CalPERS Benefits
Full-Time Faculty Employees
Cost of Coverage (Tenthly Rate Sheet):
Covered Dependents:
If you are adding a dependent, verification must be provided to HRbenefits@mtsac.edu.
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- Medical Plans
CalPERS Benefit Summaries
HMO Plans
Anthem Blue Shield- Blue Shield Access+ (2026) - Full Network
- Blue Shield Trio (2026) - Limited Network
- Sharp Performance Plus (2026) - San Diego Only
PPO Plans
The PERS PPO plans were previously administered through Anthem Blue Cross. Effective January 1, 2025, the plans will be administered by Blue Shield. For more information regarding plan changes, please review the PERS Gold and PERS Platinum Change Overview flyer.
Blue ShieldPERS Gold and Platinum Resources
- Included Health: Whether you need a new primary care doctor, have questions about a medical bill, or want an easy way to keep track of your insurance information, use Included Health as a first stop for comprehensive, personalized healthcare. For more information, please visit includedhealth.com/microsite/calpers/ or call 855-633-4436.
- Additional Included Health Services:
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- Checking if your current doctor is in-network
- Finding new providers or urgent care centers
- Coordinating care, particularly if you have complex conditions
- When you want a second medical opinion
- Accessing virtual primary care and behavioral health services
- Receiving 24/7 clinical advice from a nurse
- Tracking your deductibles, copays, and coinsurance
- Understanding your medical bills
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- UC Health System: Members can access providers, hospitals, and facilities in the UC Health system.
Included Health can help you find a provider and answer any questions you may have.
Listed below are the medical groups within the UC Health system.
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- UC Davis Health
- UC Irvine Health
- UC Los Angeles Health
- UC Riverside Health
- UC San Diego Health
- UC San Francisco Health
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Prescription Coverage
- Dental Plans
- Vision Plan
- MetLife Supplemental Life Insurance Plan
- Supplemental Health Insurance and Finanical Benefits
Mt. San Antonio Community College District has partnered with American Fidelity Assurance Company to provide eligible employees with supplemental insurance products, financial services, and Section 125 Flexible Spending Account administration.
Section 125 Cafeteria Plan
The Section 125 Cafeteria Plan helps eligible employees reduce their taxable income by allowing certain benefit costs to be deducted from their paycheck before federal and, where applicable, state taxes are calculated. By paying for eligible expenses with pre-tax dollars, employees can lower their taxable income and potentially increase their take-home pay.
The Section 125 Cafeteria Plan includes the following options:
- Dependent Care Flexible Spending Account (DFSA): Pay for eligible dependent care expenses with pre-tax dollars.
- Health Flexible Spending Account (FSA): Set aside pre-tax funds to pay for eligible unreimbursed medical, dental, and vision expenses.
- American Fidelity FSA Eligibility List: Review the list of eligible expenses that can be reimbursed through your Flexible Spending Account: https://americanfidelity.com/claims/fsa-hsa-eligibility-list/
Retirement and Annuities
The District offers voluntary retirement savings options through payroll deduction. Eligible employees may elect to participate in the following plans, subject to plan eligibility and applicable contribution limits.
- 403(b) Tax-Deferred Annuity: Contributions are deducted from eligible earnings on a pre-tax basis, and investment
earnings grow tax-deferred until withdrawn.
- Roth IRA: Contributions are made with after-tax dollars. Qualified withdrawals may be tax-free,
subject to applicable IRS rules.
- After-Tax Annuity: Contributions are deducted from eligible earnings on an after-tax basis and invested according to the selected plan.
Supplemental Insurance Options
The supplemental insurance products listed below are voluntary and are 100% employee-paid. Enrollment is optional, and premiums are paid by the employee through payroll deduction.
- American Fidelity Benefits Overview
- Accident Insurance
- Cancer Insurance
- Critical Illness Insurance
- Disability Income Insurance
- Long-Term Disability Income Insurance
How to Enroll
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Eligible newly hired employees will be eligible to enroll through American Fidelity at time of benefits onboarding.
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Eligible employees may enroll during annual enrollment** and will be notified by the Benefits office of the dates and times.
*Employees must be eligible for health benefits to enroll in the services and benefits offered by American Fidelity Assurance Company. Please contact Benefits to determine whether or not you are eligible for health benefits.
**Changes to an election plan during the plan year can only be made if an employee experiences an allowable election change event. - Employee Assistance Programs
Employee Assistance Service for Education (EASE) Program
EASE is a specialized program available to employees - paid for by the District (no charge to you). EASE services are not only for you but also for your immediate family members. For detailed information regarding the EASE Program, please click the following link: EASE Program Flyer.
The program offers confidential help (no charge to you) for matters such as:
- Family troubles with spouse or children
- Emotional distress
- Drug/alcohol problems
- On-the-job anxieties and stress
- Grief, loss, and transitions
- Legal and Financial Referrals
MetLife Grief and Beneficiary Support
- AB 528 Continuation Coverage Rights
At time of retirement, certificated employees who lose their eligibility to continue their dental benefit plan can elect to continue coverage under AB 528.
- Medical Plans
