What is SISC?
SISC stands for Self-Insured Schools of California. They are the largest health insurance pool in the United States. Pooling resources provides schools with a more stable long-tern insurance solution.
Why are we moving to SISC?
The cost to remain in Gold Coast Trust was just too high. Our current plan is $482 a month (opt out offset $379.90) and is predicted to rise to $575+.
Will this mean I need to find a new doctor?
In most circumstances no, we will continue to offer Kaiser and Anthem PPO as well as Delta Dental PPO and VSP. You will just need to update your coverage with your doctor's office.
Will we still have a composite rate?
Yes, you and your dependents will still be covered. You will want to start gathering your documents to validate your dependents, birth certificates for children and a tax return for a spouse, or marriage certificate for newly married who have not filed together.
What will it cost per month?
You will have 7 options to choose from. Plan details and informational webinars will be available soon. All of the plans available will be less than what you are currently paying.
When will this begin?
We will begin online enrollment with EASE as soon as mid June with an effective date of October 1, 2021.
I am currently an opt-out, do I have to opt-in? No, you can be grandfathered out. But we will have a no cost plan with increased dental benefits that may make it beneficial to opt in.
I am getting ready to retire, what about retiree benefits? You will still receive fully paid health benefits until age 65. Like Gold Coast, after age 65 the insurance shifts to a Medicare supplement plan. You will have a choice of plans (including spouse/dependents) and all will be fully paid.
We are transitioning in October, does that mean I will start my deductible over?
Yes, you will start over in October but it will not end December 31, 2021. The deductible will continue through all of 2022 and end December 31, 2022.