Who Qualifies:

Permanent employees 50% contract or greater qualify for full time benefits. All part time faculty members are eligible for dental, vision, and Aflac benefits. Part time faculty members who work at least 45% contract over four consecutive semesters qualify for a chance to obtain medical benefits. Short term hourly, and student employees do not qualify for benefits.

Employee Cost:

Full time employee HMO benefits are 100% District paid, medical and dental PPO plans require employee contribution. Part time faculty dental, vision, and Aflac benefits are 100% employee paid. Part time faculty medical is available to part-time faculty with  40% load across any CA Community college(s). The Anthem Bronze Plan benefits are 100% employee paid.

Effective Date:

Full time employee medical, dental, vision, and long term care benefits are effective the first of the month following date of hire. Full time employee term life insurance is effective first of the month following 30 days of service. Full time employee long term disability benefits are effective the first of the month following 90 days of service. Part time faculty benefits are effective October 1st or April 1st of each year.

Enrollment & Changes:

All employee enrollment, or changes, must be made within 30 days of the date of hire or life event. Due to insurance requirements changes outside this timeline cannot be accepted.

Dependent Eligibility:

Children under the age of 26 are eligible dependents, full time student status is not required ( birth certificate/adoption certificate are required). Legal guardians are eligible dependents until they reach the age of 18 (guardianship documentation is required). Adult disabled children over the age of 26 are eligible dependents (birth certificate, disability certification, most recent tax form required). Domestic partners are eligible dependents (State Domestic Partnership Certificate required).

Family Status Change/Life Events:

Gain or loss of other medical insurance coverage. Marriage, divorce, or dissolution of domestic partnership. Death of employee, spouse, or dependent. Birth or adoption of a dependent.

Medical, Dental, Vision, and EAP Options

(Medical, Dental, Vision, and Employee Assistance Program Resources)
Additional Mental Health Resources

Long Term Care Insurance

(Long Term Care Insurance Information)

Term Life and AD&D Insurance

(Term Life and Accident Insurance Information / Employee Travel Insurance)

Long Term Disability Insurance

(Long Term Disability Insurance Information)

Voluntary Insurance Benefits

(Voluntary Employee Paid Insurance Information)

403(b)/457(b) Investment

(403b and 457b Investment Information)

PFF Online Onboarding

Fall 2025 enrollment will begin 9/9/2025.

Fall 2025 enrollment coverage: October 1, 2025 through March 31, 2026

Open Enrollment Insurance & Provider Search Information

Part Time Faculty Medical FAQ

Open Enrollment Presentation - (pdf open enrollment slides/open enrollment zoom recording, passcode:  .EP+fC8u)

Multiple CA Community College Assignments: Minimum of 40% FTE current semester assignment at Palomar College or across multiple California Community Colleges (form for multiple college assignments)

Dental and Vision Eligibility: Must have a current semester assignment, no minimum FTE

Current Medical, Dental, and/or Vision Re-Enrollment

Existing insurance participants who do not make any changes to their insurance coverage, or covered dependents, can now complete one simple "Part-time Faculty Benefit Re-Enrollment Form"

Medical Plan Options

Kaiser HMO (Kaiser HMO Plan Summary/Kaiser HMO Enrollment Form) $0 employee contribution for employee and their dependents

Kaiser HDHP (Kaiser HDHP/HSA Plan Summary/Kaiser HDHP Enrollment Form) & Employer Funded Wex HSA Employee Contribution Form (Single $1,700.00/Family $3,400.00) $0 employee contribution for employee and their dependents

Anthem HMO (Anthem HMO Plan Summary/Anthem HMO Enrollment Form) $0 employee contribution for employee and their dependent
Anthem HMO Provider Search Instructions
Find an Anthem HMO doctor (follow prompts below)
>Guest
>Type of care = medical
>State = California
>Type of plan = Medical (Employer Sponsored)
>Plan/Network = Blue Cross HMO (CA Care) Large Group
>Click "continue"
>Search for facilities/providers/Groups

Anthem PPO 80E (Anthem 80E PPO Plan Summary/Anthem 80E PPO Enrollment Form) $0 employee contribution for employee and their dependents
Anthem PPO Provider Search Instructions
Find an Anthem 80E and 100A PPO doctor (follow prompts below)
>Guest
>Type of care = medical
>State = California
>Type of plan = Medical (Employer Sponsored)
>Plan/Network = Blue Cross PPO (Prudent Buyer) Large Group
>Click "continue"
>Search for facilities/providers/Groups

Anthem PPO 100A (Anthem 100A PPO Plan Summary/Anthem 100A Enrollment Form) 3 payments per semester of $398 employee only, $784 employee +1 dependent, $1,100 family for 6 months of coverage
(Same provider search instructions as the Anthem PPO 80E)

Dental and Vision Eligibility & Cost

Part Time Faculty Dental and Vision FAQ

DeltaCare USA Plan Summary and Enrollment Form

DeltaCare USA Plan Summary click here Provider Search (See page 14 of Plan Summary)

DeltaCare USA Plan Enrollment Form (DeltaCare USA Enrollment Form click here)

EyeMed Vision Summary and Enrollment Form

EyeMed Vision Plan Summary click here  Provider Search (Insight Network) (EyeMed Provider Search Link click here)

EyeMed Vision Plan Enrollment Form (EyeMed Enrollment Form click here)

Employee Assistance Programs (EAP)

Anthem (Anthem Employee Assistance click here)
VOYA (VOYA Employee Assistance click here)

Aflac Voluntary Insurance

Alfac Voluntary Insurance Product Slides

To schedule an Aflac appointment, click here or call Aflac Representative Jill Krenkler (760)473-8023

403(b)/457(b) Investment

Email: (FBC Deferred Compensation program email) Deferred Compensation: 833-752-6322 (833 Plan FBC)

More Information (Retirement Savings Information and Resources)

Palomar Retirement Benefits

(Palomar College Retirement Benefits)

Retiree Resource Page

(Palomar College Retiree Information Page)

CalPERS Pension Benefits

(CalPERS Benefits Guide / CalPERS website)
Access your information online at MyCalPERS Instructions

CalSTRS Pension Benefits

(2025 CalSTRS Member Handbook / CalSTRS website)
Access your information online at MyCalSTRS Instructions

APPLE Part-Time Retirement Plan

(MidAmerica APPLE Plan Welcome Letter / MidAmerica APPLE Plan website)

The Palomar Benefits Committee provides input and recommendations to the District leadership regarding employee benefits, (click here) for more information.

HIPAA Privacy Notice

Insurance Marketplace Notice (Marketplace-spanish)

COBRA General Notice

Newborns Health Protection Act

Children's Health Insurance Program (CHIPRA-spanish)

Medicare Creditable Coverage Disclosure (Creditable Coverage-spanish)

Patient Protection Disclosure (Patient Protection-spanish)

Special Enrollment Notice

Women's Health & Cancer Rights Notice Notice

Bundled Forms