COBRA Participants

COBRA Participants

The Consolidated Omnibus Budget Reconciliation Act (COBRA) is the Federal Law that allows you and/or your covered dependent(s) to continue your health insurance coverage in the event of loss of coverage. If elected, COBRA coverage is a way to continue your County of Fresno coverage at rates that no longer factor in the County contribution amount. Participants may elect up to 18 months of Federal COBRA coverage, which includes medical, prescription, dental, and vision. After that period, participants may elect up to 18 months of Cal-COBRA, which includes medical and prescription coverage; however, dental and vision is excluded. Federal COBRA and Cal-COBRA coverage can be canceled at any time. For additional information about Federal COBRA and Cal-COBRA please visit the U.S Department of Labor Continuation of Health Coverage page. 

COBRA Rate Sheet

Medical and Dental Plan Information

Anthem Blue Cross

Anthem Blue Cross EPO, EPO 500, or EPO 1000

EPOs, or Exclusive Provider Organizations, are copay based and only cover services performed solely by providers within their network (with the exception of emergency services). On this plan, you may self-refer to in-network specialists.

  • Medical and mental health coverage is through Anthem Blue Cross.
  • Prescription coverage is through EmpiRx.
  • Vision coverage is through the Vision Service Plan (VSP).

Anthem Blue Cross HDPPO 3300

HDPPOs, or High Deductible Preferred Provider Organizations, have high deductibles and low premiums. As with other PPO plans, they allow you to use out-of-network providers, but at a higher rate. The deductible period for this HDPPO plans is based on the calendar year, starting January 1, 2025.

  • Medical and mental health coverage is through Anthem Blue Cross.
  • Prescription coverage is through EmpiRx.
  • Vision coverage is through Vision Service Plan (VSP).

Is Your Doctor In the Anthem Network?

Visit Anthem’s Website today and follow this pathway:

  1. Providers > Provider Resources > Find a Doctor
  2. From here, you can search as member or search as guest.
    • How do you get insurance? Through my employer
    • What state do you want to search in? Choose the State
    • What type of care are you searching for? Medical
    • Select a plan/network: EPO (it should be about 6 down on the list)
  3. Finally, use the search engine to look for your doctor!

 

Kaiser Permanente

Kaiser Permanente HMO

HMOs, or Health Maintenance Organizations, are copay based and cover services performed solely by providers within their network (with the exception of emergency services).

  • Medical, mental health, prescription, and vision coverage are all through Kaiser Permanente.

Kaiser Permanente HDHP

NEW this year! The County of Fresno is pleased to offer an additional health plan option, Kaiser Permanente High Deductible Health Plan, for employees and their families. With this plan you will pay the full cost of non-preventive health care services until you meet the annual deductible. Once the out-of-pocket maximum is reached, the plan will pay the full cost of all qualified health care services for the remainder of the calendar year. With this plan you must use Kaiser facilities and providers for your medical, vision, and pharmacy needs. Services received outside of the Kaiser network are not covered, except in the case of emergency medical care. 

  • Medical, mental health, prescription, and vision coverage are all through Kaiser Permanente.

 

 

Dental Plans

Delta Dental DPPO

PPOs, or Preferred Provider Organizations, allow you to use out-of-network providers, but at a higher rate. The deductible period for this PPO plan is based on the calendar year.

DeltaCare USA DHMO

HMOs, or Health Maintenance Organizations, are copay based and cover services performed solely by providers within their network (with the exception of emergency services).

 

Dental Plan Option Comparison Chart

Service Delta Dental DPPO DeltaCare USA DHMO
Annual Deductible $50 Per Individual
$150 Per Family		 No Deductible
Maximum Benefits Allowed $2,500
Per Individual Per Year		 No Annual Maximum
Preventative Services PPO Provider: 0%
Non-PPO Provider: 10%		 $0 for Most Services
Basic Services PPO Provider: 10%
Non-PPO Provider: 10%		 $0 for Most Services
A copay may be required for upgraded materials and services
Major Services
(Including Periodontics, Endodontics, and Oral Surgery)		 50% $0 for Most Services
A copay may be required for upgraded materials and services.
Orthodontia (Adult) $1,880 Copay* $1,900 Copay
Orthodontia (Child) $1,660 Copay* $1,700 Copay
Additional Orthodontia Information *Once per lifetime With a maximum of 24 months of treatment. Pre and post-treatment services have additional copayments.

Visit deltadentalins.com to search for an in-network provider.

Qualifying Life Events

Health Plan Changes

Employees experiencing a qualifying life event outside of the Open Enrollment period have thirty (30) days from the event date to turn in the required forms and supplemental documentation to Employee Benefits. Applicable changes may include enrolling an eligible dependent and changing your plan options during that instance. As a reminder to COBRA participants, you may cancel your coverage or remove dependents throughout the year without a qualifying event, through anyone removed from the plan is ineligible to continue that COBRA coverage once they cancel the plan. For more information please contact Employee Benefits for clarification.

Please contact Employee Benefits to obtain necessary forms for any applicable qualifying life event. 

Please note, Employee Benefits is not responsible for lost/delayed forms sent through the mail and therefore not received by the deadline. To confirm receipt of forms and/or supporting documentation, please contact Employee Benefits.

 

 

 

Contact Information

Human Resources - Employee Benefits
2220 Tulare St., 14th Floor
Fresno, CA 93721

(559) 600 - 1810
(559) 455 - 4787 - Fax
HRBenefits@fresnocountyca.gov

Office Hours
Monday - Friday
8am - 5pm

Important Notices

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