Retired Employees Health Insurance Information

Anthem Blue Cross HDPPO 1500

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.

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

Retireefirst (United American/UnitedHealthcare Rx)

• Medicare supplemental plans work with Medicare, pickup up costs remaining after Medicare.
• Enrollment into this plan requires enrollment into Medicare Parts A and B.
• Medical and mental health coverage is provided by United American.
• Prescription coverage is provided by UnitedHealthcare Rx.
• Vision coverage is provided by Vision Service Plan (VSP).

Kaiser Permanente Senior Advantage - High Option

• The High Option: This plan is called the "High Option," because it has higher monthly premiums, but lower copays for services.
• Our Medicare Senior Advantage plans work much like an HMO plan, where members have set copays for services.
• Enrollment into this plan requires enrollment into Medicare Parts A and B.

Kaiser Permanente Senior Advantage - Low Option

• The Low Option: This plan is called the "Low Option," because it has lower monthly premiums, but higher copays for services.
• Our Medicare Senior Advantage plans work much like an HMO plan, where members have set copays for services.
• Enrollment into this plan requires active coverage in Medicare Parts A and B.

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).

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

Dental Comparison Chart

1. If you use an out-of-network provider, you will be responsible for any charges above the maximum allowed amount. For out-of-network benefits, see plan summaries.
2. Copay may be required for upgraded materials/services.
3. After deductible is met.

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 enrollment into a Retiree health plan, enrolling an eligible dependent, and changing your plan options during those instances. Retirees who become Medicare eligible and wish to enroll into one of the County Medicare Supplemental or Senior Advantage options should contact Employee Benefits. As a reminder to retired participants, you may cancel your coverage or remove dependents throughout the year without a qualifying life event. 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.

Retirees that become newly eligible for Medicare Parts A and B will have the option to enroll into the Medicare Supplemental plan or one of the Kaiser Permanente Senior Advantage (KPSA) plans. The County Medicare plans have prescription drug coverage (Part D) included. Therefore, if you enroll in one of the County Medicare plans do not sign up for another Part D program as this will cancel your coverage through the County of Fresno.

Retirees that wish to enroll into the County Medicare plan will have thirty (30) days from the Medicare effective date to turn in the Retiree Health Insurance Application(DOC, 244KB), a copy of their Medicare card, and the applicable supplemental form (2023 UnitedHealthcare Enrollment Request Form(PDF, 529KB) or 2023 Kaiser Permanente Senior Advantage (KPSA) Election Form(PDF, 150KB)).

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.