OPEN ENROLLMENT 2023
November 1 - November 18, 2023
Open Enrollment Season is here! Open Enrollment is the time to select your benefit choices for 2023. The City will be accepting Open Enrollment changes in Employee Online from November 1 through November 18 at 5pm.
- All Blue Shield and Kaiser plans experienced a rate increase. Please review your corresponding bargaining unit rate sheet for premium information
- NEW! Critical Illness Insurance: The City of Riverside is excited to offer Critical Illness Insurance; a voluntary insurance plan that pays the insured a lump sum benefit upon the diagnosis of a covered critical condition including heart attack, cancer, stroke, renal failure, organ transplant, infectious disease, and more. Critical Illness insurance enrollment is voluntary and paid at the expense of the employee. To apply for Critical Illness Insurance, view rates and make changes to your existing policy, go to the Standard Website
Please click on the Benefits Providers Directory to obtain answers to questions from Plan Providers (e.g. Kaiser, Blue Shield of California, Delta, Local Advantage, and VSP) directly. Specific problems or questions (e.g. billing) that cannot be addressed by the plan providers should be sent to the Benefits Division below firstname.lastname@example.org or by calling (951) 826-5639.
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 15 Plan (HMO)
- 2023 Kaiser Summary of Benefits HMO 15
- 2023 Kaiser HMO 15 Chiropractic Benefit
- 2023 Principal Benefits HMO 15
Kaiser 30 Plan (HMO)
Kaiser Senior Advantage Plans (RETIREES ONLY)
- 2023 Kaiser 10 Senior Advantage Plan (with Medicare Part D)
- 2023 Kaiser 15 Senior Advantage Plan (with Medicare Part D)
Kaiser Additional Information
Blue Shield 15 Plan (HMO)
Blue Shield 20 Plan (HMO)
Blue Shield PPO Plan
Blue Shield Trio 20 Plan (HMO)
Blue Shield HMO Additional Benefits
- Medicaid and the Children's Health Insurance Program (CHIP CHIPRA)
- Medicare Part D Creditable Coverage Notice
- Notice of Special Enrollment Rights
- Notice of Marketplace Coverage Options
- Patient Protections Disclosure
- Women's Health and Cancer Rights Act (WHCRA)
- Wellness Program Disclosure
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.
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.
Tri-Ad Virtual Benefits FairClick Here
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.
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 $3,050.
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.
Employees should calculate anticipated costs carefully.
Amounts not claimed by the end of the year for Dependent Care will be forfeited.
Once an employee signs up to participate in the plan, he/she cannot stop or change contributions unless the employee, 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.
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.
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.
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.
- Benefitted employees are automatically enrolled in basic life insurance coverage
- Additional life insurance enrollment is voluntary and paid at the expense of the employee
- Beneficiary Designation can be completed via the Standard Online portal. Employees may change beneficiaries at any time
To apply for Additional Life Insurance or make changes to your existing policy click here to go to the Standard's website. You will be redirected to The Standard's website and must create a user account if it is your first time accessing the site. For the initial log-in, your username is your employee ID number and your password is the last four digits of your social security number and the last two digits of your birth year.
The Standard Insurance Member Services phone # is 800-368-1135. The Riverside Human Resources Department can be reached at 951-826-5639 and 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.
The LegalGUARD Plan is only $17.54 per month, via payroll deduction. Deductions are after-tax.
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.
Critical Illness Insurance
The City of Riverside is excited to offer Crital Illness Insurance; a voluntary insurance plan that pays the insured a lump sum benefit upon the diagnosis of a covered critical condition including heart attack, cancer, stroke, renal failure, organ transplant, infectious disease, and more.
Medical insurance alone can’t stop a major diagnosis from draining an employee's finances. Copays, deductibles, alternative treatments — these unexpected expenses add up quickly. Critical Illness insurance gives you an affordable option for easing the financial burden that can come with a serious illness. Under this plan, children are covered automatically at no extra cost.
Critical Illness insurance enrollment is voluntary and paid at the expense of the employee. To apply for Critical Illness Insurance or make changes to your existing policy CLICK HERE to go to the Standard's website. You must create a user account if it is your first time accessing the site. For the initial log-in, your username is your employee ID number, and your password is the last four digits of your social security number and the last two digits of your birth year.
The Standard Insurance Member Services phone # is 800-368-1135. The Riverside Human Resources Department can be reached at 951-826-5639 and are also available to answer questions. Critical Illness insurance is available to all benefitted employees and eligible dependents; for more information, please review the brochure below.
- 'What Is' Critical Illness Insurance Video Presentation
- Group Critical Illness Insurance Certificate
- Critical Illness Plan Summary
- Health Maintenance Screening Cash Benefit
- Critical Illness Claim Form
- Health Maintenance Claim Form
- How to File a Claim & FAQ's
- How to Enroll in Critical Illness Insurance
Frequently Asked Questions
Open enrollment will take place November 1 through November 18, 2022. All benefit changes and/or new enrollments must be submitted using the Employee Online system no later than 5:00 p.m. on Friday, November 18, 2022.
Open Enrollment changes, including medical and dental plan changes, dependent additions/deletions, health opt-out, and Flexible Spending Account will have to be done through the Employee Online system.
The Open Enrollment Employee Online system is accessible through the City’s intranet or through the City’s internet (www.riversideca.gov). From the City’s internet, first click on 'Services', then 'Online Services' link, and then on the 'Employee Online' link. From the intranet page, you must click on the “Employee Online” link.
Your login is your 5 digit employee identification number. If you have forgotten your password and have an e-mail on file, you can utilize the “I forgot my password” link located on the main login screen. A temporary password will be e-mailed to the e-mail address on file. You can also contact the IT Help Desk at (951) 826-5508 during normal business hours (M-F, 8-5) to have it reset.
If you are on an approved leave of absence during the Open Enrollment period you can still access the Employee Online system through the City’s internet (www.riversideca.gov) under 'Services', then 'Online Services' link, and then on the 'Employee Online' link. If you need further assistance, please contact the Human Resources Benefits Team at (951) 826-5639.
If you are not making changes to your existing medical or dental plan, these plans will carry over to the 2023 plan year. If you participated in the Health opt-out program or Flexible Spending Accounts (FSA) during 2022 and wish to continue during 2023, you must renew your selection.
Yes, you may access the Open Enrollment system as many times as you need during the Open Enrollment period and make additional changes to any online changes submitted up until November 18th by 5:00 p.m. You must first delete any existing pending requests before you can submit a new one. Please contact Human Resources at (951) 826-5639 if you experience any problems.
Plan summaries and 2023 rate information for the various Health and Dental plans can be found on the Human Resources Benefits webpage under the “Open Enrollment” link.
Medical and dental premiums are paid a month in advance; therefore, benefit premiums for 2023 will be reflected on your first paycheck in December.
Any plan changes made during the Open Enrollment period to your medical and/or dental coverage, critical illness insurance, and flexible spending accounts will be effective January 1, 2023. Coverage effective date for Additional Life Insurance and Long Term Disability will vary based on the completion of the medical underwriting process (as applicable).
You will need to submit your address changes through the Employee Online system. Once you have accessed the system, under Personal Information, click on "Home Address", click on "Update Record", make any necessary changes and click submit.
If you miss the Open Enrollment deadline to submit changes to your medical and/or dental plans, add eligible dependents, or enroll in Flexible Spending (FSA) you will need to wait until next year's Open Enrollment season to make these changes; unless you experience a Qualifying Event.
If you have a Qualifying Eventduring open enrollment (November 1 to November 18th), you may add eligible dependents to your medical and/or dental plan within 30 days of your qualifying event. Please note that qualifying events during open enrollment are handled separately from Open Enrollment changes. Coverage effective date for Qualifying Events will be sooner than 01/01/22, the effective date will be determined by the qualifying event. To submit your request, you will need to complete paper enrollment forms (only for qualifying events during Open Enrollment); please contact the Benefits division at (951) 826-5639 or email email@example.com
Enrollment requests for Additional Life Insurance are accepted through The Standard's website. Employees interested in applying for Additional Life Insurance can access the link via the Standard's Web Portal system; simply click on "Add'l Life Ins" link.
Employees in the Fire and Police Units may enroll in LTD coverage through their respective associations. IBEW Field employees are automatically enrolled in LTD coverage.
Confidential employees hired on or after January 1, 2016, Executives, Management, Para-Professional, Sr., Professional, and Supervisory employees are eligible to enroll in LTD at any time. Requests must be submitted directly with The Standard and the link can be accessed through Employee Online by clicking on the LTD link.