For medical coverage, USF offers a choice of a Health Maintenance Organization (HMO) through Kaiser Permanente or a Preferred Provider Organization (PPO) through Anthem Blue Cross. Refer to the HR Forms and Compliance Information web pages for a summary of benefits, evidence of coverage, and claim forms for each provider.
- Receive all medical, hospitalization and pharmacy services at Kaiser facilities
- Primary care physician refers you to specialists within Kaiser
- Lower premiums
- No deductible
- Low co-pay
- Out-of-pocket limit is $1,500 for individual, $3,000 for family
- Choose practitioners inside or outside PPO network; cost-sharing is higher if out-of-network
- No referral necessary from primary care physician for specialist services
- Higher premiums
- Annual deductible is $250 for individual, $750 for family
- Higher co-pay
- Out-of-pocket (in network) limit is $889 for individual
LiveHealth Online provides 24/7 access to U.S. board-certified physicians with an average of 15 years experience from an Internet-connected device (e.g. computer, tablet, or mobile phone) for non-emergency medical assistance. Anthem members may consult a doctor through LiveHealth Online for free, a savings of $49 per use.
USF offers a dental PPO plan through Delta Dental of California, giving you the freedom to visit any in-network or out-of-network dentist you choose. A higher out of pocket expense to the employee may apply if the dentist is not a Delta Participating Dentist.
This incentive plan rewards employees for going to the dentist at least once a year. During the first year, the Delta Dental plan provides 70% of reasonable and customary charges on diagnostic, preventive, and basic dental work up to a maximum of $1,500 per year per participant. Coverage increases by 10% each year after until the fourth year when it reaches 100% if the benefit is used in each prior year. USF pays the full premium for employees and eligible dependents.
USF offers vision benefits through Vision Service Plan (VSP). The benefits of this voluntary plan include an annual eye exam for $20 and a capped allowance for frames and contact lenses every two years at participating providers. Premiums are subsidized and paid through payroll deductions.
San Francisco Healthcare Security Ordinance
USF employees who are not classified as full-time may be eligible for a health care expenditure under the San Francisco Health Care Security Ordinance (SFHSCO).