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What You Need To Know
Complete plan details are available in the Summary Plan Documents. In the event of any discrepancy between any document and the official Plan Document, the Plan Document shall govern.
Custom Plan Cost Estimator
New for 2012, the City has partnered with UnitedHealthcare to offer you the Custom Plan Cost Estimator. This new online tool has been developed to provide you with a better understanding of your total health care costs and assist you in planning for 2012. This easy-to-use online tool assists you in comparing the cost differences between the City's health care options and helps you select the plan that results in lower overall costs to you. The Custom Plan Cost Estimator provides detailed comparisons for biweekly premiums, plan costs, out-of-pocket costs, Flexible Spending Account contributions, and more.
How it Works
1. Click here to access the Custom Plan Cost Estimator. Username: sanantonio2012 Password: benefits
2. Enter basic details about you and your dependents.
3. Indicate the health care usage for you and each of your dependents.
4. View your health care plan expenses and estimates.
Contact Human Resources Customer Service at (210) 207-8705 or your department's Human Resources Generalist or Specialist for assistance using this tool.
Eligibility / Dependent Eligibility
All full-time civilian City of San Antonio employees and their eligible dependents have the ability to participate in the Civilian Benefits Program. Part-time and temporary (seasonal) employees are not eligible to enroll.
Employees with alternate health care coverage have the option of waiving the City’s health care coverage during Open Enrollment or within 31 days from their date of hire. If this is the case, employees will be asked to provide information about their alternate health care coverage.
Eligible participants are:
- Full-time civilian employees of the City of San Antonio
- Fire and Police uniformed employees who opt out of the Uniformed Plan
- Eligible dependents
Adding a Dependent - Required Information
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Type of Eligible Dependent |
The following is a list of information required by the City to add a dependent. Additional information may be requested to complete your enrollment. |
Spouse |
The City requires:
Copy of marriage license OR Declaration of Informal Marriage, AND
Social Security number, AND
Date of Birth
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Domestic Partner
(Same-gender or opposite gender)
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The City requires:
An Affidavit of Domestic Partnership, AND
Social Security number, AND
Date of Birth
In addition, two (2) of the following supporting documents are also required:
Joint lease or mortgage, OR
Joint bank account, OR
Joint credit card, OR
Jointly paid household expense (ex: utility bill) with both names, OR
Beneficiary of life insurance or will, OR
Power of attorney
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Dependent Child
(Age 26 and Under)
Biological child, stepchild, adopted child, Domestic Partner child, or foster child |
The City requires:
Social Security number, AND
Date of birth
In addition, one (1) of the following supporting documents is also required:
Copy of birth certificate OR Verification of Birth Facts, OR
Copy of adoption agreement, OR
Copy of Qualified Medical Child Support Order, OR
Copy of court custody or guardianship documents |
Domestic Partners
City-sponsored benefits are available to domestic partners (same and opposite gender) and their dependent children. Domestic partnership is defined as a committed relationship between two (2) adults, which meets all of the following conditions:
• Partnership is in effect for at least six (6) months;
• Both partners at least 18 years of age;
• Both partners are each other’s sole domestic partner and intend to remain so indefinitely;
• Neither partner is married (legally or by common law) to, or legally separated from anyone else;
• Partners are not related by blood or marriage to a degree of closeness that would prohibit marriage in the state in which they reside;
• Both partners agree they are in a committed relationship and consider each other jointly responsible for each other’s common welfare and financial obligations; and
• Both partners agree that they are not in the relationship solely to obtain benefits coverage.
Domestic Partner Enrollment Packet
The Domestic Partner Enrollment Packet includes an enrollment form, the Affidavit of Domestic Partnership, and information regarding domestic partner tax implications. The completed Domestic Partner Enrollment Packet along with all of the required information must be submitted to your department's Human Resources Generalist or to Human Resources Customer Service during Open Enrollment or within 31 days of establishing a domestic partnership to add to your domestic partner to the City's health plans.
Domestic Partner Tax Implications
When you enroll your domestic partner or your partner’s child in one of the City’s health plans, the IRS considers the City’s contribution toward the additional coverage as income for federal tax purposes. This income is the amount the City contributes towards the cost of additional coverage for your domestic partner and/or your partner’s child. Any increase in your biweekly payroll deduction amount to cover your domestic partner and/or your partner’s child is also taxable.
The amount of this income depends upon the plan in which you are enrolled and the level of your coverage. This income increases your taxable gross income for federal income taxes and FICA (Social Security and Medicare). Taxes are withheld from your paycheck and will be reported on your annual W-2 form. More details are available in the Domestic Partner Enrollment Packet.
This monthly income must be added to your gross taxable income per IRS Code. Below is a simplified example of how this income is calculated. The City understands that this is a complex issue. Please consult your personal tax advisor for assistance.
If the City contributes this amount towards your total biweekly medical premium for Employee + Family (Domestic Partner and Domestic Partner child), and
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If the City contributes this amount towards your total biweekly medical premium for Employee Only, then |
The difference is the amount of biweekly income you would be taxed on. In this case, you would be taxed on the $600 difference each pay period. |
$1,000 (City contribution) |
$400 (City Contribution) |
$600 = ($1,000 - $400) |
Qualifying Life Events
The elections made during Open Enrollment remain in effect for the entire year, January 1 through December 31, 2012. The Internal Revenue Service (IRS) requires that your benefit elections remain in effect the entire calendar year, unless you experience a Qualifying Life Event.
Qualifying Life Events may include:
• Marriage
• Establishment of a Domestic Partnership
• Divorce, Legal Separation, Annulment, or Dissolution of a Domestic Partnership
• Birth or Adoption of an Eligible Child
• Change in you or your spouse’s work status (full-time or part-time) that affects benefits eligibility
• Change in your child’s eligibility for benefits
• Qualified Medical Child Support Order
• Death of a dependent
You must notify the Employee Benefits Office within 31 calendar days of your Qualifying Life Event and provide all required documentation. If you fail to notify the Employee Benefits Office within 31 days and do not provide documentation, you must wait until the next Open Enrollment period to change your benefit elections.
Premiums
The City of San Antonio is concerned for the health and welfare of its employees, and is committed to providing cost-effective benefits that assist employees in being physically and mentally healthy. Since rising health care costs affect both the City and its employees, the City will continue to study new coverage options that help control health care costs. See page six (6) of the
2012 Civilian Benefits Matters to view the biweekly employee premiums.
Privacy Policy and COBRA Notices
Click here to view the City's Privacy Policy and COBRA notices.
USERRA Notice
Click here to view the USERRA notice. |
