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Risk Management

Flexible Benefits Plan Options for Police Safety Members 2025

SDPOA LogoBelow are the Flexible Benefits Plan (FBP) credits and options that are available to Police Safety members.


FBP Credits

The City provides dollars in the form of FBP Credits that you can apply towards your health (medical, dental, vision) or life insurance premiums, and Flexible Spending Accounts. Certain credit tiers also have a cash-back option, with the ability to allocate excess credits towards 401(k) or distributed as taxable income. If your coverage falls under a tier that does not have the cash-back option, then you will not be eligible for the 401(k) flex option or excess credits paid as taxable income.

Police Officers Association (POA) – Police Unit & Police Management

Most Recent Hire Date prior to July 1, 2021

Coverage Type Semi-monthly (24 pay periods)3
 1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 or 112 hours)
Waive1 $158.44$237.66$316.88
Employee only1 $207.13$310.69$414.25
Employee & Spouse/Domestic Partner2 $371.88$557.81$743.75
Employee & Children2 $328.13$492.19$656.25
Employee & Spouse/Domestic Partner & Children2 $528.13$792.19$1,056.25

1 Remaining flex credits after flexible benefit plan elections may be cashed-out as taxable income or applied to a 401(k) plan.

2 Remaining credits after flexible benefit plan elections may not be cashed-out nor applied to a 401(k) plan.

Variances due to rounding.

Most recent Hire Date on or after July 1, 2021

Coverage Type Semi-monthly (24 pay periods)3
 1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 or 112 hours)
Waive1 $20.83$31.25$41.67
Employee only2 $175.00$262.50$350.00
Employee & Spouse/Domestic Partner2 $371.88$557.81$743.75
Employee & Children2 $328.13$492.19$656.25
Employee & Spouse/Domestic Partner & Children2 $528.13$792.19$1,056.25

1 Remaining flex credits after flexible benefit plan elections may be cashed-out as taxable income or applied to a 401(k) plan.

2 Remaining credits after flexible benefit plan elections may not be cashed-out nor applied to a 401(k) plan.

Variances due to rounding.

Police Safety Unrepresented/Unclassified

Most Recent Hire Date prior to July 1, 2020

Coverage Type Semi-monthly (24 pay periods)3
 1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 or 112 hours)
Waive1 $207.85$311.78$415.71
Employee only1 $274.54$411.81$549.08
Employee & Spouse/Domestic Partner2 $385.42$578.13$770.83
Employee & Children2 $359.38$539.06$718.75
Employee & Spouse/Domestic Partner & Children2 $531.25$796.88$1,062.50

1 Remaining flex credits after flexible benefit plan elections may be cashed-out as taxable income or applied to a 401(k) plan.

2 Remaining credits after flexible benefit plan elections may not be cashed-out nor applied to a 401(k) plan.

Variances due to rounding.

Most Recent Hire Date on or after July 1, 2020

Coverage Type Semi-monthly (24 pay periods)3
 1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 or 112 hours)
Waive1 $20.83$31.25$41.67
Employee only2 $175.00$262.50$350.00
Employee & Spouse/Domestic Partner2 $385.42$578.13$770.83
Employee & Children2 $359.38$539.06$718.75
Employee & Spouse/Domestic Partner & Children2 $531.25$796.88$1,062.50

1 Remaining flex credits after flexible benefit plan elections may be cashed-out as taxable income or applied to a 401(k) plan.

2 Remaining credits after flexible benefit plan elections may not be cashed-out nor applied to a 401(k) plan.

Variances due to rounding.


FBP Options

Select a plan below to view detailed provider information including premiums and benefit summaries.

Medical Plans

Waive Medical

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$0$0$0$0

Kaiser Permanente (2 HMO plans)

Kaiser Permanente Traditional (HMO) Information

Kaiser Permanente Traditional (HMO) Premiums

Available to All Employees

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$8,887.20$740.60$0.00$370.30
Employee & Spouse/Domestic Partner$19,462.80$1,621.90$0.00$810.95
Employee & Domestic Partner (post-tax)**$19,462.80$1,621.90$440.65$370.30
Employee & Children$16,885.68$1,407.14$0.00$703.57
Family$27,017.16$2,251.43$0.00$1,125.72
Family (Domestic Partner post-tax)**$27,017.16$2,251.43$422.15$703.57

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Kaiser Permanente Deductible (HMO) Information

Kaiser Permanente Deductible (HMO) Premiums

Available to All Employees

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$6,845.40$570.45$0.00$285.23
Employee & Spouse/Domestic Partner$14,991.48$1,249.29$0.00$624.65
Employee & Domestic Partner (post-tax)**$14,991.48$1,249.29$339.42$285.23
Employee & Children$13,006.32$1,083.86$0.00$541.93
Family$20,810.04$1,734.17$0.00$867.09
Family (Domestic Partner post-tax)**$20,810.04$1,734.17$325.16$541.93

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines.  To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Cigna (2 HMO plan, 1 PPO plan)

Cigna (HMO) Information

Cigna (HMO) Premiums

Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$18,107.16$1,508.93$0.00$754.47
Employee & Spouse/Domestic Partner$39,655.68$3,304.64$0.00$1,652.32
Employee & Domestic Partner (post-tax)**$39,655.68$3,304.64$897.85$754.47
Employee & Children$34,402.80$2,866.90$0.00$1,433.45
Family$55,044.72$4,587.06$0.00$2,293.53
Family (Domestic Partner post-tax)**$55,044.72$4,587.06$860.08$1,433.45

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Cigna Scripps Select (HMO) Premiums

Available to all employees

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$8,977.08$748.09$0.00$374.05
Employee & Spouse/Domestic Partner$19,657.44$1,638.12$0.00$819.06
Employee & Domestic Partner (post-tax)**$19,657.44$1,638.12$445.01$374.05
Employee & Children$17,056.80$1,421.40$0.00$710.70
Family$27,291.00$2,274.25$0.00$1,137.13
Family (Domestic Partner post-tax)**$27,291.00$2,274.25$426.43$710.70

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Cigna Open Access Plan (OAP) PPO Information

Cigna Open Access Plan (OAP) PPO Premiums

Available to All Employees

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$19,935.00$1,661.25$0.00$830.63
Employee & Spouse/Domestic Partner$43,659.12$3,638.26$0.00$1,819.13
Employee & Domestic Partner (post-tax)**$43,659.12$3,638.26$988.50$830.63
Employee & Children$37,875.96$3,156.33$0.00$1,578.17
Family$60,601.80$5,050.15$0.00$2,525.08
Family (Domestic Partner post-tax)**$60,601.80$5,050.15$946.91$1,578.17

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Sharp (3 HMO plans)

SDPEBA/Sharp Classic (HMO) Information

SDPEBA/Sharp Classic (HMO) Premiums

Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$9,686.40$807.20$0.00$403.60
Employee & Spouse/Domestic Partner$21,184.56$1,765.38$0.00$882.69
Employee & Domestic Partner (post-tax)**$21,184.56$1,765.38$479.09$403.60
Employee & Children$18,382.32$1,531.86$0.00$765.93
Family$29,397.36$2,449.78$0.00$1,224.89
Family (Domestic Partner post-tax)**$29,397.36$2,449.78$458.96$765.93

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

SDPEBA/Sharp Select (HMO) Information

SDPEBA/Sharp Select (HMO) Premiums

Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$6,312.72$526.06$0.00$263.03
Employee & Spouse/Domestic Partner$13,796.16$1,149.68$0.00$574.84
Employee & Domestic Partner (post-tax)**$13,796.16$1,149.68$311.81$263.03
Employee & Children$11,972.40$997.70$0.00$498.85
Family$19,141.44$1,595.12$0.00$797.56
Family (Domestic Partner post-tax)**$19,141.44$1,595.12$298.71$498.85

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

SDPEBA/Sharp Saver Deductible (HMO) Information

SDPEBA/Sharp Saver Deductible (HMO) Premiums

Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$5,594.40$466.20$0.00$233.10
Employee & Spouse/Domestic Partner$12,222.96$1,018.58$0.00$509.29
Employee & Domestic Partner (post-tax)**$12,222.96$1,018.58$276.19$233.10
Employee & Children$10,607.52$883.96$0.00$441.98
Family$16,957.68$1,413.14$0.00$706.57
Family (Domestic Partner post-tax)**$16,957.68$1,413.14$264.59$441.98

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Sharp Plan Additional Information

POA ALADS California Care (2 HMO plans)

POA ALADS California Care Basic (HMO with supplemental Dental PPO)

POA ALADS California Care Basic (HMO with supplemental Dental PPO) Premiums

Available to POA Represented and Unrepresented Police Safety

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$11,339.52$944.96$0.00$472.48
Employee & Spouse/Domestic Partner$23,465.52$1,955.46$0.00$977.73
Employee & Domestic Partner (post-tax)**$23,465.52$1,955.46$505.25$472.48
Employee & 1 Child$23,465.52$1,955.46$0.00$977.73
Employee & Children$28,173.00$2,347.75$0.00$1,173.88
Family$28,173.00$2,347.75$0.00$1,173.88
Family (Domestic Partner post-tax)**$28,173.00$2,347.75$196.15$977.73

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

POA ALADS California Care Premier (HMO with full Dental PPO)

POA ALADS California Care Premier (HMO with full Dental PPO) Premiums

Available to POA Represented and Unrepresented Police Safety

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$11,622.48$968.54$0.00$484.27
Employee & Spouse/Domestic Partner$23,938.92$1,994.91$0.00$997.46
Employee & Domestic Partner (post-tax)$23,938.92$1,994.91$513.19$484.27
Employee & 1 Child$23,938.92$1,994.91$0.00$997.46
Employee & Children$28,882.80$2,406.90$0.00$1,203.45
Family$28,882.80$2,406.90$0.00$1,203.45
Family (Domestic Partner post-tax)$28,882.80$2,406.90$205.99$997.46

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Dental Plans (Optional)

Delta Dental (1 DHMO plan, 1 DPO plan)

Delta Dental (DHMO) Information

Delta Dental (DHMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$152.04$12.67$0.00$6.34
Employee & Spouse/Domestic Partner$303.60$25.30$0.00$12.65
Employee & Domestic Partner (post-tax)**$303.60$25.30$6.31$6.34
Employee & Children$265.68$22.14$0.00$11.07
Family$470.76$39.23$0.00$19.62
Family (Domestic Partner post-tax)**$470.76$39.23$8.55$11.07

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Delta Dental (DPO) Information

Delta Dental (DPO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$515.28$42.94$0.00$21.47
Employee & Spouse/Domestic Partner$1,029.60$85.80$0.00$42.90
Employee & Domestic Partner (post-tax)**$1,029.60$85.80$21.43$21.47
Employee & Children$1,004.16$83.68$0.00$41.84
Family$1,591.08$132.59$0.00$66.30
Family (Domestic Partner post-tax)**$1,591.08$132.59$24.46$41.84

* Variances Due to Rounding

**Domestic partners can only be enrolled on a pre-tax basis if they qualify as a tax dependent under IRS guidelines. To enroll your Domestic Partner on a pre-tax basis, submit a Tax Dependent Certification form which can be found on the Flexible Benefits website.

Delta Dental Additional Information

Vision Plans (Optional)

City VSP (1 plan)

City VSP Information

City VSP Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax 
Employee only$56.40$4.70$0.00$2.35 
Employee & Spouse$112.80$9.40$0.00$4.70 
Employee & Domestic Partner (non-dependent)$112.80$9.40$2.35$2.35 
Employee & Children$120.60$10.05$0.00$5.03 
Family$192.96$16.08$0.00$8.04 
Family (Domestic Partner post-tax)$192.96$16.08$3.01$5.03 

* Variances Due to Rounding

City VSP Partnersites

Life Insurance Plans

Basic Life Insurance

City of San Diego Basic Life Accidental Death & Dismemberment Insurance Benefit Highlights (Class 2)

Basic life insurance coverage of $50,000 is provided at no cost to Police Safety members.