Health, Dental, Vision, FSA, Life, Legal

A comprehensive benefits package is offered to eligible employees, that may consist of Health, Dental, Vision, Flexible Spending, Life and Legal Insurances. The Human Resources Benefits Team is available for any questions or concerns via phone at 951-826-5639 or email at citybenefits@riversideca.gov Monday to Friday from 8:00am to 5:00pm (with holiday exceptions)

2020 Rate Sheets

We encourage you to use on-line resources and toll-free provider numbers to obtain answers to questions from Plan Providers (e.g. Kaiser, Blue Shield of California, Delta, Local Advantage, and VSP) directly. You can obtain provider contact information by accessing the Provider Directory page. Specific problems or questions (e.g. billing) that cannot be addressed by the plan providers should be sent via email to citybenefits@riversideca.gov or by calling (951) 826-5639.

Health Plans

For benefitted employees, the City offers Medical plans that are provided through Kaiser Permanente and Blue Shield California. Each medical plan offers range of benefits to employees and their families.

You can review each medical plan’s benefit summary and access the Provider website by utilizing the links below.

Kaiser

Kaiser 15 Plan (HMO)

Kaiser 30 Plan (HMO)

Kaiser Additional Information

Kaiser Microsite

Blue Shield California

Blue Shield Microsite
Blue Shield Open Enrollment Video

Blue Shield 15 Plan (HMO)

Blue Shield 20 Plan (HMO)

Blue Shield PPO Plan

NEW! - Blue Shield Trio 20 Plan (HMO)

Blue Shield HMO Additional Benefits

Mandatory Notices

Dental Plan

For benefitted employees, the City provides a choice of three (3) dental plans which are provided by Delta Dental of California and Local Dental Advantage Plus. The three (3) choices include a DeltaCare (HMO), Delta Preferred Option (DPO) and Local Dental Advantage plan. Each dental plan offers a range of benefits for employees and their families.

Delta Preferred Option (DPO)

2020 Plan Summary

DeltaCare PMI/DHMO

Local Dental Advantage

2020 Plan Summary

Delta Dental & DeltaCare Notices

Vision Service Plan

Vision Service Plan (VSP) allows participants the option of seeing an optometrist from their extensive listing or to go out of network. Directories of the contracted providers are available. Only employees who are covered by one of the medical plans are automatically covered by VSP.

The Vision Service Plan enrollment packet contains complete details of benefits, coverage areas, and exclusions. The City of Riverside Human Resources Department and Vision Service Plan Member Services are also available to answer questions.

For more information, please contact VSP member services at (800) 852-7600 or visit the VSP website

Flexible Savings Account

The City's, Section 125 Flexible Spending Account for Out-of Pocket Health related expenses and Dependent care cost are administered by TRI-AD. This plan allows employees to redirect a portion of their salaries to pay for the qualified Health Care or Dependent Care expenses on a pre-tax basis.

The following Flexible Spending Account documents contain complete details of benefits and exclusions. Please contact the City of Riverside Human Resources Department or TRI-AD Member Services for additional questions.

Options

Health Care out-of-pocket expenses such as co-pays, prescriptions, deductibles, etc., that are not covered by insurance can be claimed (please refer to the TRI-AD FSA Brochure for details). The maximum that employees can elect on out-of-pocket Health related expenses is $2,700.

Child and dependent care costs for qualified individuals. Tuition costs for private schools are excluded. The maximum contribution is $5,000 per year. Claim forms are available in Human Resources and should be submitted be submitted to TRI-AD directly.

There is a monthly fee of $6.00 for enrolling in one or both FSA plans.

Calculate

Employees should calculate anticipated costs carefully.

Amounts not claimed by the end of the year for Dependent Care will be forfeited.

Amounts left in a Health Flexible Spending Account, up to $500 may be carried over into the next plan year. There is a monthly administration fee of $6.00 applied for any balances that are carried over into the next plan year.

Once an employee signs up to participate in the plan, he/she cannot stop or change contributions unless they or a dependent experiences a material change in economic circumstances.

These are provisions under Section 125 of the IRS Code. Questions regarding qualified deductions should be directed to TRI-AD at (888) 844-1372.

Enrollment

As a new hire, enrollment must be made within 30 days of the date of hire, using the Employee Online System.

The Out-of-Pocket Health Care and Dependent Care deductions are effective the first of the month following date of hire.

If enrollment is not completed within 30 days of hire, employees must wait until the next open enrollment period.

Active, benefitted employees, can enroll in a FSA plan during the Open Enrollment period using the Employee Online System. Coverage is effective January 1st.

Changes

Per Section 125 of the IRS Code, once started, this plan cannot be stopped or changed unless:

The employee and/or a member of his or her family experiences a "material economic change."

The employee separates service from the City of Riverside.

Documents

Additional Life Insurance

This is a City-paid life insurance plan through Standard Insurance and is available to benefitted employees only. The value of the life insurance may differ between bargaining units; please refer to the Life Insurance Highlights. Additional life insurance coverage is available to all benefitted employees and eligible dependents; for more information please review the brochure below.

Enrollment is automatic for benefitted employees.
Beneficiary Designation can be completed via the Standard Online portal. Employees may change beneficiaries at any time.

The City of Riverside Human Resources Department and Standard Insurance Member Services are also available to answer questions.

Legal Service Plan

The City of Riverside is excited to offer LegalGUARD; an affordable optional legal insurance plan underwritten by Nationwide that protects members from unexpected personal legal issues.

Benefits are designed to meet the typical needs of an employee and their family. There are no deductibles to worry about for covered services. Benefits cover the attorney’s time. Other costs such as filing fees or court costs are not covered. Please visit the LegalGUARD website for a list of matters that are covered and detailed plan information. This plan offers the convenience of in-network and out-of-network benefits.

Plan Cost

The LegalGUARD Plan is only $17.54 per month, via payroll deduction. Deductions are after-tax.

Who's Covered?

The Member’s spouse, or domestic partner, the parents of the Member or their Spouse, and Member’s unmarried dependent children, including stepchildren, legally adopted children, children placed in the home for adoption and foster children, up to age 19, and from age 19 up to 26 years if they are enrolled in an accredited school or college as full-time student(s) and are primarily dependent upon the Member for support.