Employee Benefits

Health Benefits - Summary of Coverage and Benefits

Documentation Required to Enroll Dependents in Health Benefits

Health coverage is provided by Anthem Blue Cross
1-855-333-5730, www.anthem.com/ca/welcome.

MDLive provides 24/7/365 access to doctors and pediatricians anytime, anywhere through the following:
  • Online video (See a doctor using your computer over the Internet).
  • Phone call (No webcam? No problem! Talk to a doctor over the phone).
  • Secure e-mail advice (Ask questions and get advice privately using secure e-mail).
View more information about MDLive.

 

SISC No Cost Health Benefits 

Explore the no-cost wellness apps and services available through your SISC benefits, including Hinge Health, Talkspace, Centivo Care, Carrum Health, Vida Health, Teladoc Health, Costco Pharmacy, Maven, Midi Health, Lantern, Well Theory and other resources designed to support your physical, mental, and financial well-being.

Summary of Coverage of SISC No Cost Health Benefits

 

Lincoln Financial LifeKeys® and TravelConnect® Benefits 

LifeKeys®

LifeKeys® is a complimentary benefit available through Lincoln Financial that provides employees and their families with confidential resources to help navigate life's challenges, including financial and legal guidance, grief support, counseling referrals, estate planning assistance, and identity theft resources. These services are designed to support your overall well-being and are available at no additional cost.

TravelConnect®

TravelConnect® provides 24/7 travel assistance for employees and their eligible family members when traveling more than 100 miles from home. Services include emergency medical evacuation, transportation assistance, medical and legal referrals, lost document assistance, translation services, emergency travel arrangements, and other travel-related support to help keep you safe while away from home.

Health Insurance Marketplace Coverage Options and Your Health Coverage

To assist you as you evaluate options for you and your family, this notice provides some basic information about the new Marketplace and employment-based health coverage offered by the Tulare County Office of Education. Please note that this notice is informational only.

Prescription Benefits

TCOE employees and their eligible dependents who are enrolled in the employer-sponsored health plan are provided with prescription coverage which is administered by Navitus Health Solutions. Their telephone number is (866) 333-2757. Ninety-day and free generics are now available at Costco Walk-in Pharmacies, as well as through mail order. No Costco membership is required to utilize the pharmacy.

Dental Benefits

Dental coverage is provided by Delta Dental Premier. To receive the greatest value of benefits, services should be obtained from a participating network provider. To contact customer service for claim and benefit inquiries, call toll-free 1-866-499-3001 (Monday through Friday from 5 a.m. to 6:00 p.m. PST), or visit their website at www.deltadentalins.com.

Vision Benefits

Vision coverage is provided by VSP, 1-800-877-7195, www.vsp.com. To receive the greatest value of benefits, services should be obtained from a participating network provider.

Basic Life/Accidental Death & Dismemberment Insurance

All TCOE employees, regardless of working part-time or full-time, are eligible for term life insurance. This coverage is terminated on the last day of the month in which the employee resigns, retires, or is terminated; however, it may be continued at the individual's expense if converted to an individual policy. For additional information, contact Human Resources at 559-733-6306.

Voluntary Life Insurance - Voluntary Term Life Insurance Enrollment Form (Lincoln Financial)

All TCOE employees, regardless of whether they work part-time or full-time, are eligible to purchase additional life insurance.

What Your Benefits Cover

Employee Coverage – Guaranteed Life Insurance Coverage Amount

  • Initial Open Enrollment: When you are first offered this coverage, you may elect a coverage amount up to $250,000 without providing evidence of insurability.
  • If you decline this coverage initially and wish to enroll at a later date, evidence of insurability may be required and may be at your own expense.

Maximum Life Insurance Coverage Amount

  • You may elect coverage up to five (5) times your annual salary, with a maximum benefit of $500,000, subject to evidence of insurability. Please see the Evidence of Insurability page for additional details.
  • Your coverage amount will be reduced by 50% at age 70, with an additional reduction of 25% of the original coverage amount thereafter.

 

Long Term Disability

This plan is employer-provided for all classified, confidential, and classified management employees. The disability benefits are coordinated with sick leave paid by TCOE. Benefits begin on the 31st day of Total Disability due to a covered accident or illness. The plan pays a monthly disability benefit of 60% of your Monthly Compensation not to exceed: (1) a maximum monthly disability benefit of $3,600; (2) a maximum covered monthly compensation of $6,000; and (3) the amount for which premium is being paid.

The plan is administered by American Fidelity Assurance Company, 1-866-504-0010.

Employee Assistance Program

This free, confidential, professional service is available for you and eligible family members during those times when your personal problems seem to be taking control of your life and job performance. EAP provides problem evaluation, referral, and short-term intervention services for help in dealing with issues such as: stress, anxiety, and depression; divorce and separation; conflict in the workplace; care of elderly parents; alcohol or drug concerns; parent-child issues; family/relationship concerns; grief and loss; financial problems; life change; illness and disability; and domestic abuse.

IRS Section 125 Benefit Summary

The Section 125 Plan is administered by American Fidelity Insurance, www.afadvantage.com.

General Information 1-800-654-8489
Flex Account Administration 1-800-325-0654
Benefits 1-800-662-1113

This plan allows you, as a benefit-eligible employee, to improve your overall benefit plan and to help reduce the amount of taxes you pay.

  • Pre-Tax Medical Insurance Premiums
    If you pay for all or a portion of your medical, dental or vision insurance premiums through the office, you may pre-tax that amount, saving you approximately 25% on that money in taxes.
  • Unreimbursed Medical Expense Account and Dependent Day Care Account(s)
    If you pay for dependent care or medical/dental/vision or other qualified medical expenses that are not covered by insurance, you may be able to establish a tax-free account to pay for those expenses.
  • Improve Your Total Benefit Package
    You may enroll in certain other benefits to improve your overall benefit package. Some premiums may be pre-taxed, saving even more money while improving your protection. These additional benefits include: Accident Only Insurance, Annuities, Cancer Insurance, Disability Income Insurance, Flexible Spending Accounts, Life Insurance, Long Term Care Insurance and Variable Annuities.
Tulare County Office of Education
Tim A. Hire, County Superintendent of Schools
P.O. Box 5091
Visalia, CA 93278-5091
(559) 733-6300