CONNECT with the CityFlexible Benefits Plan Options for Police Safety Members 2025
Below 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.
3 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.
3 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.
3 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.
3 Variances due to rounding.
FBP Options
Select a plan below to view detailed provider information including premiums and benefit summaries.
Medical Plans
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | ||
|---|---|---|---|---|---|
| Post-tax | Pre-tax | ||||
| Employee only | $0 | $0 | $0 | $0 | |
Kaiser Permanente (2 HMO plans)
Kaiser Permanente Traditional (HMO) Information
- Kaiser Traditional HMO Benefits Summary 2025
- Kaiser Traditional HMO Summary of Benefits and Coverage 2025
- Kaiser Traditional HMO Chiro Benefits 2025
Kaiser Permanente Traditional (HMO) Premiums
Available to All Employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Deductible HMO Benefits Summary 2025
- Kaiser Deductible HMO Summary of Benefits & Coverage 2025
Kaiser Permanente Deductible (HMO) Premiums
Available to All Employees
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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.
Kaiser Partner Site and Wellness ResourcesCigna (2 HMO plan, 1 PPO plan)
Cigna (HMO) Information
Cigna (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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.
Cigna Partnersite
SDPEBA/Sharp Classic (HMO) Information
- Sharp Classic Summary of Benefits 2025
- Sharp Classic Summary of Benefits and Coverage 2025
- 2025 Sharp Classic Find a Doctor - Value Network
SDPEBA/Sharp Classic (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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
- Sharp Select Summary of Benefits 2025
- Sharp Select Summary of Benefits and Coverage 2025
- 2025 Sharp Select Find a Doctor – Performance Network
SDPEBA/Sharp Select (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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
- Sharp Saver HMO Summary of Benefits 2025
- Sharp Saver HMO Summary of Benefits and Coverage 2025
- 2025 Sharp Saver Find a Doctor – Premier Network
SDPEBA/Sharp Saver Deductible (HMO) Premiums
Available to DCAA, Local 127, Local 911, MEA, POA, Unrepresented, & Unclassified
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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)
- 2025 ALADS Anthem HMO Benefits Summary
- 2025 ALADS Anthem HMO Summary of Benefits & Coverage
- 2025 ALADS Anthem Basic Dental Benefit Summary
- 2025 ALADS Anthem Basic Plan Dental PPO Summary of Benefits & Coverage
- 2025 ALADS Anthem HMO Chiropractic Treatment Rider
- 2025 ALADS Visions VSP Benefits Summary
- 2025 ALADS CT Scan Plan Benefit
- ALADS Mental Health and Substance Abuse Summary of Benefits
POA ALADS California Care Basic (HMO with supplemental Dental PPO) Premiums
Available to POA Represented and Unrepresented Police Safety
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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)
- 2025 ALADS Anthem HMO Benefits Summary
- 2025 ALADS Anthem HMO Summary of Benefits & Coverage
- 2025 ALADS Anthem Premier Dental Benefit Summary
- 2025 ALADS Anthem Premier Plan Dental PPO Summary of Benefits & Coverage
- 2025 ALADS Anthem HMO Chiropractic Treatment Rider
- 2025 ALADS Vision VSP Benefits Summary
- 2025 ALADS CT Scan Plan Benefit
- ALADS Mental Health and Substance Abuse Summary of Benefits
POA ALADS California Care Premier (HMO with full Dental PPO) Premiums
Available to POA Represented and Unrepresented Police Safety
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Type | Annual | Monthly | Semi-monthly (24 pay periods)* | |
|---|---|---|---|---|
| Post-tax | Pre-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 Information
- 2025 VSP Benefits Summary
- TruHearing Member Extras
- Exclusive Member Extras
- VSP Member Flyer
- VSP Lightcare
City VSP Premiums
| Coverage Type | Annual | Monthly | Semi-monthly (24 pay periods)* | ||
|---|---|---|---|---|---|
| Post-tax | Pre-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
Open Enrollment: http://cityofsd.vspforme.com/
Post Enrollment: https://cityofsd-acpt.vspforme.com/?view=post
Life Insurance Plans
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.
Additional Life Insurance (Supplemental Life)
Voluntary Group Term Life Insurance Benefit Highlights
Please refer to pages 2025 Benefits Info & Cost Booklet for more information on Supplemental Life Insurance.