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Risk Management

Flexible Benefits Plan Options for Municipal Employees Association (MEA) FY2021

Below are the Flexible Benefits Plan (FBP) credits and options that are available to Municipal Employees Association (MEA) 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.

Employees Hired Prior to July 1, 2020

Coverage TypeAnnualSemi-monthly
(24 pay periods)3
Full-time1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 hours)
Waive1$11,705.00$487.71$487.71$487.71
Employee only1$11,705.00$487.71$487.71$487.71
Employee & Spouse/Domestic Partner2$16,000.00$666.67$666.67$666.67
Employee & Children2$14,000.00$583.33$583.33$583.33
Employee & Spouse/Domestic Partner & Children2$22,000.00$916.67$916.67$916.67

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.

3 Variances due to rounding.

Employees Hired On or After July 1, 2020

Coverage TypeAnnualSemi-monthly
(24 pay periods)3
Full-time1/2 Time
(40 hours)
3/4 Time
(60 hours)
Full-time
(80 hours)
Waive1$1,000.00$41.67$41.67$41.67
Employee only2$7,600.00$316.67$316.67$316.67
Employee & Spouse/Domestic Partner2$16,000.00$666.67$666.67$666.67
Employee & Children2$14,000.00$583.33$583.33$583.33
Employee & Spouse/Domestic Partner & Children2$22,000.00$916.67$916.67$916.67

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.

3 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

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$6,561$546.78$0.00$273.39
Employee & Spouse/Domestic Partner$14,369$1,197.44$0.00$598.72
Employee & Domestic Partner (post-tax)**$14,369$1,197.44$325.33$273.39
Employee & Children$12,466$1,038.87$0.00$519.44
Family$19,946$1,662.20$0.00$831.10
Family (Domestic Partner post-tax)**$19,946$1,662.20$311.67$519.44

* 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

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$5,049$420.74$0.00$210.37
Employee & Spouse/Domestic Partner$11,057$921.43$0.00$460.72
Employee & Domestic Partner (post-tax)**$11,057$921.43$250.35$210.37
Employee & Children$9,593$799.41$0.00$399.71
Family$15,349$1,279.06$0.00$639.53
Family (Domestic Partner post-tax)**$15,349$1,279.06$239.83$399.71

* 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

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$13,273$1,106.05$0.00$553.02
Employee & Spouse/Domestic Partner$29,067$2,422.26$0.00$1,211.13
Employee & Domestic Partner (post-tax)**$29,067$2,422.26$658.10$553.02
Employee & Children$25,218$2,101.48$0.00$1,050.74
Family$40,349$3,362.38$0.00$1,681.19
Family (Domestic Partner post-tax)**$40,349$3,362.38$630.45$1,050.74

* 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

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $6,582 $548.49 $0.00 $274.24
Employee & Spouse/Domestic Partner $14,412 $1,201.00 $0.00 $600.50
Employee & Domestic Partner (post-tax)** $14,412 $1,201.00 $326.25 $274.24
Employee & Children $12,506 $1,042.20 $0.00 $521.10
Family $20,010 $1,667.51 $0.00 $833.75
Family (Domestic Partner post-tax)** $20,010 $1,667.51 $312.66 $521.10

* 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 OAP (PPO) Information

Cigna OAP (PPO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$14,612$1,217.67$0.00$608.83
Employee & Spouse/Domestic Partner$32,001$2,666.74$0.00$1,333.37
Employee & Domestic Partner (post-tax)**$32,001$2,666.74$724.53$608.83
Employee & Children$27,763$2,313.58$0.00$1,156.79
Family$44,421$3,701.74$0.00$1,850.87
Family (Domestic Partner post-tax)**$44,421$3,701.74$694.08$1,156.79

* 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)

Sharp Classic (HMO) Information

Sharp Classic (HMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$7,776$648.04$0.00$324.02
Employee & Spouse/Domestic Partner$17,009$1,417.42$0.00$708.71
Employee & Domestic Partner (post-tax)**$17,009$1,417.42$384.69$324.02
Employee & Children$14,759$1,229.92$0.00$614.96
Family$23,604$1,966.96$0.00$983.48
Family (Domestic Partner post-tax)**$23,604$1,966.96$368.52$614.96

* 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 Select (HMO) Information

Sharp Select (HMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$5,308$442.34$0.00$221.17
Employee & Spouse/Domestic Partner$11,603$966.94$0.00$483.47
Employee & Domestic Partner (post-tax)**$11,603$966.94$262.30$221.17
Employee & Children$10,069$839.10$0.00$419.55
Family$16,100$1,341.66$0.00$670.83
Family (Domestic Partner post-tax)**$16,100$1,341.66$251.28$419.55

* Variances Due to Rounding

Sharp Saver Deductible (HMO) Information

Sharp Saver Deductible (HMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$4,703$391.92$0.00$195.96
Employee & Spouse/Domestic Partner$10,278$856.52$0.00$428.26
Employee & Domestic Partner (post-tax)**$10,278$856.52$232.30$195.96
Employee & Children$8,920$743.30$0.00$371.65
Family$14,261$1,188.38$0.00$594.19
Family (Domestic Partner post-tax)**$14,261$1,188.38$222.54$371.65

* 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

Dental Plans (Optional)

MetLife (1 DHMO plan, 1 DPO plan)

MetLife (DHMO) Information

MetLife (DHMO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$252$21.00$0.00$10.50
Employee & Spouse/Domestic Partner$491$40.90$0.00$20.45
Employee & Domestic Partner (post-tax)**$491$40.90$9.95$10.50
Employee & Children$491$40.90$0.00$20.45
Family$702$58.46$0.00$29.23
Family (Domestic Partner post-tax)**)$702$58.46$8.78$20.45

* 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.

MetLife (DPO) Information

MetLife (DPO) Premiums

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
Post-taxPre-tax
Employee only$798$66.50$0.00$33.25
Employee & Spouse/Domestic Partner$1,494$124.50$0.00$62.25
Employee & Domestic Partner (post-tax)**$1,494$124.50$29.00$33.25
Employee & Children$1,716$143.00$0.00$71.50
Family$2,502$208.50$0.00$104.25
Family (Domestic Partner post-tax)**$2,502$208.50$32.75$71.50

* 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.

Vision Plans (Optional)

MEA VSP (1 plan)

MEA VSP Information

MEA VSP Premiums

Coverage Type Annual Monthly Semi-monthly
(24 pay periods)*
Post-tax Pre-tax
Employee only $222 $18.50 $0.00 $9.25
Employee & Spouse/Domestic Partner $390 $32.50 $0.00 $16.25
Employee & Domestic Partner (post-tax)** $390 $32.50 $7.00 $9.25
Employee & Children $390 $32.50 $0.00 $16.25
Family $642 $53.50 $0.00 $26.75
Family (Domestic Partner post-tax)** $642 $53.50 $10.50 $16.25

* 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.

Life Insurance Plans

Basic Life Insurance

PDF icon City of San Diego BasicLifeADD_BHS Class 1

Coverage TypeAnnualMonthlySemi-monthly
(24 pay periods)*
$10,000$4$0.30$0.15
$25,000$9$0.75$0.38
$50,000$18$1.50$0.75