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 75% District paid and 25% employee paid, and the part time faculty can dependents to the medical plan but will pay 100% of the additional cost. 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

(click here)
Additional Mental Health Resources

Long Term Care Insurance

(click here)

Term Life and AD&D Insurance

(click here / Travel Insurance)

Long Term Disability Insurance

(click here)

Voluntary Insurance Benefits

(click here)

403(b)/457(b) Investment

(click here)

PFF Online Onboarding

Medical Plan Eligibility & Cost

Fall Open Enrollment Presentation (pdf, recording pw=fJjx9n@z)

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

Medical Plan Options

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

Kaiser HDHP (Plan Summary/Enrollment Form) & Employer Funded Wex HSA (Single $1,650.03/Family $3,300.01) $0 employee contribution for employee and their dependents

Anthem HMO (Plan Summary/Enrollment Form) $0 employee contribution for employee and their dependent
Anthem HMO Provider Search Instructions
Find a 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 (Plan Summary/Enrollment Form) $0 employee contribution for employee and their dependents
Anthem PPO Provider Search Instructions
Find a 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 (Plan Summary/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

(click here)

DeltaCare USA Plan Summary

(click here)

EyeMed Vision Summary

(click here)

Employee Assistance Programs (EAP)

Anthem (click here)
VOYA (click here)

Aflac Voluntary Insurance

(click here) or call Jill Krenkler (760)473-8023

403(b)/457(b) Investment

(click here) Eric Winston (eric.winston@empower.com)

Palomar Retirement Benefits

(click here)

Retiree Resource Page

(click here)

CalPERS Pension Benefits

(click here / website)
Access your information online at MyCalPERS

CalSTRS Pension Benefits

(click here / website)
Access your information online at MyCalSTRS

APPLE Part-Time Retirement Plan

(click here / 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