.
Optum HSA Salary Reduction Form Monthly HSA contribution amount may be changed at any time throughout the year.
Optum Bank HSA Enrollment Form Optum Bank's monthly fee waived when enrolled in High Deductible Health Plan.
 
* Individual HSA's may be available through an employee's bank, however, the contribution will not be an automatic district payroll deduction.  If interested in a non-Optum Bank HSA, please inquire with your banking institution.
 

Forms to Complete (ONLY for new hires OR if an employee declines/waives coverage):

SIG Enrollment Form plus your chosen Provider's enrollment form:  

OR, if applicable, SIG Waiver of Coverage Form