Stay Healthy with Medical Coverage
Nothing is more important than the health of you and your family. That is why West Valley-Mission Community College District offers you medical plan choices designed to help you get the care you need at a price you can afford. You have the choice to enroll in an HMO or a PPO plan offered through CalPERS. Available medical plans include the following:
Medical Plan Information
2022 CalPERS Health Benefit Summary
2023 CalPERS Health Benefit Summary
CalPERS Health Program Guide
CalPERS Summary of Benefits & Coverage (SBC) Information - 2022
2023 CalPERS Summary of Benefits & Coverage (SBC) Information
CalPERS health webpage
Medical Plan Forms & Documents
CalPERS Medical Enrollment Form HBD-12
CalPERS Medical Form HBD-12 Instructions
Affidavit of Domestic Partnership
Affidavit of Parent-Child Relationship
Frequently Asked Medical Questions
Q: Will there be a deduction taken from my paycheck for my medical coverage?
A: The district provides a set annual contribution amount towards your benefits based on your medical coverage tier (Employee only/Waive, Employee +1, Employee +2 or more). The district contribution is applied towards your medical, dental, and vision coverage. Please refer to the "Health Plan Options and Costs" sheet (available on the Benefits Home tab) specific to your employee group for more detailed information.
Q: How does my plan work?
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 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-insurnace amount and the plan pays the balance up to the allowable amount.
Q: Can I choose my doctor?
A:
HMO - When enrolling in an HMO plan, you must select a Primary Care Physician (PCP) from a list of "in-network" doctors. The PCP will direct all of your care and will provide you with a referral if you need to see a specialist.
PPO - Yes, you can choose any doctor you prefer. However, you will save money if you choose doctors who are "in-network". You also have the freedom to see a specialist without a referral.
Q: How do I find participating providers who are on my plans?
A: Please refer to pages 20 and 21 of the Benefits Overview Guide, available on the Benefits Home tab.
