This information applies to City of Modesto Employees and Retirees only.
2012 health information for City of Modesto employees and retirees is now available.
If you are an active employee represented by MCFFA click here
- The open enrollment period will begin Monday, October 3, 2011 through Friday, November 4, 2011.
- Health Benefits Fair will be held Wednesday, October 12, 2011 from 9:00 am – 4:00 pm at City of
Modesto, Tenth Street Place – Room#2001
- All changes must be submitted to the Human Resources Department by 5:00pm on Friday,
November 4, 2011.
- Elections made during open enrollment will become effective January 1, 2012.
Open Enrollment Schedule of Events
Please click on a link below for more information
Health Insurance Rates and Health Plan Side-By-Side Comparisons
Health Plan Side-by-side Comparison
Health Insurance Information
Health Savings Account (HSA)
A Health Savings Account (HSA) is only available to employees enrolled in a HDHP medical plan (Anthem Blue Cross or
Kaiser HDHP). A HSA is a tax-favored account that allows you to set aside funds to save and pay for qualified medical
expenses incurred by you, your spouse, and any of your qualified dependents. The HSA is an individually-owned account
that earns interest and the funds are carried over, without limit, from year to year.
The City's Health Savings Account administrator, First Horizon Msaver, has merged with HealthEquity Inc, an
IRS-approved HSA custodian. The conversion of existing accounts over to the new administrator HealthEquity will
be effective November 1, 2011. If you are a current HSA account holder with First Horizon your debit card and
checks will be deactivated on October 28, 2011. HealthEquity will be sending out new debit cards beginning the
week of October 20, 2011 with the activation date of November 1, 2011. Please review the below documents for a
complete list of changes from First Horizon to HealthEquity.
Flexible Spending Accounts
A Flexible Spending Account (FSA) is a tax-favored program offered by the City that allows employees to pay for eligible
out-of-pocket health care and dependent care expenses with pre-tax dollars. The City offers three FSA accounts:
Unreimbursed Medical (URM), Limited Expense Unreimbursed Medical (LEX URM), and Dependent Care Assistance Program (DCAP).
ASI administers the FSA program. There is a $3.50 per month ($1.62 per pay period) administration fee.
Unreimbursed Medical (URM)
Limited Expense Unreimbursed Medical Program (LEX URM)
Dependent Care Assistance Program (DCAP)
Stanislaus Foundation Dental
The City of Modesto will be changing dental carriers from Delta Dental to Stanislaus Foundation
effective January 1, 2012. This will be an automatic change and no enrollment form needs to be
completed. You will receive your new dental insurance card on or after December 15, 2011. Below,
please find a list of contracting dentists with Stanislaus Foundation. While you may utilize the
services of any licensed Dentist, there are advantages to visiting a PPO network dentist instead
of a Traditional or non-network dentist.
Chiropractic/Mental Health Plans
Chiropractic Health Coverage
The chiropractic coverage for employees/retirees is now integrated in your medical plan. For example, if you
elect Anthem blue Cross HMO, your chiropractic coverage is through Anthem blue Cross HMO. For more details please
refer to the Benefit Plan summaries of the medical coverage. Employees who are enrolled in Kaiser HDHP or opt-out
of medical coverage do not have chiropractic.
Mental Health Coverage
The mental health coverage for employees/retirees is now integrated in your medical plan. For example, if you elect
Anthem Blue Cross HMO plan, your mental health coverage is through Anthem Blue Cross HMO. For more details refer to the
Benefit Plan Summaries of the medical coverage. Employees who opt out of medical coverage do not have mental health coverage
through City of Modesto.
Health Care Reform
On March 23, 2010, President Obama signed into law the health care reform bill, the Patient Protection and
Affordable Care Act. This legislation, along with the Health Care and Education Reconciliation Act of 2010,
makes sweeping changes to the U.S. health care system. These changes will be implemented over the next several
years. Below is an overview of the key reform provisions that have been implemented. If you would like
more information on the Health Care Reform please visit their website at
- Extended Coverage for Young Adults
Effective January 1, 2011, children are now eligible for coverage up to the age of 26 regardless of marriage status,
financial dependency, or student status.
- Preexisting Condition Exclusions
Effective January 1, 2011, a preexisting condition limitation cannot be applied to any enrollee who is under
age 19. Starting plan year January 1, 2014, preexisting condition limitations will be prohibited for all plans
and all covered individuals.