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.

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 PPO 250

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 for the plan year, starting December 12, 2022.

  • 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 3000

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, 2023.

  • Medical, mental health, and prescription coverage is through Anthem Blue Cross.
  • 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!

Notice of Direct Contract between SJVIA and CMC

Community Health System has entered into a direct contract with San Joaquin Valley Insurance Authority (SJVIA), a joint powers authority between the County of Fresno and County of Tulare where health insurance is purchased.

This direct contract means that SJVIA members, including County of Fresno employees, can receive services provided at Community Medical Centers’ hospitals and Community Health Partners’ practices at in network rates and will be retro-active to January 1, 2023.

What do I need to do to access services?

Provide your County of Fresno Anthem card when accessing services. Provider locations will confirm members are covered under this new agreement by looking at the Group Number prefix – 275341. CMC physicians were made aware of the direct contract and have been advised on how to confirm coverage; letter is linked below.

County of Fresno – Human Resources, Employee Benefits would like to thank the SJVIA for their efforts in putting this direct contract in place while Anthem and Community Health System continue to negotiate towards an agreement.

SJVIA Direct Contract Announcement to Providers(PDF, 82KB)

Kaiser Permanente HMO

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.

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 visit the Qualifying Events & Changes Permitted page, or contact Employee Benefits for clarification.

Please visit the Employee Benefits forms page 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