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Medical, Dental and Vision Insurance

Medical

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.

Kaiser HMO Anthem PPO
  • Receive all medical, hospitalization and pharmacy services at Kaiser facilities
  • Can choose practitioners inside or outside PPO network
  • Lower premiums
  • Higher premiums
  • No deductible
  • Annual deductible ($250 for individual, $750 for family)
  • Low co-pay
  • Out-of-pocket limit $1,500 for individual, $3,000 for family
  • Higher co-pay
  • Out-of-pocket (in network) limit $889 for individual
  • Cost-sharing is higher if practitioner is out-of-network

Dental

Web: www.deltadentalins.com
Phone: 800-765-6003
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.

For more information, see the Delta Summary of Benefits, Preventive Care Information and Claim Form.

Vision

Web: www.vsp.com
Phone: 800-877-7195
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. See the VSP Summary of Benefits for details.

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).