Benefits

 Welcome

Welcome to the Benefits section of the Human Resources site.  Important information that applies across multiple plans is included below and through the tabs above.  Additional information regarding your specific benefit plan options can be found on the tabs to the left. 

​Overview Guide

Benefits Overview Guide (revised April 2018)

Cost Sheets

Health Plan Options and Costs - ADMIN BOT CONF POA SUPV WVMCEA 01-2018

Health Plan Options and Costs - Faculty 10 pay 04-2018

Health Plan Options and Costs - Faculty 11 pay 04-2018

Health Plan Options and Costs - Faculty 12 pay 04-2018

Important Documents

Summary Plan Description

Important Notices

Health Plan Important Notices

 Open Enrollment

September 10 - October 5, 2018. 

Changes effective January 1, 2019. 

Open Enrollment is the time to review your benefits to ensure you are enrolled in the appropriate coverage for you and your family. 

ACTION REQUIRED for all employees during Open Enrollment:

  • All employees must log into SmartBen (www.smartben.com) in order to designate beneficiaries for the new employer paid $50,000 life insurance benefit.

During this time you may also:

  • Change your medical, dental, and/or vision elections
  • Add dependents to your healthcare benefit elections
  • Re-Certify your cash in lieu status
  • Enroll in the FSA for 2019.  Despite your previous year's election, you will need to enroll or re-enroll in the Flexible Spending Account(s) in order to participate for the 2019 calendar year.
  • Make allowed changes to your MetLife Voluntary Life and/or Accidental Death and Dismemberment (AD&D) coverage.

All changes must be made online through SmartBen.  Please see below for login information and a step by step guide for making open enrollment changes.  Please review the Open Enrollment Memo in its entirety for specific plan change highlights.

Open Enrollment Documents

Open Enrollment Memo

SmartBen Open Enrollment Guide

SmartBen Login

Username: Your Banner ID.  For example, G01234567

Password: This is whatever you have chosen in the past.  If you cannot recall, use the Recover Password link.  When using the Recover Password option, you will need to enter your Username and your birthdate in this format: MM/DD/YYYY - you must include the forward slashes or it will not work.

Costs

Health Plan Options & Costs for Staff 2019

Health Plan Options & Costs for Faculty 2019

Cash-in-Lieu Requirements

Cash-in-Lieu Recertification Requirements

Plan Information

District Benefits Overview Guide 2019

Carrier Contact Information

Medical

CalPERS 2019 Health Benefit Summary (pages 16-23 have a side-by-side comparison of health plans)

CalPERS Health Plan Search by Zip Code (see which health plans are available to you based on your home or work address, please note we are a Public Agency/School)

Dental

Delta Dental PPO 2019 Plan Summary

Delta PPO 2019 New Group Number: 07128

DeltaCare HMO Plan Summary

Vision

VSP Vision 2019 Plan Summary

Employer Paid Life Insurance

Guardian Employer-Paid Life Insurance Summary 2019

Flexible Spending Accounts (FSAs)

FSA Summary

Voluntary Life and Voluntary AD&D

MetLife Voluntary Life/AD&D Summary

Other Notices

Health Plan Important Notices

2019 Summary of Benefits and Coverage Notice

Uniform Glossary of Health Coverage and Medical Terms

Still Have Questions?

Open Enrollment Office Hours (held from 9/10/18-10/5/18)

Employees may schedule a 20 minute appointment during these office hours by emailing Tracey Frizzell at tracey.frizzell@wvm.edu.  While you may also drop in during these hours, if you choose to do so, you may need to wait for other employees to finish their scheduled appointments.

Mission College, MT-18B

Tuesdays, 9am-11am, 2pm-4pm

West Valley College, HR Department

Wednesdays, 10am-12pm

Fridays, 1pm-3pm (no office hours Friday 9/21)

 FAQ

Frequently Asked Benefit Questions

Q. Will there be a deduction taken from my paycheck for my benefit coverage?

A. The district provides a set annual contribution amount towards your benefits based on your medical coverage tier (Employee only, Employee+1, Employee+2 or more, Waive). The district contribution amount is applied towards your medical, dental, and vision coverage. Please refer to the “Health Plan Options and Costs” sheet (available on the Welcome tab) specific to your employee group for more detailed information. The long-term disability coverage is fully paid by the district.  Voluntary plans (i.e. flexible spending accounts, life insurance, AD&D) are fully paid by the employee. 

Q. What documentation will I need to submit to add a dependent?

A. In addition to their basic information: 
  • Child dependent - birth certificate
  • Spouse - marriage certificate
  • Domestic Partner – Affidavit of Domestic Partnership and must meet all of the qualifications of a domestic partner under the state of California.

Q. What is the difference between an HMO and a PPO?

A. 
HMO - The Health Maintenance Organization (HMO) plans provide health care from specific doctors and hospitals under contract with the plan.  You pay co-payments for some services, but you have no deductible, no claim forms, and a geographically restricted service area.     
PPO - These plans operate as preferred provider organizations (PPOs).  A PPO is similar to a traditional "fee-for-service" plan, but you must use the doctors in the PPO provider network or pay higher co-insurance (percentage of charges).  You must usually meet an annual deductible before some benefits apply.  You're responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount.

Q. How do I choose my medical and dental plans to ensure that I select the best plan(s)?

A. First review the informational materials in your benefits packet and on the district website to evaluate which plans would meet you/your family’s current medical and dental needs. Some individuals prefer the convenience of having a co-payment and decide to choose an HMO plan. Others prefer to pay deductibles and coinsurance for the flexibility of going to participating and non-participating providers and therefore enroll in PPO plans. Regardless of which plans you choose, keep in mind that all of the plans, whether they are HMO or PPO, are designed to provide comprehensive health coverage to you and your family.

Q. When will I receive my benefit identification cards?

A. Medical plan and Delta Care HMO identification cards will arrive in 2-3 weeks from the date that you complete your enrollments in SmartBen. Delta Dental (PPO) and VSP – Cards are not issued by these carriers. Please provide your health care practitioners with your social security and your group number. 

Q. What if I’m not happy with the medical and/or dental plan? May I change my plans?

A. The opportunity to change our plans is offered during our open enrollment period which is held in the fall each year. Changes made during open enrollment will be for a January 1 effective date.

Q. May I extend my benefit coverage if I leave the District?

A. Yes, you have the option to continue your health care coverage through COBRA. Details on COBRA are mailed to your home address by our COBRA Administrator, Employee Benefits Corporation (EBC). 

 SmartBen

​SmartBen is our online enrollment tool that is available 24 hours a day, 7 days a week.  This system allows you to select your benefits as a new hire, during open enrollment, or if you experience a qualifying life event. (Please note that CalPERS medical, MetLife life and AD&D, and mid-year permitted FSA election changes still require paper forms).

SmartBen Login

As a reminder, your username is your employee ID number (also known as your Banner ID or your G#).  Your password is whatever you have chosen.  If you are not sure, please use the Recover Password feature.