COBRA Participants
COBRA Participants: Plan Year 2024
Welcome to Open Enrollment! Open Enrollment for plan year 2024 is October 9 - October 27, 2023. This is your one time during the year to make benefit election changes without a qualifying event:
- Change medical/dental plans
- Enroll eligible dependent(s)
There are no health plan changes for plan year 2024. Health plans offered for COBRA participants are the same for County employees. If after you've reviewed the 2024 plan year Open Enrollment information and decide to not make any changes, no action is required on your part. Please note, COBRA participants may elect up tor 18 months Federal COBRA and 18 months Cal-COBRA, for a total of three (3) years only. For detailed information please review the website below.
Open Enrollment Submission Deadline: Friday, October 27, 2023 at 5:00pm
All forms and supporting documents must be received by Employee Benefits no later than 5:00pm on Friday, October 27, 2023. Employee Benefits is not responsible for forms sent through USPS mail that are lost or delayed and therefore not received by the deadline. It is your responsibility to ensure that all forms and supporting documents, if applicable, are received by the deadline. In order to confirm receipt of forms and/or supporting documents, please contact Employee Benefits.
You may submit forms via one of the following ways:
OPEN ENROLLMENT FORM:
2024 Open Enrollment COBRA Health Insurance Application(PDF, 588KB)
COBRA MONTHLY PREMIUM RATES SHEET
MEDICAL AND DENTAL PLAN INFORMATION
Anthem Blue Cross
EPOs, or Exclusive Provider Organizations, are copay based and only cover services performed solely by providers within their network (with the exception of emergency services). On this plan, you may self-refer to in-network specialists.
- Medical and mental health coverage is through Anthem Blue Cross.
- Prescription coverage is through EmpiRx.
- Vision coverage is through the Vision Service Plan (VSP).
PPOs, or Preferred Provider Organizations, allow you to use out-of-network providers, but at a higher rate. The deductible period for this PPO plan is for the plan year, starting December 11, 2023.
- Medical and mental health coverage is through Anthem Blue Cross.
- Prescription coverage is through EmpiRx.
- Vision coverage is through the Vision Service Plan (VSP).
HDPPOs, or High Deductible Preferred Provider Organizations, have high deductibles and low premiums. As with other PPO plans, they allow you to use out-of-network providers, but at a higher rate. The deductible period for this HDPPO plans is based on the calendar year, starting January 1, 2023.
- Medical and mental health coverage is through Anthem Blue Cross.
- Prescription coverage is through EmpiRx.
- Vision coverage is through Vision Service Plan (VSP).
Is Your Doctor In the Anthem Network?
Visit Anthem’s Website today and follow this pathway:
- Providers > Provider Resources > Find a Doctor
- From here, you can search as member or search as guest.
- How do you get insurance? Through my employer
- What state do you want to search in? Choose the State
- What type of care are you searching for? Medical
- Select a plan/network: EPO (it should be about 6 down on the list)
- Finally, use the search engine to look for your doctor!
Kaiser Permanente
HMOs, or Health Maintenance Organizations, are copay based and cover services performed solely by providers within their network (with the exception of emergency services).
- Medical, mental health, prescription, and vision coverage are all through Kaiser Permanente.
NEW this year! The County of Fresno is pleased to offer an additional health plan option, Kaiser Permanente High Deductible Health Plan, for employees and their families. With this plan you will pay the full cost of non-preventive health care services until you meet the annual deductible. Once the out-of-pocket maximum is reached, the plan will pay the full cost of all qualified health care services for the remainder of the calendar year. With this plan you must use Kaiser facilities and providers for your medical, vision, and pharmacy needs. Services received outside of the Kaiser network are not covered, except in the case of emergency medical care.
- Medical, mental health, prescription, and vision coverage are all through Kaiser Permanente.
Dental Plans
PPOs, or Preferred Provider Organizations, allow you to use out-of-network providers, but at a higher rate. The deductible period for this PPO plan is based on the calendar year.
HMOs, or Health Maintenance Organizations, are copay based and cover services performed solely by providers within their network (with the exception of emergency services).
Dental Plan Option Comparison Chart
Service |
Delta Dental DPPO |
DeltaCare USA DHMO |
Annual Deductible |
$50 Per Individual
$150 Per Family |
No Deductible |
Maximum Benefits Allowed |
$2,500
Per Individual Per Year |
No Annual Maximum |
Preventative Services |
PPO Provider: 0%
Non-PPO Provider: 10% |
$0 for Most Services |
Basic Services |
PPO Provider: 10%
Non-PPO Provider: 10% |
$0 for Most Services
A copay may be required for upgraded materials and services |
Major Services
(Including Periodontics, Endodontics, and Oral Surgery) |
50% |
$0 for Most Services
A copay may be required for upgraded materials and services. |
Orthodontia (Adult) |
$1,880 Copay* |
$1,900 Copay |
Orthodontia (Child) |
$1,660 Copay* |
$1,700 Copay |
Additional Orthodontia Information |
*Once per lifetime With a maximum of 24 months of treatment. |
Pre and post-treatment services have additional copayments. |
Visit deltadentalins.com to search for an in-network provider.
IMPORTANT DATES
Open Enrollment Period:
October 9 - October 27, 2023
Open Enrollment Deadline:
Friday, October 27, 2023 at 5:00pm
Plan Year 2024 Effective Dates:
January 1, 2024 - Health Enrollment/Changes
Health Fairs:
October 12, 2023, 7:30 - 2:00pm - County Plaza Building, Ballroom
October 13, 2023, 7:30 - 2:00pm -DSS Intake, Pontiac (old Clovis Costco)
Human Resources - Employee Benefits Division
Phone:(559) 600 - 1810
Email:HRBenefits@fresnocountyca.gov
Fax:(559) 455 - 4787
Address*:2220 Tulare St., Suite 1400, Fresno, CA 93721
Office Hours: Monday - Friday, 8am - 5pm
*Please note that Employee Benefits is not responsible for any lost or stolen mail,
nor mail received after the deadline. All paperwork and supporting documentation
must be received by the Employee Benefits office prior to any deadlines.