FY22 Benefits Guide by SDPEBA

SAN DIEGO

PEBA

FY22 BENEFITS GUIDE

Table of

CONTENTS Welcome What is SDPEBA FAQ SDPEBA Benefit Changes FY22 Rate Sheet Important Enrollment Info Virtual Benefits Fair Materials Pickup Find A Provider Aflac Aura Identity Guard Best Health Liberty Mutual MetLife Dental MetLife Legal Nationwide Pet Purchasing Power Sharp Health Plan UNUM VSP Contact Information

2 3 4 5 6 7 8 9 10 11 15 19 23 27 33 37 41 43 51 53 57

Welcome to Open Enrollment! To put it plainly, the last 12 months were hard. As we move into this new fiscal year, I find myself reflecting on the challenges of 2020 and how we overcame them in order to create the new “normal” we all live with today. One of the biggest challenges we all faced was losing the ability to connect with people. In order to deal with that challenge, we created our first ever Virtual Benefit Fair, a day long event where we gave our members access to directly talk with their insurance providers. The program was such a success, that we’re hosting it again on June 9th. During the VBF we plan to provide you with more information about your benefits, how to enroll/make changes to your current plans, and useful resources that relate to our plans. During our plan negotiations this year, we fought hard to keep the cost of insurance down while still providing additional benefits, here are some of the changes this year: •The lowest rate increase across all medical plans (Sharp at 3.4%) •Increased benefits for dental and vision plans with no cost increase. •Upgraded coverage for the AURA Identity Guard plan. •And more In addition to plan changes, we’ve made some internal changes as well. The first of which is a dedication to reduce our carbon footprint by minimizing the amount of printed materials we use by going digital. We have also expanded our existing support team and dramatically transformed our communications infrastructure so that we can continue helping our members access their plans and make the best choices possible when it comes to their benefits. We are excited about the new changes to our blog/newsletter and our new weekly video content (Webinars and PEBAtalk). If you haven’t received/seen these changes, be sure to visit our website at www.sdpeba.org and check out our new digital resources. Thank you for allowing us to serve you in any way that we can as we transition into the new fiscal year. Take care and be safe! Sincerely,

Michael Williams SDPEBA Benefits Manager

What is

SDPEBA?

SDPEBA (San Diego Public Employee Benefit Association) is a partnership between local public employee associations formed to reduce costs, improve benefits, provide support, and stabilize premiums for all of its members. SDPEBA extends benefits to active City employees, County employees, their families, and retirees. Beyond just providing you with reduced premiums, SDPEBA was built to make benefits easier to access and understand. We’re dedicated to helping you and your family year-round. SDPEBA provides members with enrollment support, case management, educational content, customer support, and provider reviews to ensure that you’re getting the most out of your benefits and your membership.

Enrollment

Case Management

Education

Support Staff

24/7 Self Support

Provider Review

Our team wants to make signing up for benefits simple. We’re here to answer any enrollment questions you might have and provide you with resources to make insurance easy. Through our 24/7 self-support site, our team of benefit specialists, and our annual benefit fairs, we aim to help make sure benefits are approachable!

Insurance is complicated! We want to make it simple! Through our podcasts, webinars, blog, and newsletter, we aim to make it easy for you to get the most out of your benefits. We design our content so that it’s straightforward, understandable, and entertaining, but still informative and useful.

On our site we host a 24/7 self-support page where you can find answers to frequently asked questions or even ask a question yourself. If you have a question outside of business hours, check out https://support.sdpeba.org. If you can’t find what you’re looking for, you can submit the question and we’ll reach out to you within two business hours! We might even post the answer in the form of an article to help anyone else who has the same question.

In the event you experience a problem with one of SDPEBA’s sponsored benefits, our team will advocate on your behalf to address your issue. We will work diligently to make sure the insurance providers are following our contracts and providing the best possible service to our enrollees.

One of the most important things we do at SDPEBA is providing support for the benefits we offer. We handle thousands of calls and emails throughout the year from members who need assistance with their benefits. Members can call us when they have a question, meaning instead of spending hours on hold with a national corporation, they’ll talk to someone local who cares.

We work directly with our insurance providers and members to make sure all of the plans we offer are working the way they’re intended. We take member feedback and pitch it directly to your insurance providers and follow up with them to improve your plans. We pride ourselves on making sure your voice is heard so that benefits can be better for everyone.

Frequently Asked

QUESTIONS What is Open Enrollment?

Open Enrollment is when you’re able to make changes to your benefits and sign up for new benefits. During this time, we communicate with you about changes to your plan’s coverage, your rates, and any other important information regarding your benefits. Many of our plans can only be changed during this time or during a qualifying life event, (such as a change in marital status, newborn child, etc). In order to help you make the best choice we’ve created this guide highlighting our plans and all relevant information.

What is in this guide?

This guide will go into detail about what each plan does, how to use each plan, and any changes to rates/coverage for this year. Additionally, this guide will have best practices, educational content, and more tips and tricks from SDPEBA to make sure you’re making the most out of your benefits.

Do I need to re-enroll?

No! You’ll automatically reenroll in all of your benefits. If you’d like to make changes (e.g. switch from a low to high plan, add a spouse, or add/remove a plan) now is the time to do it!

How do I enroll?

Most enrollment will be handled through our enrollment site: https://get.sdpeba.org/fy22active, through SAP, or through our phone line 888-315-8027. If you’re interested in a plan, you can also refer to that plan’s section of this guide and that will outline how to enroll and give you additional information when it comes to using the plan.

Where do I find more info?

Contact us by calling 888-315-8027, or you can email info@sdpeba.org. You can also check out our self-support site: https://support.sdpeba.org/hc/en-us We also post informational blogs here: https://news.sdpeba.org

FY22 Rate Sheet

(Medical rates are 24 cycle. Dental, Vision, Legal, and Identity Protection are 26 cycle.)

MEDICAL SHARP Saver HMO Deductible Plan (3.4% increase)

KAISER** Deductible Plan

SHARP Select Plan

(6.2% increase)

(3.4% increase)

KAISER** Traditional Plan

CIGNA** Select Plan

SHARP Classic Plan

(6.1% increase)

(5.7% increase)

(3.4% increase)

CIGNA** HMO Plan

(5.7% increase)

CIGNA** Access Plan

(5.7% increase)

EE Only

$202.69

$223.35

$228.77

$290.18

$289.79

$335.16

$587.41

$643.39

EE & Spouse/DP

$442.99

$489.13

$500.11

$635.48

$634.55

$733.10

$1,279.86

$1,409.05

EE & Child(ren)

$384.43

$424.05

$433.98

$551.34

$550.64

$636.13

$1,110.36

$1,222.44

Family

$614.63

$678.97

$693.92

$882.13

$881.02

$1,017.35

$1,776.59

$1,955.91

DENTAL MetLife Dental HMO

EE Only EE & Spouse/DP EE & Child(ren) Family

VISION VSP Vision Plan (0% increase)

EE Only EE & Spouse/DP EE & Child(ren) Family

$8.54 $15.00 $15.00 $24.69

MetLife Dental PPO

(0% increase) $9.69

EE Only EE & Spouse/DP EE & Child(ren) Family

$18.88 $18.88 $26.98

LEGAL MetLife Legal Plan (0% increase)

EE Only EE & Spouse/DP

$10.80

EE & Child(ren) Family

$10.80

(0% increase) $30.69 $57.46 $66.00 $96.23

IDENTITY PROTECTION Aura Identity Guard

Individual Plan Family Plan

$5.75 $9.90

$10.80

For information and details on SDPEBA sponsored plans including: Sharp, MetLife Dental, MetLife Legal, VSP Vision, Purchasing Power, Aflac, Unum Long Term Care, Life Insurance, Nationwide Pet Insurance, Identity Guard, and Liberty Mutual Auto & Home Insurance, visit:

Website: www.SDPEBA.org 5

Phone: 888-315-8027

FY22 Rate Sheet (Rates listed below are 26 cycle)

AFLAC ACCIDENT PLAN EE Only EE & Spouse 1 Parent Family 2 Parent Family

Low

High

$5.70 $8.83 $9.89 $13.02

$9.95 $15.43 $17.83 $23.30

HOSPITAL INDEMNITY EE Only EE & Spouse 1 Parent Family 2 Parent Family

CRITICAL ILLNESS PLAN Non-Tobacco

Age

18-29 30-39 40-49 50-59 60+

Tobacco

Low

High

$15.23 $29.38 $25.26 $39.41

$28.33 $55.25 $47.12 $74.04

$10,000

$20,000

$30,000

$10,000

$20,000

$30,000

$9.86

$16.06

$22.26

$13.37

$23.07

$32.78

$15.57

$27.49

$39.40

$22.91

$42.16

$61.41

$26.38

$49.10

$71.81

$39.20

$74.75

$110.29

$5.70 $6.91

$7.75 $10.16

$9.79 $13.40

$6.49 $8.67

$9.31 $13.68

$12.14 $18.68

Prices shown are for each enrollee. All dependent children up to age 26 are covered at no additional charge. Coverage is available up to $50,000.

LIFE INSURANCE Age 30 40 50 60

$10,000

$25,000

$50,000

$100,000

$5.35

$11.30

$21.23

$41.08

$7.90

$17.60

$33.96

$66.54

$13.66

$32.07

$62.75

$124.12

$22.14

$53.27

$105.15

$208.92

Only a sample of rates are displayed. Rates shown are for employee or spouse non-tobacco. For a list of all rates, please visit SDPEBA.org/Aflac

*Due to ongoing negotiations, our rates for the City's plans might differ, if you notice a difference, the City's rate sheet supersedes the rates as listed in this guide. ** Questions regarding City-sponsored plans (Kaiser and CIGNA) should be directed to RISK Management at 619-236-5924.

Benefits & Enrolling Note: You do not need to reenroll for any plans. If you were already enrolled in a plan, coverage will automatically continue. You only need to go through the enrollment process if you’re adding/changing a plan. If you’d like to change an SDPEBA plan, call 888-315-8027.

Aflac

•Enroll by going to https://sdpeba.org/AflacEnrollment and follow the instructions there. •Or you can call 888-315-8027 to enroll over the phone.

Best Health

•Head to https://sdpeba.yourbesthealth.com and create an account. If you don’t know your employee ID, call us at 888-315-8027 or email support@sdpeba.org

Identity Guard

•Enroll by calling us 888-315-8027 •Once we’ve got you set up, Aura Identity Guard will email you an account activation link.

Liberty Mutual

•Enroll by contacting SDPEBA’s Liberty Mutual agent, Annabel Buso. Her email is Annabel.Buso@LibertyMutual.com and her phone number is 760-795-0451.

MetLife Dental & VSP Vision

•To enroll for SDPEBA’s dental and vision plan call 888-315-8027 •Once you’ve enrolled, your effective start date is August 1st. •If you select SDPEBA’s dental or vision plan, your premiums will be deducted through a post-tax payroll deduction. Enrollment in SDPEBA’s plan does not automatically cancel your City dental or vision plan, you must use the City’s online enrollment system to cancel those deductions.

MetLife Legal

•You can enroll by calling us at 888-315-8027

Pet Insurance

•For cats and dogs, head to https://sdpeba.org/active-benefits/pet-insurance and click “Get Pet Insurance Quote” on the right-hand side. •For exotic pets call 888-899-4874

Purchasing Power

•Head to https://sdpeba.purchasingpower.com and click “sign up” For Employer/Organization type in “SDPEBA”

Sharp Health Plans

•You can enroll through the City’s SAP system between June 14th and June 25th. •Once you’ve enrolled, your effective start date is August 1st.

Unum Long Term Care

•You can enroll by contacting SDPEBA’s Unum agent, Will Stover. His email is Will@sdpeba.org.

SAN DIEGO

PEBA

VIRTUAL

BENEFITS

FAIR

Join us ONLINE for our VIRTUAL BENEFITS FAIR! •Attend Live Events •Download Forms & Brochures

•Chat 1-on-1 with Representatives •Visit Virtual Booths

WEDNESDAY, JUNE 9th 9am  5pm TO LEARN MORE & REGISTER VISIT

WWW.SDPEBA.ORG/FY22ACTIVE Exhibitors

Aflac AFSCME 127 Best Health CalCoast Credit Union CalPERS Children’s Physicians Med. Group CIGNA City of San Diego Delta Dental

HealthEquity Identity Guard Kaiser Permanente Liberty Mutual MEA MetLife Dental MetLife Legal National University Nationwide Pet

Principal Financial Group Purchasing Power Risk Management SDPEBA Sharp Community Med. Group Sharp Health Plan Sharp Rees-Stealy The Hartford VSP

Contact SDPEBA Phone: Text: Fax:

888-315-8027 619-547-1600 619-431-3078

Email: Website: Address:

info@sdpeba.org www.sdpeba.org 9620 Chesapeake Drive, Ste 104 San Diego, CA 92123 8

OPEN ENROLLMENT

This year, we’re hosting our benefit materials online. That means things like enrollment forms, brochures, our benefit guide, and other resources are all just a click away. We’re making this change in order to reduce our impact on the environment, to make it easier to find information concerning your benefits, and to prevent the spread of the Corona Virus. We understand that online resources don’t work for everyone. In order to accommodate that, we’re hosting a curbside material pickup program at our office:

Weekdays June 1st - June 25th | 9am to 5pm Special Saturday pickup June 5th |10am to 2pm

In order to make good on our promise not to overprint we ask that you fill out our “Materials Pickup Request” by heading to www.sdpeba.org/fy22active and clicking the Materials Pickup button. From there you’ll be able to request specific forms and select a time window you’ll be available. Once you’ve requested your forms all you need to do is pull up to our parking lot during your time slot and one of our benefit representatives will bring you your order! If you’re having any difficulty with the form, or if you have any questions relating to open enrollment, your benefits, or material pickup day, please give us a call at 888-315-8027, so we can help you out!

FIND A PROVIDER Sharp Classic Choice Network

1. Go to www.sharphealthplan.com/findadoctor 2. Choose the Choice network from the drop-down. 3. Enter your zip code and type of provider to narrow your search. Press SEARCH.

Sharp Select Premier Network

1. Go to www.sharphealthplan.com/findadoctor 2. Choose the Premier network from the drop-down. 3. Enter your zip code and type of provider to narrow your search. Press SEARCH.

Sharp Saver Premier Network

1. Go to www.sharphealthplan.com/findadoctor 2. Choose the Premier network from the drop-down. 3. Enter your zip code and type of provider to narrow your search. Press SEARCH.

Dental HMO

1. Go to www.metlife.com 2. Select Find A Dentist 3. Select Dental HMO/Manged Care. 4. Enter Zip, City, or State. Click Find a Dentist. 5. From the ‘Select Your Plan’ drop down menu select Met100. Click GO!

Dental PPO

1. Go to www.metlife.com 2. Select Find A Dentist 3. Select PDP Plus 4. Enter Zip, City, or State. Click Find a Dentist.

1. Go to www.vsp.com 2. Under “Find a VSP Doctor” enter your zip code and click “Search”. 3. The next screen will provide you with a list of providers and the ability to refine your search. SDPEBA is on the Choice Network.

To find a provider for CIGNA, Delta Dental, or Kaiser, please consult the plan brochures available at www.sdcers.org 10

AFLAC

About this benefit

Unlike other insurance plans, Aflac does not pay your medical bills, it instead pays you. If you’re hospitalized, diagnosed with a critical illness, or suffer an accident, Aflac provides funds directly to you to help pay for things healthcare doesn’t. Even if you have the best possible health insurance on the market, it won’t cover the expenses outside of the hospital or any other costs outside of your explanation of benefits. Aflac does. You can use the money provided by an Aflac claim to pay your rent, supplement your income if you miss work, or to simply help out during a stressful time. With both the cost of living and average cost for healthcare on the rise, supplemental insurance like Aflac can help provide a financial safety net when you fall on hard times. If an injury causes you to miss work or if you are diagnosed with a critical illness and have to put your life on hold, Aflac can help you stay on your feet so you’re not burdened with debt because of something out of your control.

Protect you and your family’s finances in case of a crisis.

Aflac also doesn’t just payout when you’re sick or injured. Aflac also pays policy holders directly for wellness. Think small events like having blood work done, getting a prescription filled, or even going to the chiropractor. Once a year, Aflac will pay you to have preventative exams, get a checkup and just take care of yourself, to view all of Aflac’s Wellness benefits click here.

Aflac helps cover what health insurance doesn’t so you can focus on recovery.

Aflac What does the benefit do?

SDPEBA offers four Aflac supplemental insurance plans: Accident, Critical Illness, Hospital Indemnity, and Whole Life insurance. While each of these plans function similarly, they each have some unique qualities/areas of coverage. The Accident plan covers you for on-the-job and off-the-job injuries. Things like broken bones, cuts, and the physical therapy needed to recover after an accident are all covered under the accident plan. The Critical Illness plan covers life changing illnesses. Things like cancer, strokes, and heart attacks. The Hospital Indemnity plan covers… well a lot. Things like prescriptions, doctor visits, being admitted into the hospital, surgery, overnight stays, and ambulance rides. The Whole Life Insurance plan offers employees life insurance with fixed premiums for the rest of their life. Employees can elect up to $100,000 worth of coverage with guaranteed issue, meaning no medical questions or physical exams.

Who should get it?

Aflac’s different plans make it well suited for anyone who is looking for supplemental insurance. If your hobbies or work involve physical activity, you should consider the accident plan. If you have a family history of any critical illness, you should consider the critical illness plan. If you have upcoming surgeries or want to be safe, you should consider the hospital plan.

How do you use it?

After you’ve signed up for Aflac, we recommend you familiarize yourself with your plan’s coverage. Then, well, there’s not much for you to do! Once you qualify for coverage all you need to do is submit a claim to us by emailing claims@sdpeba.org. For more information on submitting claims, click here.

How do you enroll?

In order to enroll, you simply need to head to our Aflac enrollment page between April 1st and June 30th. If you’d like more info you can call us at 888-315-8027 or read more about the plans here:

Accident

Critical Illness

Hospital Indemnity

Life Insurance

Rates/Changes/Other logistic info

There are no rate changes for FY22 for any of our Aflac plans. All dependent children up to age 26 are covered at no additional charge. Coverage is available up to $50,000. Enrollment in these plans is available until June 30th. Once enrolled, coverage begins on August 1st.

When life gives you setbacks, Aflac is here to help you make a comeback.

This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

We’ll Help Cover Your Blind Side Have your employees been blindsided by medical bills, even though your company provides health insurance? That’s why there’s Aflac. We help with expenses health insurance doesn’t cover. Isn’t it time to join our program? To learn more, contact SDPEBA 888-315-8027 Info@sdpeba.org

Z200525A

Aflac | Aflac New York | WWHQ | 1932 Wynnton Road | Columbus, GA 31999

Exp 8/21

Get help with expenses health insurance doesn’t cover

Aflac is help with expenses health insurance doesn’t cover: Health insurance pays doctors and/or hospitals. Aflac pays cash directly to you, unless you tell us otherwise. You can use your benefits your way — whether it’s for leftover medical bills or any other expense that affects your financial security.

Aflac belongs to you, not your company: When you have an Aflac policy, it’s yours. You own it. Even if you change jobs or retire, you can take your Aflac policy with you.

Aflac is affordable: Our products flex to meet individual needs and budgets. We’ll be there to help in your time of need when you’re hurt or sick. And, Aflac rates don’t go up even when you file a claim.

Aflac processes claims quickly: Aflac provides prompt service and fast payment of qualified claims to help you pay your bills. While you’re focusing on your health, we focus on getting you cash as quickly as possible.

Aﬂac is accountable: Aﬂac has been named to Ethisphere’s list of World’s Most Ethical Companies1 14 years in a row, FORTUNE’s list of 100 Best Companies to Work For 2 for 20 consecutive years and FORTUNE’s list of World’s Most Admired Companies3 19 times.

Aflac cares: For more than 25 years, Aflac has dedicated its heart and philanthropic mission to helping children with cancer. Since 1995, Aflac has raised and donated more than $140 million to the Aflac Cancer and Blood Disorders Center of Children’s Healthcare of Atlanta. Much of Aflac’s support comes from its independent sales agents who contribute donations from their monthly commission checks, as well as Aflac employees who contribute each month through payroll deduction. To learn more or to apply for coverage contact: SDPEBA 888-315-8027 | Info@sdpeba.org

Ethisphere Magazine, Quarter 1, 2018; 2FORTUNE 100 Best Companies to Work For and 3World’s Most Admired Companies are registered trademarks of Time Inc. and are used under License. FORTUNE and Time Inc. are not affiliated with, and do not endorse products or services of Aflac coverage is underwritten by Aflac. In New York, coverage is underwritten by Aflac New York. WWHQ | 1932 Wynnton Road | Columbus, GA 31999. Z181172 EXP 55/21 /21 Z181172 EXP 1

Aura

IDENTITY GUARD

About this benefit

Over the past five years there have been over 11.7 billion significant individual data breaches. The data exposed in these breaches is often collected, traded, and sold on the dark web. Once your information is out there, it is incredibly difficult to erase it. Some of the sensitive information exposed in breaches are things like passwords, security questions/answers, and sensitive personal information (like addresses and social security numbers). This information is usually stored on the dark web and sold by information brokers to scam artists or identity thieves who use this information to target you and your loved ones. With all of us spending more time online recently, now more than ever it’s important to put stopgaps in place to protect you from cybercrime. Which is why SDPEBA partnered with Aura’s Identity Guard.

Protect you and your family’s information.

Who should get it?

This plan is great for anyone who uses the internet to pay their bills, shop, or for personal banking, which... is most of us these days. Anyone who keeps personal information online should highly consider this plan. You should also consider this plan if you’re worried about the digital safety of your family. This plan is also great for those who are uncomfortable with computers or digital safety as the Identity Guard team can help educate you on how to keep yourself safe and protected online. Additionally, since cybercrime is unfortunately always evolving, this benefit is great to future proof your online data to prevent issues coming later, meaning the plan is also great for techies who want to stay one step ahead.

Aura Identity Guard What does the benefit do?

How do you use it?

Once a threat is identified, you’ll receive a notification and in extreme cases Identity Guard will assign you a personal case manager who will guide you through the steps they’re taking (and the steps you should take to be better protected).

Once you’re enrolled and your plan has begun, you’ll receive an email to set up your account. You’ll need to enter your personal information to get started. Once your account is set up, you’ll be taken to your dashboard. From here you’ll have access to alerts, resources to protect yourself online, and a threat quiz to help Identity Guard better protect you.

Identity Guard uses IBM Watson to constantly scan for your information across the internet and provides you with quick alerts if anything becomes compromised.

On top of general threat detection, Identity Guard can help monitor your credit score, your home title, and your social media presence. The family version of this plan can also be shared with your children and up to eight adult family members. Meaning, you can add your children to help them stay safe on social media, and your parents/grandparents who might need more support preventing scams. Beyond that, Identity Guard offers software and programs to help prevent cybercrime from even happening. New to this year, Identity Guard offers virus protection software and services that can help limit the number of spam calls and emails you receive, which can help stop criminals from getting access to your information in the first place. In the unfortunate incident that they do manage to take your information and use it, your Identity Guard policy offers up to $1,000,000 in compensation to repay any money that is stolen from you. Between identifying and managing threats, threat prevention, and compensation in the case of a successful cybercrime, Aura covers their policyholders from all angles.

Identity Guard is extremely intuitive and easy to use, regardless of if you’re using the app or the online site.

In order to have full access to Identity Guard’s program, you will need to verify your identity. Once you’ve done that you’ll be able to access all of Identity Guard’s features. You can also customize what notifications you would like to receive, how you’d like to receive them, and the specific software you’d like to use all through the drop-down menus at the top of your dashboard.

How do you enroll?

You can enroll through our website or over the phone. Head to https://get.sdpeba.org/fy22active, from there you’ll find a form you can fill out to enroll. If you’d rather call, you can reach us at 888-315-8027. Once we’re finished, your effective start date is the next pay period, meaning once you’re enrolled, you’ll have access within 2 weeks! Once you have access, you’ll receive a welcome email from Aura that will lead to your account setup page. After that, you’ll have access to all of Identity Guard’s features!

There’s a victim of identity theft every 10 seconds. Don't be next. Rates/Changes/Other Logistic Info

Identity Guard has a year-round enrollment window. Meaning you can enroll whenever you’d like! Aura has recently updated their coverage to include additional support as opposed to last year. The new plan now offers:

Anti-Virus Software Robo-call & Robo-Text Protection Data Broker List Monitoring

Anti-Adware Software Junk Email Protection And More

The bundled software and extended coverage are in line with Aura’s new plan to help prevent identity theft and other cybercrime from becoming a problem in the first place. If you’re interested in learning more, changing your plan, or signing up, please give us a call at 888-315-8027. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

Ultimate protection for what’s most important With every aspect of our lives represented online, your personal information and identity are constantly at risk. Between working remotely, online shopping and banking, medical records, and social media, our need for protection is greater than ever. Data breaches, hacking, and identity theft are on the rise — and it’s a problem that affects everyone, regardless of gender, age, race, income, and location.1 Today, cybercriminals are more skilled at spotting even the smallest vulnerabilities than ever before. While á la carte identity theft protection can protect you in some areas, there is only one product that can provide complete peace of mind with the maximum protection for every area of your life.

The Aura™ Identity Guard® Digital Halo The Aura Identity Guard Digital Halo is the first and only comprehensive, integrated Cyber Wellness solution on the market that includes identity theft security, data privacy tools, VPN, and device intrusion protection undera one roof – for the most innovative, robust, user-friendly cybersecurity experience available.

Identity Guard Identity Secure

Powered by IBM® Watson™ AI, Identity Secure provides 24/7 identity theft monitoring and alerts you to Dark Web activity, new accounts, and other suspicious activity. Identity Secure stops fraud and identity theft in its tracks within minutes, as well as keeps your children safe online through intuitive cyberbullying capabilities and social media monitoring.

Identity Guard Privacy Secure

Privacy Secure puts you in control of your personal data. Your information is proactively removed from data broker/aggregator lists and people-finder sites, which reduces unsolicited, preapproved credit offers and other spam, and unauthorized use of your personal data.

Identity Guard Device Secure

Protecting your physical devices – including computers, tablets, and mobile phones – has never been easier. Device Secure shields your personal data through VPN, safe browsing, and robust anti-virus tools. With Device Secure, you’ll enjoy around-theclock, fortress-like protection while you browse safely, avoiding malware, ransomware, spyware, and viruses.

Can you afford to be at risk?

Out-of-pocket fraud costs doubled from 2016 to 2018 to $1.7 Billion2

A personal identity is stolen every 2 seconds3

U.S. data breaches collectively leaked over 11.7 billion records from 2016-2019.4

The Ultimate Plan features you need to stay safe.

IDENTITY SECURE FEATURES Near Real-Time Alerts

Social Insight Report

Auto-On Monitoring

Lost Wallet Protection

Credit and Debit Card Monitoring

3 Bureau Credit Monitoring

Bank Account Transaction Monitoring

3 Bureau Annual Credit Report

401k Investment Account Monitoring

Monthly Credit Score

Student loan activity alerts

Credit Score Tracker

High Risk Transaction Monitoring

Cyberbullying and Social Media Monitoring

Bank Account Opening & Takeover Monitoring Address Monitoring

DEVICE SECURE FEATURES VPN

Criminal Record Monitoring

Anti-Virus

Fictitious Identity Monitoring

Anti-Adware

Home Title Monitoring

Dark Web Monitoring

Safe Browsing Software

PRIVACY SECURE FEATURES

Human-sourced intelligence

Robo-call/Robo-text Protection

Compromised credentials

Device/Cookie Tracking Protection

Stolen fund reimbursement

Data Broker List Monitoring/Removal

401(k) and HSA reimbursement

E-mail Solicitation/Junk Mail Prevention

$1M Identity Theft Insurance Security Freeze Assistance Threat Alerts Risk Management Score

Ultimate Pricing Plans

Aura Identity Guard Digital Halo is the only solution on the market that provides comprehensive protection for every area of your digital life. Identity Theft Resource Center. “2019 End-of-Year Data Breach Report.” January 2020. Poneman Institute. “2016 Cost of Data Breach Study,” June 2016. 3 2014 Identity Fraud Study. Javelin Strategy & Research. 2014 4 “2019 Identity Fraud Research Study.” Javelin Strategy & Research. March 2019. 1

Pricing

Ultimate Individual

$5.75/bi-weekly

Ultimate Family

$9.90/bi-weekly

Ath Power Consulting. Independent Study. February 2018.

Sharp

BEST HEALTH

About this benefit

Sometimes, making healthy lifestyle choices isn’t easy! There’s usually no immediate reward, it can seem time consuming, and also it requires effort, yuck! But of course, we know that’s not entirely true. There are a lot of small positive life choices we can all make to live healthier, and these all come with a host of benefits, like relieving stress, clearing your mind, or just feeling better. The real problem is motivation and that’s where SDPEBA and Best Health can come in to help!

Earn rewards for living healthy!

Resources you can use to reach your goals! Personal health coaching Mobile app Online learning modules

Sharp Best Health What does the benefit do?

How do you use it?

Best Health is a program designed to promote and reward healthy lifestyle choices and health education. The program can be accessed at https://sdpeba.yourbesthealth.com or through their Best Health mobile app.

Once you’re signed up, you’ll have access to a wellness assessment test and a wide array of wellness education articles that explain best practices and tactics for stress management, healthy eating, and more!

From there you can sign up and start participating in all sorts of health-based activities, such as seminars, one-on-one health coaching sessions, and meal planning! Most of the activities on their site also give points which are converted into raffle tickets. Raffle winners can win gift cards, donations to their favorite charities, and other awesome prizes. This year alone there is over $10,000 of prizes up for grabs.

From the main page you’ll also be able to sign up for one-on-one health coaching sessions. In order to utilize this feature you will need to sign up in advance, we also recommend you take the Wellness Assessment prior to signing up so your coach can effectively help you!

Who should get it?

How do you enroll?

This benefit is free for all public city employees! So, everyone should sign up and start taking advantage of Best Health! Especially since you’re able to enter the raffle by just taking one quick health assessment! Beyond that it’s especially great for people who need some extra motivation to start making healthier choices or want someone to hold them accountable!

As you read articles and utilize the various features you’ll earn points toward Best Health’s raffles. If you’d like more information about that, check out this article.

Enrolling is simple, all you need to do is head to https://sdpeba.yourbesthealth.com and create your account. You can enroll at any point in the year, and it is completely free! If you’re having trouble or don’t know your employee ID, you can contact us at 888-315-8027 or email us at support@sdpeba.org .

That being said, this app is great even if you have healthy routines in place because it can help you track them and work more efficiently. Plus, there are all sorts of discounts and classes hosted on the app, so you might find new programs that will help you!

No-cost wellness program Best Health is a comprehensive wellness program available to all San Diego Public Employee Benefit Association (SDPEBA) members at no extra cost. Offering robust online wellness tools, interactive learning modules, one-on-one health coaching and more, Best Health provides resources you can use to reach your health goals. Visit sdpeba.yourbesthealth.com or download the Best Health app to learn more. Coaching and support • Get free, personalized one-on-one coaching in a six-week, phone-based program. • Make positive changes during weekly 30-minute sessions with our Nationally Board-Certified Health Coaches. • Define your personal goals and co-create an action plan to eat healthier, increase physical activity, manage stress, quit tobacco use or achieve a healthy weight. • Connect with our local Best Health team members to support your wellness journey.

Mobile app and portal • Complete your Wellness Assessment and receive customized recommendations from the Wellness Advisor. • Build your Wellness To-Do List to promote action and self-accountability. • Engage in a variety of Learning Modules to increase your health IQ and build skills in healthy eating, sleep, emotional well-being, exercise and more.

Fitness and well-being discounts • Save 15 – 50% on wellness products through ChooseHealthy. • Stream hundreds of fitness classes with Studio SWEAT onDemand® for $9 per month (50% off the regular subscription fee). • Access 10,000+ participating fitness centers nationwide for $25 a month through the Active&Fit DirectTM Program (plus a one-time enrollment fee and applicable taxes).

Choose Sharp Health Plan | sharphealthplan.com/SDPEBA

Wellness Incentive Program SDPEBA offers a points-based wellness incentive program to support you in achieving your best health, your way! More than $10,000 in e-gift cards10 You can redeem your Tango rewards card for select digital gift cards from top-name brands like Amazon®, REI®, Whole Foods Market ®, Starbucks® and iTunes®. You may also use your rewards card to support non-profit organizations like water.org®, Habitat for Humanity®, American Cancer Society® and more.

When you earn

You get a chance to win $50

50 Points

(15 available each month)

$100

100 Points

200 Points

$50 e-gift card

$100 e-gift card (5 available at mid-year)

$200

$200 e-gift card (5 available at the end of the plan year)

Getting started is as easy as 1-2-3 1

Join Sign up at sdpeba.yourbesthealth.com or download the Best Health mobile app today. Participate Log in and choose which healthy activities you’d like to participate in. Earn Points Complete your healthy activities to earn points, and get a chance to win an e-gift card! For more information Contact SDPEBA at 1-888-315-8027 to learn more. 10

The Best Health program is open to all active City of San Diego employees with a maximum of two reward cards per plan year. The plan year is August through the following July (and then the raffles reset).

Liberty Mutual

HOME & AUTO

About this benefit

Let’s be honest, the world is a bit unpredictable. Natural disasters, theft, and accidents can happen to anyone completely unprompted. These issues can lead to thousands of dollars’ worth of property damage and your entire livelihood being thrown off overnight. If these things happen, can you financially recover? In order to help with these unexpected costs, SDPEBA partners with Liberty Mutual to offer Home and Auto insurance at a discounted group rate.

What does the benefit do?

Since you can customize your coverage, there’s a lot that Liberty Mutual can do for you. The six packages offered through Liberty Mutual are Home, Auto, Motorcycle, RV, Boat, and Umbrella insurance. These plans are similar to the ones you can get outside of SDPEBA membership, however through SDPEBA you’ll be able to maintain a discounted group rate and utilize payroll deduction with no added charges or down payments.

Safeguard your property and belongings at a discounted group rate.

How does it work?

It’s important to note that since these plans are customizable, it is hard to give figures that you might see when you sign up for this insurance. Suffice it to say, there are two numbers you need to pay close attention to while signing up: deductibles and coverage. Deductibles are the amount you’ll owe for damages or the amount available to replace property before insurance kicks in. Better put, it is the portion of the damages you are responsible for. So, if your $1,200 laptop is stolen, and you have a $500 deductible, once you submit your claim and it is processed, you’ll receive $700 from Liberty Mutual. Each “event” and each category of coverage carries individual deductibles, meaning if you get in a car accident and your insured collection of first print Lionel Richie vinyls are damaged by the passenger side airbag, both the car and your albums go under one event but qualify as two separate categories when it comes to paying deductibles and receiving coverage.

Liberty Mutual Home & Auto Who should get it?

If you own a car, you (basically) need insurance, it’s that simple. So, why not go through SDPEBA so you can get a discounted rate and a specialist who works directly for you. Renters, condo dwellers, and homeowners should all consider Liberty Mutual’s home insurance. You never know what’s going to happen, and if something does go wrong, you never want to be liable. Replacing personal property after a natural disaster (such as a fire or earthquake) is expensive and just plain difficult, home insurance helps mitigate that.

Home Insurance

Liberty Mutual offers coverage for: renter’s, condo, and homeowner’s insurance. Renter’s insurance covers personal property within your home, condo insurance covers personal property and internal structures within your home (e.g., it does not cover your neighbor’s walls or the public pool), and homeowner’s insurance covers your personal property as well as the home’s interior and exterior structure. Each of these also offer coverage for loss of use (covers the expenses of temporarily moving out because of a natural disaster), liability (you make a mistake that leads to damages), and medical (someone gets hurt on your property).

Auto, Motorcycle, RV, and Boat Insurance

Your policy covers you in case of a collision, liability (you damage a person or property), and events that are “other than collision” (e.g., your car is stolen, damaged by natural disasters, or vandalized).

Umbrella Insurance

Umbrella insurance goes above and beyond the previous two and adds another layer of liability coverage in case something goes wrong and you’re at fault. Umbrella insurance can be quite complicated, just think of it as another layer of protection should you need to pay for damages/legal fees.

How do you use it?

Once you’re signed up and you have your insurance settled and started, you’re set! If a qualifying event happens, all you need to do is file a claim. You can do that online https://www.libertymutual.com/claims-center; through Liberty Mutual’s app; or by contacting Annabel, Annabel.Buso@LibertyMutual.com.

How do you enroll?

You can enroll year-round by contacting Annabel Buso, SDPEBA’s dedicated Liberty Mutual Agent. Her phone number is 760-795-0451 and her email address is Annabel.Buso@LibertyMutual.com. Annabel is great at what she does and will happily set you up with a no-obligation quote or help you talk through your options when it comes to protecting your livelihood.

Rates/Changes/Other logistic info

There are no group rate or coverage changes to Liberty Mutual in FY 22. However, your quote may vary based on if you choose to make changes to your existing coverage and you’re currently in the process of renewing. Liberty Mutual also offers optional add-ons of coverage, such as 24/7 roadside assistance, unlimited rental car coverage in case of damages, medical payment coverage, uninsured/underinsured motorist coverage and more. If you’re interested, but have questions, feel free to contact Annabel via her phone number, 760-795-0451 or email, Annabel.Buso@LibertyMutual.com.

“

Renter's insurance gives me peace

mind

case

something goes wrong in my house while I'm away. It costs less than $15 a month to have the peace of mind knowing that

belongings

are

protected in case of burglary, fires, and earthquakes.

Switch to customized insurance. At Liberty Mutual Insurance, we customize your insurance so you only pay for what you need. In addition, as a member of SDPEBA you’re also eligible for special savings and may qualify for our Multi Car and Multi Policy discounts.1 <sup>

Contact me for your free quote. Annabel Buso Sales Representative II 1615 Murray Canyon Rd Ste 200 San Diego, CA 92108 (760) 795-0451 Annabel.Buso@LibertyMutual.com www.libertymutual.com/sdpeba Client # 114849 CA Lic.#0807413

</sup>

How do I know which coverages and deductibles are right for me?

Benefits your customers love. Accident Forgiveness2 Your price won’t go up due to your first accident. Violation Free Discount1

We’ll take the time to go over all your options and customize a policy just for you so you only pay for what you need.

Customers can earn a discount for 3 years of violation-free driving. Get an even larger discount when you reach 5 years.

Why choose us. You’ll work with a dedicated insurance agent who’s an advocate in your corner.

24-Hour Roadside Assistance3 If your car breaks down, we won’t leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance will get you moving again.

You’ll get all the coverage you need—and nothing you don’t. We’ve been helping people like you protect what they love for more than 100 years.

Preferred Contractor Network4 If your home incurs a covered loss, we’ll connect you with reliable local contractors who can fix your problem quickly and at a competitive price. We’ll even guarantee the contractor’s work for three years.

We’re a Fortune 100 company that’s rated “A” (Excellent) by A.M. Best Company.6

Always there for you.

Personal Property Replacement Cost Coverage5

When you have a claim, we take care of it. It’s that simple. You can call us or go online 24/7.

In the event of a covered loss, we’ll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today’s market.

And our mobile app makes things even easier:

How do Liberty Mutual’s rates compare?

• Pay your bill

As an a member of SDPEBA you may qualify for special savings6 on your auto and home insurance. A Sales Representative will help ensure you get all the discounts you’re eligible for.

• Report, track, and manage your claims

• Update your policy

Find us at:

What are my payment options? We offer several convenient options. Plus, you get special savings for paying your bill in full or choosing automatic payments, such as Electronic Funds Transfer. You can opt to:

AUTO

•

Have your payments deducted automatically from your checking/savings account.

•

Pay monthly, quarterly, or in one lump sum.

HOME

RENTERS

UMBRELLA

MOTORCYCLE

CONDO

WATERCRAFT

Coverage provided and underwritten by Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA 02116. 1 Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 2ACCIDENT FORGIVENESS NOT AVAILABLE IN CA. Terms and conditions apply. 3Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits. 4Availability of Preferred Contractor Network may vary by state. 5Optional coverage. Subject to a deductible. May vary by state. 6A.M. Best Rating Services, 2020. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC. ©2021 Liberty Mutual Insurance 14272917 ~

PER909210 CW 2021/02

Dental plans designed to keep you smiling.

MetLife

DENTAL

About this benefit

There’s no doubt about it, dental work is expensive. Without quality dental insurance you can end up spending a lot of money for something as mundane as a filling. And the costs add up too! Sometimes just a routine cleaning can become a root canal or something even more serious. And that seriously affects your wallet. Some dental plans even end up costing more than you save, especially when you sign up as an individual. In these cases, it's best not to even have dental insurance, which puts you at risk if something happens and you end up needing oral surgery. All of this is why SDPEBA partners with MetLife to provide its members with access to two unique plans built specifically with you in mind.

Why MetLife? Extensive provider network The MetLife dental network includes over 146,000 providers, so finding the right dentist is easy.

Flexibility to see any dentist Flexibility to visit in or out-of-network providers. Most cleanings and exams are covered 100%.

Cost Savings

MetLife members typically have 30-45% less fees than the average person.

MetLife Dental Which plans are offered?

The first plan we offer is an HMO (Health Maintenance Organization) plan, which features a lower monthly premium, no annual max payout, and a detailed copay system. HMO’s are notably less flexible than the PPO plan as you have a limited selection of dentists and a more rigid copay plan, but are designed that way intentionally to keep prices down. The second plan we offer is a PPO (Paid Provider) plan, which costs more per pay period, but gives you the freedom to choose your dentist and features a coinsurance model (which means you pay a percentage of your bill that varies based on the care you receive). This PPO also has a $50 deductible for some types of care, as well as an annual maximum limit on care MetLife will pay for. PPO’s are one of the most flexible types of insurance plans and are designed to save you money and give you the ability to shop around and do your own research for the dentist that is best for you. This plan also gives you the ability to find specialists on your own, meaning you don’t even need a referral from your dentist. For a more in-depth breakdown on the differences between these two plans check the next page!

How do you use it?

After your plan’s effective start date (August 1st), you can head to MetLife’s site and make an account. Once you’ve made an account, you’ll be able to search for in-network dentists and select an in-network provider. After that, it’s finally time to start utilizing your benefits. If you need support when it comes to creating a MetLife account, click here. If you signed up for the HMO plan, you will need to choose a dentist to be your primary provider before you can start receiving care for help on doing that, click here.

Rates/Changes/Other logistic info

There are no rate changes for either dental plan.

There is however a coverage change for the PPO plan. Under the PPO plan the plan year max is increasing from $2,000 to $2,250 and the ortho lifetime maximum is increasing from $1,500 to $2,000. This essentially means you’ll have a higher ceiling before you have to begin paying out of pocket for standard dental care and orthodontics.

Which plan is best for me?

Each plan offers different benefits for different cases. If you don’t mind a more expensive rate and value a lot of flexibility, the PPO is the right option for you. If you don’t mind the restrictions outlined in the HMO’s summary of benefits and want a lower rate, the HMO is right for you. If you’re still torn, consider how often you plan on going to the dentist and what kind of services you might need. If you are going to need a lot of services, which would help you save money in the long run? Also consider deductibles, dental emergencies, ortho, and whether or not you’ll have access to coverage. We are happy to help walk through the options with you in more detail as well, you can contact us via our support page, info@sdpeba.org, or by calling 888-315-8027.

How do you enroll?

In order to enroll in MetLife Dental you simply need to call us at 888-315-8027. Once you’re enrolled, your plan’s effective start date will be August 1st.

MetLife

DENTAL HMO Finding a Dentist

HMOs are a great way to save on premiums, but offer a limited/restricted network. With the HMO plan you need to select an in-network dentist and see exclusively that dentist. You’re able to change your primary dentist once a month. Before signing up for the HMO plan, we highly suggest you check to see nearby providers by following the instructions here.

Paying for Care

The HMO plan uses a very strict copay model in which nearly all types of dental services are priced, you can see the full list in your summary of benefits form. This list is extremely comprehensive and goes into detail about nearly every type of dental service covered, which is great since you’ll be able to know exactly how much a service will cost. It’s also important to note that all visits to the dentist begin with a $5 copay, any additional services add onto that base cost. Your first “prophylaxis” (which is just your regular check-up/cleaning) appointment is covered completely, then you have access to two additional visits for $20 each for that benefit yet (August to July). So, for your first cleaning all you will pay is $5, while your second and third cleaning will cost you $25 each. This chart demonstrates some of the basic way paying for care works.

Code

Service

Copay

D0120

Cleaning (Prophylaxis)

D3331 D1351

Simple Root Canal Sealant

First Visit $0 Up to two additional visits $20 $55 $0

Walk-through of a Typical HMO Dental Visit

When you’re signing up for your HMO plan, you need to select a dentist. Shortly after your effective start date you should receive a dental insurance card in the mail with your plan information as well as your dentist’s name. From there, you just need to schedule an appointment with that dentist. Let’s say you needed a root canal. After scheduling an appointment with your specific dentist, we highly recommend you ask your dentist for a pre-treatment estimate, especially for more complex/expensive services. In this case, you ask for the pretreatment estimate and your dentist tells you the price for a root canal is $55. Once that’s settled and you’ve had your appointment, the bill comes. Since you have the HMO plan and are at your assigned dentist the price is, as the dentist said, $55. But remember that you still have a $5 cost associated with every visit, bringing your total price to $60. SDPEBA highly recommends that you ask for a pre-treatment estimate before all services. Dental care is complicated! Talk with your dentist or us so we can help make sure you’re never blindsided by any bills.

MetLife

DENTAL PPO Finding a Dentist

PPOs are generally more expensive, but offer way more flexibility when it comes to finding a dentist and receiving care. Under our PPO plan you can go to any dentist (however, we recommend you find an in network one here) and receive care.

Paying for Care

The PPO plan uses a more general coinsurance model that categorizes care into four types and then charges you a percentage of the bill based on the category your services fall under. This means its pretty simple to understand, but you might not always have a clear grasp on what you’ll be paying since its percentage based.

Category of Care

In-Network Coinsurance

Out-of-Network Coinsurance

100% 90% 60% 50%

100% 80% 50% 50%

Type A - Preventative Type B - Basic Restorative Type C - Major Restorative Type D - Orthodonia

While the following chart is not comprehensive, this should help you better understand the types of services that fall under each category:

Examples of Each Care Category

Type A Preventative Care

Type B Basic Restoration

Type C Major Restoration

Type D Orthodontia

•Oral Exams •Cleanings •Full-Mouth X-Rays

•Sealants •Root Canals •Fillings

•Crowns •Dentures •Bridges

•Braces •Retainers •Any other related charges

It's also important to note that the PPO plan has an annual $50 deductible that you must pay before you start to receive coverage for your type B and C services as well as an annual maximum of $2,250. Be sure to read your PPO Summary of Benefits to get a full scope of what care will cost.

Walk-through of a Typical PPO Dental Visit

Say you need a root canal. Under the PPO plan you’d check online for a dentist near you and book an appointment. While doing so, we recommend you inform your dentist’s office that you have the MetLife PPO plan and request them to submit a claim form to MetLife so that way you (and your dentist) can get a heads-up on pricing. MetLife will send you an Explanation of Benefits form that outlines how much you’ll be paying. From there you’ll receive the services and then the bill. Since root canals are a Type B service, you’d pay 10% of whatever the cost is at an in-network dentist, for the sake of this discussion let’s say it’s $700 total. You would end up paying $70. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

Dental Insurance

Why is having a good dental plan so important? Because keeping a healthy smile can be important to maintaining overall health.

Maintaining good oral health matters Staying on top of your care is the key to preventing costly problems that can add up. Plus, going to the dentist regularly can help prevent problems that have been linked to stroke or heart disease.1 Visits to the dentist can be expensive. From preventive care to major services, dental insurance can be a smart way to help protect your smile and your pocketbook.

Having dental coverage makes it easier to visit the dentist and can help lower your costs.2 You get support to keep up with dental cleanings and other preventive care that can help you avoid costly problems and live healthier. Now that’s something to smile about.

Regular visits to the dentist are key to having a healthy smile.3

Smiles are free, but they are worth a lot Staying on top of your dental care is the key to preventing costly problems that can add up.

Two valuable plan options for San Diego Public Employee Benefit Association (SDPEBA) members •

Dental PPO

•

Dental HMO/Managed Care

1. American Dental Association; Dentists: Doctors of Oral Health, www.ada.org/en/about-the-ada/dentists-doctors-of-oral-health. Accessed February 1, 2021. 2. Savings from enrolling in a dental benefits plan will depend on various factors, including the cost of the plan, how often members visit the dentist and the cost of services rendered. Office visit co-payment may apply. Please refer to your schedule of benefits. 3. Dental Benefits: Paying for Dental Care, American Dental Association, Chicago, IL. http://www.mouthhealthy.org/en/dental-care-concerns/paying-for-dental-care. Accessed February 19, 2021.

Group dental insurance policies featuring the Preferred Dentist Program are underwritten by Metropolitan Life Insurance Company, New York, NY 10166. Dental Managed Care plan benefits are provided by Metropolitan Life Insurance Company, a New York corporation, in NY. Dental HMO plan benefits are provided by: SafeGuard Health Plans, Inc. a California corporation, in CA; SafeGuard Health Plans, Inc. a Florida corporation, in FL; SafeGuard Health Plans, Inc., a Texas corporation, in TX; and MetLife Health Plans, Inc., a Delaware corporation, and Metropolitan Life Insurance Company, a New York corporation, in NJ. The Dental HMO/Managed Care companies are part of the MetLife family of companies. “DHMO” is used to refer to product designs that may differ by state of residence of the enrollee, including but not limited to: “Specialized Health Care Service Plans” in California; “Prepaid Limited Health Service Organizations” as described in Chapter 636 of the Florida statutes in Florida; “Single Service Health Maintenance Organizations” in Texas; and “Dental Plan Organizations” as described in the Dental Plan Organization Act in New Jersey.

Metropolitan Life Insurance Company | 200 Park Avenue | New York, NY 10166 Lxxxxxxxxx[expxxxx][All States][DC,GU,MP,PR,VI]

ADF# D2061.19

Dental Insurance

What does dental insurance protect? Dental problems can be unpredictable and expensive. For example, did you know that a crown can cost up to $1,698?4 Dental insurance not only helps you pay for your dental care, it can help prevent problems. When your preventive care is covered, you’re more likely to go for cleanings and checkups — this can help you avoid problems before they become too costly or complicated.

Why choose a dental PPO plan:

Why choose a dental HMO/managed care plan:

Advantages. It’s simple:

•

See whatever dentist you want. Even if your dentist isn’t in the network, you can go to him or her — just remember you usually save more when you stay in network.5

•

The plan can help significantly lower your costs2 for hundreds of dental services through a wide network of carefully selected dentists.

•

You have a wide choice of participating dentists. Plus, dentists in the network are carefully selected.6

•

You will usually know exactly what your costs will be.

•

There are no deductibles or annual maximums.

•

There’s no paperwork for you — the dentist handles it. He or she will also coordinate your specialist care.

•

Take advantage of negotiated fees that are typically 30–45% less than average charges in the same area.7

•

Your dentist usually handles claims — which means less paperwork for you

Why should I enroll now? •

Help protect your smile and your wallet. You and your family can get the dental care you need in the coming year, and can save money, too.2

To learn more visit www.sdpeba.org. To enroll using your flex dollars, active employees should use the SAP Employee Self-Service Portal. If MetLife is not an option on your SAP system, please contact SDPEBA at (888) 315-8027, or email info@sdpeba.org.

4. Based on MetLife data for a crown (D2740) in ZIP code 19151. This example is used for informational purposes only. Fees in your area may be different. 5. Savings from enrolling in a MetLife dental benefits plan featuring the Preferred Dentist Program will depend on various factors, including the cost of the plan, how often participants visit the dentist and the cost of services rendered. 6. Certain providers may participate with MetLife through an agreement that MetLife has with a vendor. Providers available through a vendor are subject to the vendor’s credentialing process and requirements, not MetLife’s. If you should have any questions, contact MetLife Customer Service. 7. Based on internal MetLife analysis. Negotiated fees refer to the fees that participating dentists have agreed to accept as payment in full for covered services rendered by them, subject to any copayments, deductibles, cost sharing and benefits maximums. Negotiated fees are subject to change.

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator for costs and complete details.

MetLife

LEGAL

About this benefit

50% of all adults in the United States face some kind of legal problem every year. These can be ongoing issues pertaining to personal or business problems or sudden ones like traffic tickets or being accused of breaking a contract. Dealing with these issues is time consuming, stressful, and expensive. That’s where MetLife Legal comes in, by signing up for a legal plan through SDPEBA, you’re one phone call away from a licensed attorney who can help you with all sorts of legal matters. Whether you’re just looking to write a will and trust, need another set of eyes on a contract, or need representation in court, MetLife Legal has you covered.

Legal services made simple.

What does the benefit do?

The legal plan is relatively straight forward and covers a wide variety of legal services. Civil defense, personal injury, and civil litigation services all have coverage under MetLife Legal. Essentially, should you need representation, MetLife will provide it. But that’s not all MetLife Legal covers, there’s also Real Estate law services, Family law services (think adoption, conservatorships, and name changes), and general document preparation (power of attorney, wills, trusts, etc., click here to learn more). MetLife even offers a legal hotline that you can call for a free consultation! There are dozens of individualized services and restrictions contained within this plan, if you’d like to read about them, click here.

I was able to get my trust done and have peace of mind that my kids will be provided for. 33

MetLife Legal Who should get it?

Since the plan offers such a wide range of coverage and is extremely cost effective, just about everyone should consider MetLife Legal. If you’re planning on creating a will/trust, a health directive, or a power of attorney document, you should definitely consider the legal plan, as the annual cost for the plan is often less than the costs of writing those on your own. Additionally, if you’re getting married, adopting, or buying property, this plan can save you a lot of time and stress. It should go without saying, but of course the plan also works phenomenally if you’re likely to end up in court within the year.

How do you enroll?

You can enroll through our website or over the phone. Head to https://get.sdpeba.org/fy22active, from there you’ll find a form you can fill out to enroll. If you’d rather call, you can reach us at 888-315-8027. You will automatically re-enroll at the start of the next benefit year, if you already have the MetLife Legal Plan and want to continue services, you do not need to re-enroll. Your effective start date once you’ve enrolled is August 1st, 2021.

How do you use it?

Rates/Changes/Other logistic info

There are no changes to rates or coverage for MetLife Legal this year. It's important to note that while the legal plan offers a wide range of coverage there are still restrictions and limitations. Additionally, while most of the services are covered by the cost of your monthly premium, there are some specific cases in which your attorney is entitled to a percent of your reward, such as in a personal injury suit. In these cases, it is on the policy holder to pay these costs. For more information about what is and what isn’t covered as well as information regarding an attorney’s entitled earnings to a case, click here.

On August 1st, once you’re enrolled, you’ll be able to start using the dozens of legal services MetLife offers. We recommend you go through their site: www.members.legalplans.com in order to quickly access all the tools at your disposal. From this site you can work on estate planning, get a case number, find an attorney, and more. If you’d rather work over the phone, you can call in at 800-821-6400. From there you’ll be able to get a list of covered in-network attorneys and a case number. In order to start talking directly with an attorney, you’ll need to get a case number and then contact that attorney directly, and from there, its in your hands! If you’re looking to use your own attorney, you can, they just might be out-of-network. If that’s the case, MetLife will reimburse you some of the legal fees, but you most likely will pay some out-of-pocket costs.

Attorneys at your fingertips

Unlimited initial consultations

Estate planning 34

PRODUCT OVERVIEW

Legal Plans Provides access to legal expertise for both expected and unexpected events.

Legal experts on your side, whenever you need them

Quality legal assistance can be pricey. And it can be hard to know where to turn to find an attorney you trust. For a monthly fee, you can have a team of top attorneys ready to help you take care of life’s planned and unplanned legal events. MetLife Legal Plans, formally known as Hyatt Legal Plans, gives you access to experts who can assist you with a broad range of personal legal needs you might face throughout your life. This could be when you’re buying or selling a home, starting a family, dealing with identity theft, or caring for aging parents. You may be thinking — why would top attorneys need or want to join a legal plan network? But even experienced attorneys need to grow their practice. By providing exceptional service to you and other plan members, they can gain more clients through your referrals. That’s how we’ve established a large network of highly experienced attorneys, averaging 25 years of experience. Reduce the cost of legal services with MetLife Legal Plans.

How it works Our service is tailored to your needs. With network attorneys available in person, by phone, or by email and online tools to do-it-yourself or plan your next move — we make it easy to get legal help. And, you will always have a choice in which attorney to use. You can choose one from our network of prequalified attorneys, or use an attorney outside of our network and be reimbursed some of the cost.1 Best of all, you have unlimited access to our attorneys for all legal matters covered under the plan. For a monthly premium conveniently paid through payroll deduction, an expert is on your side as long as you need them. Whatever you need to protect your family, MetLife Legal Plans is here to make life a little easier.

For added peace of mind, your spouse and dependent children are also covered.

Our attorneys are here to help when you’re: • Getting married • Buying or selling a home • Starting a family • Dealing with identity theft • Sending kids off to college • Caregiving for aging parents • And more

Legal Plans Helping you navigate life’s planned and unplanned events. For $10.80 per pay period, you get legal assistance for some of the most frequently needed personal legal matters —with no waiting periods, no deductibles and no claim forms, when using a Network Attorney for a covered matter. Money Matters

• Debt Collection Defense • Identity Management Services2 • Identity Theft Defense

• Negotiations with Creditors • Personal Bankruptcy • Promissory Notes

• Tax Audit Representation • Tax Collection Defense

Home & Real Estate

• • • •

Boundary & Title Disputes Deeds Eviction Defense Foreclosure

• • • •

Estate Planning

• • • •

Codicils Complex Wills Healthcare Proxies Living Wills

• Powers of Attorney (Healthcare, Financial, Childcare, Immigration)

• Revocable & Irrevocable Trusts • Simple Wills

Family & Personal

• • • • • • • •

Adoption Affidavits Conservatorship Demand Letters Divorce – 20 hours Garnishment Defense Guardianship Immigration Assistance

• Juvenile Court Defense, Including Criminal Matters • Name Change • Parental Responsibility Matters • Personal Property Protection • Prenuptial Agreement

• Protection from Domestic Violence • Review of ANY Personal Legal Document • School Hearings

Civil Lawsuits

• Administrative Hearings • Civil Litigation Defense

• Disputes Over Consumer Goods & Services • Incompetency Defense

• Pet Liabilities • Small Claims Assistance

Elder-Care Issues

Consultation & Document Review for your parents:

• • • •

• Powers of Attorney • Prescription Plans • Wills

Vehicle & Driving

• Defense of Traffic Tickets3 • Driving Privileges Restoration

• License Suspension Due to DUI

• Repossession

E-Services

• Attorney Locator • Financial Planning

• Insurance Resources • Law Firm E-Panel

• Self-Help Legal Documents

• Deeds • Leases

Home Equity Loans Mortgages Property Tax Assessments Refinancing of Home

Medicaid Medicare Notes Nursing Home Agreements

Sale or Purchase of Home Security Deposit Assistance Tenant Negotiations Zoning Applications

To learn more, visit info.legalplans.com and enter access code 5930010 or call 800.821.6400 Monday – Friday 8:00 am – 8:00 pm (EST/EDT). To enroll into the legal plan, please call SDPEBA at (888) 315-8027.

You will be responsible to pay the difference, if any, between the plan’s payment and the out-of-network attorney’s charge for services..

This benefit provides the Participant with access to LifeStages Identity Management Services provided by CyberScout, LLC. CyberScout is not a corporate affiliate of MetLife Legal Plans.

Does not cover DUI.

Group legal plans provided by MetLife Legal Plans, Inc., Cleveland, Ohio. In certain states, group legal plans are provided through insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company and affiliates, Warwick, RI. No service, including consultations, will be provided for: 1) employment-related matters, including company or statutory benefits; 2) matters involving the employer, MetLife, its affiliates, or plan attorneys; 3) matters in which there is a conflict of interest between the employee and spouse/civil union partner or dependents, in which case services are excluded for the spouse/civil union partner and dependents; 4) appeals and class actions; 5) farm and business matters, including rental issues when the participant is the landlord; 6) patent, trademark, and copyright matters; 7) costs and fines; 8) frivolous or unethical matters; 9) matters for which an attorney-client relationship exists prior to the participant becoming eligible for plan benefits. For all other personal legal matters, an advice and consultation benefit is provided. Additional representation is also included for certain matters. Please see your plan description for details. MetLife® is a registered trademark of Metropolitan Life Insurance Company, New York, NY. [ML3w20hrsDivorce]

MetLife Legal Plans, Inc. | 1111 Superior Avenue, Suite 800 | Cleveland, OH 44114

Nationwide

PET INSURANCE

Protect your feathered and furry friends.

About this benefit

When you get a pet, you’re usually thinking about the companionship and the joy they’ll bring into your life. And while you’re probably not ignoring the idea that you’re now responsible for your pet’s health, it might not be front of mind. Just like humans, pets need healthcare too. From dental care to surgery, your dogs, cats, birds, and lizards might need professional veterinary help from time to time, and that can be expensive! Which is why SDPEBA offers pet insurance through Nationwide.

+ 1 in 3

pets may need urgent vet care every year

Who should get it?

Since veterinary bills can be so expensive, every pet owner should consider some form of pet insurance. The best time to get pet insurance is while your pet is young, since Nationwide does not cover pre-existing conditions. Owners of younger pets should also consider getting the wellness benefit since that can help with the cost of vaccines and procedures like being spayed/neutered. Since older pets often need more care, it’s also beneficial to sign up later as well, there just may be restrictions depending on your pet’s age and species. Additionally, there is also a blanket discount if you enroll with multiple pets that applies to all of your policies, so don’t worry about breaking the bank if you’ve got a house full.

Nationwide Pet Insurance What does the benefit do?

Nationwide offers two forms of Pet Insurance for SDPEBA members, My Pet Protection and My Pet Protection with Wellness. Each of these plans covers a percentage of most veterinary bills, access to a 24/7 vet helpline, and discounts on pet activities/toys. These plans also offer additional coverage for emergency boarding and kennel fees, missing pet advertising/rewards, and theft/stray compensation. The main difference is the My Pet Protection with Wellness plan also covers spay/neutering, flea/tick removal, vaccinations, dental cleanings, and more. Active employees also have access to three different percentages of coverage: 90%, 70%, and 50%. The percent you choose is the percent you’ll get back after you pay your vet bill. Meaning, if you have the 90% plan and your pet has a $1,000 surgery, you’ll receive $900 from Nationwide after you submit your claim.

How do you enroll?

Enrollment is year-round and quite simple. For cats dogs, all you need to do is click this link and fill in pet’s information. From there you’ll be able to read explanation of benefits and get a quote for whichever you’re interested in.

How do you use it?

Once you’re enrolled, you can go to any licensed vet to receive care. Once you have the bill, all you need to do is submit a claim. You have a couple of options when it comes to claim submission. You can use the VitusVet app, which allows for easy step-by-step claim submission. You can also access a similar process by logging in through this link here. If you’d rather do paperwork, you can also head to your account on https://www.petinsurance.com/submit-claim/ and submit a claim there. Through this site you can email, fax, or physically mail your invoice in. If you’d like to access your other benefits, such as the 24/7 vet hotline or the discounts/programs you’ll want to head to https://my.petinsurance.com.

and your your plan

For bird, reptiles, rabbits, or exotic pets, you just need to call 888-899-4874. You can find more information at https://sdpeba.org/active-benefits/pet-insurance/

Rates/Changes/Other logistic info There are no rate or benefit changes for FY 22.

One of the most important things to keep in mind is that Nationwide does not cover pre-existing conditions. With pet insurance, pre-existing conditions are more general, which can lead to some issues down the line. Essentially, due to this clause, most pet insurance plans won’t cover illnesses a pet has experienced prior to having insurance. This means if you rescued your dog and took it to the vet before you got insurance and found out it had a hip injury, later in life if the dog has another hip injury again, it might not have coverage. However, if this dog is covered the first time it is diagnosed with a hip injury, you’ll be reimbursed both times. Additionally, this plan has a $250 deductible, meaning you will have to pay a minimum of $250 before your plan kicks in. This plan also has year round enrollment, meaning you can enroll at any time, just keep in mind its more beneficial to enroll early.

My Pet Protection® is offered exclusively to employees and gives your pet superior protection at an unbeatable price. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

Discover the greatest pet insurance plans ever offered. My Pet Protection® is offered exclusively to employees and gives your pet superior protection at an unbeatable price.

9 9 9 9 9

90% back on vet bills1 Exclusive to employees, not available to the general public Same price for pets of all ages 2

Best deal: average savings of 30% over similar plans from other pet insurers Wellness plan option that includes spay/neuter, vaccinations and more

Here’s how My Pet Protection helped Nationwide® pet parents Between big-ticket emergency vet bills and basic preventive care, My Pet Protection coverage helped keep these pet parents’ bank accounts in the black.

Diagnosis & treatment: Foreign body removal from stomach

$3,000

$2,000

$1,500

$2,000

$1,000

$1,500

2,565

2,083

$1,000

$500

Diagnosis & treatment: Vaccinations and blood tests $

250

378

$1,000

1,372

1,235

340

Luna, mixed breed dog

Diagnosis & treatment: Tooth infection with multiple extractions

Bosco, goldendoodle*

Whiskey, American pit bull terrier*

*Annual deductible met on previous claim Claim amount

Reimbursement by Nationwide

Annual deductible

Sample reimbursements are based on actual claims but have been edited for clarity. Coverage for wellness services only available on My Pet Protection with Wellness®.

Get a free, no-obligation quote today at 39

Choose a plan that’s as unique as your pet.

Visit any vet anywhe , re

Get back 90% of the vet bill for these items and more. 1

9 9 9 9 9 9 9 9 9 9 9 9 9 9

Accidents, including poisonings and allergic reactions Injuries, including cuts, sprains and broken bones Common illnesses, including ear infections, vomiting and diarrhea Serious/chronic illnesses, including cancer and diabetes Hereditary and congenital conditions Surgeries and hospitalization X-rays, MRIs and CT scans Prescription medications and therapeutic diets Wellness exams Vaccinations Spay/neuter Flea and tick prevention Heartworm testing and prevention Routine blood tests

9 9 9 9 9 9 9 9

Just like all other pet insurers, we don’t cover pre-existing conditions.* However, we go above and beyond with extra features such as emergency boarding, lost pet advertising and more. Plus, both plans have a low $250 annual deductible and a generous $7,500 maximum annual benefit. *Any illness or injury that your pet had prior to the start of your policy will be considered a pre-existing condition.

Easy enrollment

Select the species (dog or cat)**

Provide your zip code

Pick your plan

**To enroll your bird, rabbit, reptile or other exotic pet, please call 888-899-4874.

Submit claims right from your smartphone with the free VitusVet app.

Available to all pet insurance members. Unlimited, 24/7 access to a veterinary professional ($150 value). Only from Nationwide®.

Get your pet insurance reimbursements deposited directly to your bank.

Download from the App Store

Download from Google Play

Email, fax and snail mail claim submissions also available.

Learn more today.

Some exclusions may apply. Certain coverages may be subject to pre-existing exclusion. See policy documents for a complete list of exclusions. 2Average based on similar plans from top competitors’ websites for a 4-year-old Labrador retriever in Calif., 90631. Data provided using information available as of December 2017. Pet owners receive a 5% multiple-pet discount by insuring two to three pets or a 10% discount on each policy for four or more pets.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH, an A.M. Best A+ rated company (2018); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2018). Agency of Record: DVM Insurance Agency. Nationwide, the Nationwide N and Eagle, and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. ©2019 Nationwide. 19GRP5832 2-19 19GRPMPP2CARDFLR

PURCHASING POWER

When cash or credit are not an option.

About this benefit

What do you do when an appliance like your oven or your washing machine breaks, and it can’t be repaired? You could buy a new one from a hardware store, sure, but they’re expensive and might require you to dip into your savings just so you’re able to stay within your monthly budget and if you don’t have savings, well, that’s where things get really tough. Even outside of an emergency, budgeting big purchases like computers, TVs, or furniture isn’t exactly easy, especially when things aren’t exactly stable. That’s where Purchasing Power comes in. Purchasing Power is a program sponsored by SDPEBA that allows City employees to buy items through pre-budgeted payroll deductions making it easier to budget these sorts of big-ticket items in, without breaking the bank.

Pay over time, right from your paycheck.

No credit check | No hidden fees | Fixed payments 41

Purchasing Power What does the benefit do?

Like Amazon or other online stores, Purchasing Power has a catalog of items on their website, but instead of being priced for full retail, it’s priced as a fixed rate payroll deduction. Unlike other credit services, items bought through Purchasing Power do not accrue interest and there are no changes to your rates once you make the purchase. It’s also unlike lay-away, as the item is shipped to you as soon as you order it. The catch is, the prices for the products are higher than the standard retail price. Which is to say, Purchasing Power exists in a crossroads between buying on credit and lay-away programs. On top of offering a suite of products, Purchasing Power also offers buyer’s guides, customer support, and product descriptions that can help you comparison-shop for the best item at the best price. Purchasing Power also hosts financial tools that help members budget, save, and invest intelligently. They even have financial wellness classes for kids!

“

WOW! This benefit is incredible. I can buy whatever I need using bi-weekly payroll deductions! And it's not financed, so it doesn't go against my credit score.

Who should get it?

Making an account with Purchasing Power is free. So, there is no harm in making an account and seeing what they have on offer. Purchasing Power helps ease the financial burden of large purchases and gets the products in your hands sooner rather than later, or someone looking to make a large purchase without having to dip into their savings. It's also great for people who like to budget, but need to make a big purchase, such as a laptop or a large appliance. Just a reminder, while Purchasing Power does not include interest, the prices are higher. We recommend that you only use this service as an alternative to buying on credit or when you’re short on cash and need a high value item.

”

How do you enroll?

Enrollment is year-round and you can sign up on their site! Just head to http://www.sdpeba.purchasingpower.com and click the “sign up” button. Fill in your information (for Employer/Organization put in SDPEBA) and then start shopping, it's that easy!

Sharp

HEALTH CARE

About this benefit

When it comes to signing up for healthcare, most people end up in one of two boats: there are too many choices and legalese to even begin to understand what’s going on; or you’re forced into one plan that doesn’t really fit your lifestyle or doesn’t cover what you need. Ultimately, both of these options make something that is necessary, way too difficult. At SDPEBA, that doesn’t sit right with us. So, we have the best of both worlds. We offer three of Sharp’s Health Plans that are specifically designed with San Diego’s diverse range of public employees in mind.

Which plans are offered?

SDPEBA offers Sharp’s Classic Plan, the Select Plan, and the Saver Plan. Each of these plans is an HMO (Health Maintenance Organization), which basically means that Sharp partners with specific doctors near you in order to provide you with more benefits for less money. The main difference between these plans is where you can find coverage, how you pay for care, and your monthly

Unique health plans to fit your unique lifestyle.

rate. For a more in-depth overview of how each plan differs when it comes to copay/coinsurance please check their brochures. As a general rule of thumb, the Classic Plan has more in-network locations, enhanced benefits (including chiropractor, hearing aid coverage, and more) and features the lowest copays of all three plans, but has the most expensive monthly rate; the Select plan has less in-network locations and has on average higher copay when compared to the Classic plan, a prescription deductible, as well as coinsurance for outpatient-hospital visits, but overall, has a lower rate; and the Saver Plan also has less in-networks locations, a deductible for prescriptions and healthcare, and the copay/coinsurance is higher, but the cost per pay period is the lowest of all three plans. As stated, the Classic Plan has the most options when it comes to finding in-network coverage. Sharp divides coverage based on networks into the Choice and Premier Network. The Classic Plan falls into the Choice Network while the Select Plan falls under the Premier Network. The Premier Network includes the Sharp Rees-Stealy Medical

Sharp Health Care Group and a selection of doctors within the Sharp Community Medical Group. Where the Choice Network features those two groups, as well as, the Arch Health Medical Group, the Grabill Medical Group (including Temecula), the Inland North Medical Group, the Rady Children’s Health Network, the Independent Group, the Greater Tri-Cities IPA Group, and the Primary Care Associates Group. We highly recommend you check through Sharp’s list of doctors before enrolling or making changes to be sure you’ll have care in your area, you can find a list by clicking here.

How do you use it?

If you’re new to Sharp, you’ll need to select your primary care provider. To do so, head to this site and search for a doctor, (if you chose the Classic Plan, you’re in the Choice Network; if you chose Select/Saver plan, you’re in the Premier Network). Once you’ve found a doctor, you’ll need to enter that provider’s details into SAP, if you’re having trouble, please contact Risk Management, 619-236-5924. If you did not select a primary care provider, no worries, one will be assigned to you. If you’d like to change your doctor you can do so once a month by calling 888-840-4747. For more information on changing primary care providers, click here. Within two weeks of your plan’s effective start date (August 1st) you’ll receive an insurance card in the mail. From there it’s just as simple as giving that to your doctor’s office whenever you’re seeking care. Just be sure you head to your assigned in-network doctor! You can find them in your area by clicking here.

Which plan is best for me?

Ultimately, it’s up to you to decide which plan makes the most sense for your lifestyle. Each plan has different benefits, mostly relating to cost. The Classic Plan is best for people who want a lot of coverage and don’t mind the price. The Select Plan is best for individuals who don’t mind limiting their options in order to save money on their premiums. And the Saver Plan is for people who might not access care too much or who don’t mind even higher coinsurance rates and paying a deductible for the lowest monthly premium. We recommend you take a close look at which doctors are in which network, your premiums and your benefits so you can make an informed decision. If you’re still unsure, you can always reach out to us for a more comprehensive description of each plan at info@sdpeba.org or learn more about them on our website www.SDPEBA.org.

How do you enroll?

In order to enroll in Sharp, you’ll need to log in through SAP and follow the instructions on the site. For help with enrollment, you can click here for a video the city put together or contact Risk Management, 619-236-5924. If you’re already enrolled in a Sharp plan and don’t wish to make any changes you do not need to reenroll.

If you signed up for the Saver Plan, you will have a deductible. This basically means your benefits won’t kick in until you pay that much in medical fees, in a given calendar year. For more information on deductibles click here. Additionally, it's important to note the difference between copay and coinsurance. Copay is the dollar amount you’ll pay for care as listed on your explanation of benefits. Coinsurance, on the other hand, is the percent of the doctor bill you pay. Please keep that in mind while making your decision. The Classic Plan uses a copayment model exclusively, whereas the Select and Saver Plan use a mix of both copay and coinsurance.

Rates/Changes/Other logistic info There is a 3.4% increase to rates from last year. Refer to the rate page for the price per pay period.

There are no other changes related to coverage or your Sharp benefits. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

Choose California’s highest member-rated health plan

Choose coverage from Sharp Health Plan, California’s highest member-rated health plan and a proud partner of City of San Diego employees for more than 20 years. We look forward to supporting you this enrollment season.

Choose Sharp Health Plan | sharphealthplan.com/SDPEBA

Better health insurance matters Highest member-rated health plan We’re proud to say we are the highest member-rated health plan in California. Sharp Health Plan has the highest member rating for health care, personal doctor and specialist among reporting California health plans. Quick and easy access to care We’re here to make sure you can safely receive the care you need, when you need it. We offer a number of options for care, including video and phone visits, after-hours nurse advice, MinuteClinic® and more. Health care, simplified We make it easy to manage your plan, find great care, view your benefits and more, all online and available whenever you need. Local and not-for-profit We’ve been connecting San Diegans to health insurance since 1992. We’re a locally based, not-for-profit health plan and we’re honored to serve you.

Due to COVID-19, NCQA will not release 2020-21 Health Plan Ratings for any product line. This rating is based upon 2019-20 Health Plan Ratings. The source for this data is Quality Compass® 2019 and is used with the permission of NCQA. Quality Compass 2019 includes certain CAHPS® data. Any data display, analysis, interpretation, or conclusion based on these data is solely that of the authors, and NCQA specifically disclaims responsibility for any such display, analysis, interpretation, or conclusion. Quality Compass is a registered trademark of NCQA. CAHPS is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ). Sharp Health Plan achieved the following summary ratings (9+10): 57.30 for Rating of the Health Plan compared to the California all LOBs average (excluding PPOs & EPOs) of 47.23; 65.25 for Rating of Health Care compared to the California all LOBs average (excluding PPOs & EPOs) of 51.87; 74.47 for Rating of Personal Doctor compared to the California all LOBs average (excluding PPOs & EPOs) of 65.60 and 75.68 for Rating of Specialist compared to the California all LOBs average (excluding PPOs & EPOs) of 63.50.

Elite-rated health care Sharp Health Plan has a family of health care providers close to where you live and work. In addition to our other regional partners, we offer affordable access to Sharp’s award-winning medical groups, Sharp Rees-Stealy Medical Group and Sharp Community Medical Group, both awarded “Elite” status, the highest possible rating for Standards of Excellence.1 Providers are located throughout San Diego County, so no matter where you are, from Chula Vista to El Cajon to Del Mar, we’ve got you covered.

2,300+ Doctors2

13 Hospitals2

10 Plan Medical Groups2

50+ Urgent care centers2

450+ Pharmacies2

MinuteClinic® locations nationwide

Choose Sharp Health Plan | sharphealthplan.com/SDPEBA

High quality care that’s always within reach Whether you’re looking for care after hours, with a specialist or outside of San Diego, we offer several options for you. Visit sharphealthplan.com/care for more information on when and where to get care.

After-Hours Nurse Advice Registered nurses are available through Sharp Nurse Connection® after hours and on weekends. They can talk with you about an illness or injury, help you decide where to seek care and provide advice on any of your health concerns. Call 1-800-359-2002, 5 p.m. – 8 a.m., Monday to Friday and 24 hours on weekends Video and phone visits Get the care you need from wherever you are with a video or phone visit, also known as telehealth. Call your PCP’s office for the latest telehealth service information.3 Call your PCP or visit sharphealthplan.com/telehealth MinuteClinic® MinuteClinic is the medical clinic located in select CVS Pharmacy® stores. MinuteClinic provides convenient access to basic care, to help you stay healthy on your schedule.4 sharphealthplan.com/minuteclinic Expanded behavioral health network No referral necessary to access over 700+ behavioral health providers, including telehealth appointments. sharphealthplan.com/bh Emergency Travel Services When faced with a medical emergency while traveling 100 miles or more away from home or in another country, we connect you to doctors, hospitals, pharmacies and other services.5 sharphealthplan.com/travel

Recipients of “Elite” status in the 2020 national Standards of Excellence™ survey by America’s Physician Groups. 2 Based on the Choice Network as of 10/6/2020. 3 Select doctors offer this service. 4 Your share of the cost for a MinuteClinic visit is equal to what you pay for a PCP office visit (deductible may apply). There is no copayment for flu vaccinations. 5 Reference number for Sharp Health Plan members: 01-AA-SHP-09073

Your plan options Finding the right plan is easy 1

All of our plans offer access to our elite-rated care. The best plan for you is one that balances your needs and your budget.

Choice Network

Premier Network

A broad network of doctors, hospitals and medical groups offering greater choice, and covering all of San Diego County and southern Riverside County.

A more select network of doctors, hospitals and medical groups offering the most value, and covering a subset of San Diego County.

Classic Plan

Select Plan

Saver Plan

If you access care frequently and would like to keep your medical expenses low, the Classic Plan is a good choice for you. This way, you pay a higher monthly premium but have a lower copay every time you access care.

With the Select Plan, you pay moderate costs for both your monthly premium and when you visit your doctor. This plan is a comprehensive option that balances the cost of your monthly premium alongside the cost of your copays.

If you don’t plan to access care often, the Saver Plan provides comprehensive coverage for the lowest monthly premium. (A deductible applies to certain hospital-based services)

Looking for a doctor? With Sharp Health Plan, you may change to a different PCP in your network whenever you like. For more information about our providers, visit sharphealthplan.com/findadoctor to see our online provider directory.

Choose Sharp Health Plan | sharphealthplan.com/SDPEBA

Three great plans to choose from All Sharp Health Plan HMO options offer extensive medical coverage. Covered services always include doctor office visits, hospital stays, surgery, outpatient procedures, periodic immunizations, physical exams, prescription drugs and more. Choose the plan that meets your needs and budget. Classic Plan

Select Plan

Choice Network

Premier Network

Sharp Community Medical Group (SCMG), Sharp Rees-Stealy, Rady Children’s Health Network/CPMG, Greater Tri Cities IPA, Primary Care Associates Medical Group

Sharp Community Medical Group (SCMG), Sharp Rees-Stealy

Not all SCMG providers are included in the Premier Network.

Calendar Year Medical Deductible

None

$1,000 per individual / $2,000 per family

Calendar Year Out-of-Pocket Maximum

$1,5006 per individual / $3,0006 per family

$3,0006 per individual / $6,0006 per family

$3,5006,7 per individual / $7,0006,7 per family

Preventive Care Visit

Primary Care Physician Visit

$20

$30

Specialist Physician Visit

$20

$30

$40

Urgent Care Services

$20

$30

$40

Emergency Room Services

$75 (waived if admitted)

$100 (waived if admitted)

$1507 (waived if admitted)

Outpatient Surgery

$0 per procedure

15% Coinsurance8

30% coinsurance7,8

Inpatient Hospital Services

$100 per admission

$500 per admission

30% coinsurance7,8

Retail Prescriptions (up to a 30-day supply) Preferred Generic Preferred Brand Non-preferred

$15 $30 $50

$20 $35 ($150 brand deductible) $70 ($150 brand deductible)

Mail-Order Prescriptions (up to a 90-day supply)9 Preferred Generic Preferred Brand Non-preferred

$30 $60 $100

$40 $70 ($150 brand deductible) $140 ($150 brand deductible)

Acupuncture and chiropractic care

$15 (40 combined visits)

Discounts available through the wellness program

Hearing aids (every 36 months)

$1,000 allowance

N/A

Routine eye exam (every 12 months)

N/A

Plan Medical Groups

Saver Plan

Please refer to your plan documents for complete information. 6

Copayments for supplemental benefits (assisted reproductive technologies, chiropractic services, acupuncture, vision and hearing aids) do not apply to the annual out-of-pocket maximum.

Deductible applies. 8 Of contracted rates. 9 Save money on maintenance medications. Please visit sharphealthplan.com/mailorder for more information.

Unum

LONG TERM CARE

About this benefit

Around 70% of adults age 65 or older need some form of daily assistance and professional help can be quite expensive. Today, the average cost for an in-home health aide is $64,000 annually. Assisted Living facilities cost anywhere between $50,000-$70,000 and these are prices that are expected to increase dramatically over the next 20 years. If you don’t have a plan in place, these costs might blindside you, leading you to rely on your family to provide care—which is never easy. Often times, individuals who require long-term care have to make sacrifices based on cost or their family’s schedules. These sacrifices can lead to undue stress and discomfort, something people don’t deserve to have during the most vulnerable years of their life. Long-term care insurance ensures policy holders will have options should they need care-services when they’re older. It also helps prevent the issues from compounding and becoming worse. By enrolling in long-term care insurance,

Your key to a happy and healthy retirement.

you’re making sure you’ll be able to afford whichever option is necessary.

What does the benefit do?

Long-term care insurance begins to provide coverage 90 days after a doctor determines that long-term care is needed. The reason there’s a 90-day waiting period is because that’s usually how long your health care will pay for care services. Your payouts will vary based on the plan you choose. Basically, you can customize your coverage by defining your payout total (between $3,000 and $8,000 monthly) and the “benefit period” (which is between 3 years, 6 years, or unlimited). Depending on your choices, that will define how long you’ll receive coverage and how much money you can put towards long-term care costs per month. It does get a bit more complicated than that as these numbers aren’t set in stone and really only reflect your benefit structure when you’re in a nursing facility (which are

Unum Long Term Care often the most expensive form of long-term care). Basically, the way your insurance “pays out” is dependent on the type of care you receive. For example, if you signed up for the $6,000 per month plan with a benefit period of 3 years and then needed at home care. At home care has a benefit rate of 50%, meaning you’ll have $3,000 of coverage per month instead, and instead of having 3 years of coverage, you’ll have 6. Essentially, the plan adjusts based on the average cost of care you end up needing. This can also change. If you start off at a nursing home and then move to at home care, the benefit period and monthly benefit coverage will be adjusted to reflect that.

Who should get it?

Because this plan is so customizable and adjusts based on your age and health, it should be considered by everyone, regardless of family history. Let’s face it, right now is the youngest (and probably healthiest) you’re going to be, meaning right now is the best time to enroll in something that bases its price on how young you are!

That being said, if you do have a family history of Alzheimer’s or other genetic diseases that require long-term care, then you should consider signing up for this insurance. It’s the safest way to ensure you’ll be able to get the care you deserve without becoming a financial burden.

How do you use it?

Once you are qualified to enter into a long-term care facility or start requiring long-term care services you’ll begin your 90-day elimination period. Once that’s finished, you’ll stop paying your premium and begin receiving payouts. Proving you can receive your long-term care insurance is also on your doctor, not you or your insurance. So, if your doctor says you need it, you’ll get it. Once you’re enrolled in a long-term care service you can contact 800-227-4165 and begin the benefit process. This is also an “indemnity plan,” meaning you’ll receive the full payout regardless of the price of care you receive. That means, if you’re in a nursing home that costs $5,000, but you have the $6,000 plan, you’ll still receive the $6,000.

Coverage Payout for $6,000/month plan for 3 Years Location of Care

Percent of Coverage

Monthly Benefit Coverage

Benefit Period

Nursing Home

100%

$6,000

3 Years

Residential Facility

70%

$4,200

4.5 Years

At Home Care

50%

$3,000

6 Years

How do you enroll?

The best path to enrolling is to go through our Unum specialist, Will. Contact Will@SDPEBA.org and he’ll walk you through your options, talk you through the rate calculator, and help you make the best choice.

Eligibility/Rates/Changes/Other info

All SDPEBA members are eligible and can add immediate family members (between the ages of 18-80) to their plan as well. SDPEBA members and their spouses can pay through payroll deduction, but family members cannot. As mentioned previously this plan has an elimination period of 90 days. A lot of healthcare insurance providers do cover initial hospitalization and short-term care, meaning you should be covered for that time. Everyone’s situation is unique, so please contact us if you have any concerns. This plan also does follow you, even into retirement (it also offers pension deduction), so don’t worry, you can lock in your rates even if you’re looking to change careers. As for rates, it’s hard to give you specifics without the use of a complex chart—luckily Unum has a calculator on their site that makes it easy: http://unuminfo.com/sdpeba/calculator.aspx. There are a few notes to make about this calculator, for one it’s based on monthly payments, not the biweekly schedule most SDPEBA members are on. In order to figure out how much it’ll cost per paycheck, you can multiply their monthly rate by 12 and then divide it by 26. When you’re selecting your state, click other, and when you get to “plans” pay attention to what has the green checkmark next to it. If you have any questions about these options, contact us, we’ll walk you through it. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

Vision care for life.

VSP

VISION

About this benefit

Buying glasses or contacts is always a hassle. You need to get your eyes checked, try on dozens of pairs, hope the ones you like are covered by your insurance (or at the very least hope your local in-network providers even have frames you like), and then go through the lengthy process of ordering them and waiting. Depending on your plan you might even be limited by the brand of your frames, the type of lenses you can buy, and you might even be forced to choose between only glasses or only contacts. All of this adds up to make something that is necessary, painful. When it comes to vision insurance, choice matters most, which is why SDPEBA is proud to work with VSP to provide our members with their comprehensive two-pair plan. With VSP, SDPEBA members have access to thousands of accredited optometrists, retailers (including Costco), and specialists. Thanks to the breadth of VSP’s coverage, you’ll be able to find coverage where and when you need it. You’ll also have access to a large selection of frames, lens types, and brands.

“

Thanks to VSP, I get a year supply of contacts and a pair of glasses each year!

”

VSP Vision What does the benefit do?

VSP offers a wide array of in-network coverage for eye exams, online and in-person glasses/contact ordering, and discounts to its members. On top of that, SDPEBA members have access to VSP’s two-pair plan. Allowing them to order two pairs of glasses, two sets of contacts, or one of each. This level of customization allows members to have a backup pair or specialty lenses (such as blue-light filtering or sunglasses). Specialty lenses are also covered under VSP. Common specialty lenses like bifocals and basic/standard progressive lenses are covered in full , while other specialized materials, unique lens types, and tints are heavily discounted. With VSP you can really customize your glasses to your specific needs without compromising on style or having to break the bank. For more information on best utilizing your plan, click here.

Who should get it?

Contrary to popular belief, VSP isn’t just for the near and far sighted. If you’re looking for sunglasses, readers, or just a fashionable pair of prescription free frames, you can order these through VSP. That being said, individuals with poor eyesight definitely benefit the most from this plan. Since this plan also covers progressive lenses and other more elaborate vision issues. Those who value freedom when it comes to glasses also should definitely enroll in the plan—since VSP’s allowance system, as well as the ability to mix and match contacts and glasses, makes it easy to tailor your glasses to your lifestyle.

How do you enroll?

How do you use it?

Using VSP is simple. First, use their online tool to find an optometrist/retailer near you (this link will walk you through how to access it). Then go and get your eye exam. Once that’s done all you have to do is pick the frames you like and go from there! If you want to get frames from a different location than where you got your eye exam, you definitely can! Just make sure to get a printout of your prescription and bring that with you to wherever you end up purchasing glasses. If you take it somewhere out-of-network, just note that you won’t have access to VSP’s allowance system, instead you’ll submit a claim and receive reimbursement for your bill, you can contact VSP, call us, or check out the claim form for more info. VSP operates on an allowance system, basically meaning for each “pair” of glasses you have a $150 allowance to put toward a set of frames or contacts. There are even additional savings for featured frame brands and offers additional deals. We suggest you check this article for more information. VSP offers 100% coverage on plastic single vision, bifocal, trifocals, and standard progressive lenses. Any other lens enhancements or specialty lenses have differing copays based on the materials/specifics, be sure to talk with your retailer before ordering your glasses to understand how much your glasses will cost. Once you have your first pair, you have the same set of benefits that you can put toward another. Same goes for contacts. For a more in-depth walk-through of how to use VSP’s two pair plan effectively, click here.

In order to enroll in VSP you simply need to call us at 888-315-8027. Once you’re enrolled your plan’s effective start date will be August 1st.

Rates/Changes/Other logistic info

VSP’s rates are unchanged.

Under the FY22 plan VSP now covers scratch resistant and UV resistant coatings for lenses . Be sure to double check if these are compatible with your specific vision needs before ordering them. The two-pair-plan resets at the start of each benefit year. So, you’re able to get two new frames/sets of contacts annually between the months of August-July. This guide provides limited information regarding plan benefits. It is recommended that you refer to the plan documents to understand the exclusions, limitations and your schedule of benefits. Click to view plan documents.

IT’S TIME TO ENROLL IN YOUR VSP VISION BENEFIT! You and your eyes deserve to be healthy and happy. We can help! See why you should enroll in VSP Vision Care.

LIFE’S A TRIP. ENJOY THE SIGHTS. SAVINGS YOU EXPECT. VSP® members save on eyewear and eye care with a VSP network doctor. You’ll also have access to Exclusive Member Extras, like savings and special offers, that can save you more than $3,000. CHOICES YOU DESERVE. With an average of five VSP network doctors within six miles of you, it is easy to find a nearby in-network doctor to maximize your vision coverage. Visit vsp.com or call 800.877.7195 to find a Premier Program location and get the most out of your benefits. STYLES YOU’LL LOVE. You’ll find hundreds of frame options for you and your family. Get an extra $20 to spend on featured frame brands like bebe, CALVIN KLEIN, Cole Haan, Flexon®, Lacoste, Nike, Nine West, and more. Plus, save up to 40% off on lens enhancements!*

ENROLL BY 06/30/2021 CONTACT YOUR EMPLOYER FOR ENROLLMENT DETAILS. UPGRADE YOUR EYEWEAR. New for 2021, you can enjoy more lens enhancements fully covered, like a scratch-resistant coating or UV protection.

Visit seemuchmore.com or contact info@sdpeba.org for more information. *Extra $20 available only to VSP members with applicable plan benefits. Frame brands and promotions are subject to change. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Available only through VSP members with applicable plan benefits. Ask your VSP network doctor for more details. ©2021 Vision Service Plan. All rights reserved. VSP and VSP Vision care for life are registered trademarks of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners. 91945 VCCM

Classification: Public

YOUR VSP VISION BENEFITS SUMMARY SDPEBA and VSP provide you with an affordable vision plan.

PROVIDER NETWORK: VSP Choice EFFECTIVE DATE: 08/01/2021

BENEFIT

DESCRIPTION

COPAY

FREQUENCY

YOUR COVERAGE WITH A VSP PROVIDER WELLVISION EXAM

Focuses on your eyes and overall wellness

Every plan year*

FRAME

$170 featured frame brands allowance $150 frame allowance 20% savings on the amount over your allowance $150 Costco® frame allowance

Every plan year

LENSES

Single vision, lined bifocal, and lined trifocal lenses Impact-resistant lenses for dependent children

Every plan year

LENS ENHANCEMENTS

UV Coating Scratch-resistant Coating Standard progressive lenses Premium progressive lenses Custom progressive lenses Average savings of 30% on other lens enhancements

CONTACTS (INSTEAD OF GLASSES)

$150 allowance for contacts; copay does not apply Contact lens exam (fitting and evaluation)

DIABETIC EYECARE PLUS PROGRAMSM

Retinal screening for members with diabetes Additional exams and services for members with diabetic eye disease, glaucoma, or age-related macular degeneration. Limitations and coordination with your medical coverage may apply. Ask your VSP doctor for details.

PRESCRIPTION GLASSES

$0 $0 $0 $95 - $105 $150 - $175

Up to $60 $0 $20 per exam

Every plan year

As needed

ADDITIONAL PAIR OF EYEWEAR FRAME

$170 featured frame brands allowance $150 frame allowance 20% savings on the amount over your allowance $150 Costco frame allowance

Every plan year

LENSES

Single vision, lined bifocal, and lined trifocal lenses Impact-resistant lenses for dependent children

Every plan year

CONTACTS (INSTEAD OF GLASSES)

$150 allowance for additional contacts Contact lens exam (fitting and evaluation)

Up to $60

Every plan year

Glasses and Sunglasses Extra $20 to spend on featured frame brands. Go to vsp.com/offers for details. 20% savings on additional glasses and sunglasses, including lens enhancements, from any VSP provider within 12 months of your last WellVision Exam. EXTRA SAVINGS

Routine Retinal Screening No more than a $39 copay on routine retinal screening as an enhancement to a WellVision Exam Laser Vision Correction Average 15% off the regular price or 5% off the promotional price; discounts only available from contracted facilities

YOUR COVERAGE WITH OUT-OF-NETWORK PROVIDERS Get the most out of your benefits and greater savings with a VSP network doctor. Call Member Services for out-of-network plan details. Exam ............................................................. up to $76 Frame ........................................................... up to $70 Single Vision Lenses ............................... up to $33

Lined Bifocal Lenses .............................. up to $50 Lined Trifocal Lenses ............................. up to $65

Progressive Lenses ................................. up to $50 Contacts .................................................... up to $135

Coverage with a retail chain may be different or not apply. Log in to vsp.com to check your benefits for eligibility and to confirm in-network locations based on your plan type. VSP guarantees coverage from VSP network providers only. Coverage information is subject to change. In the event of a conflict between this information and your organization’s contract with VSP, the terms of the contract will prevail. Based on applicable laws, benefits may vary by location. In the state of Washington, VSP Vision Care, Inc., is the legal name of the corporation through which VSP does business. *Plan year begins in August

*Only available to VSP members with applicable plan benefits. Frame brands and promotions are subject to change. Savings based on doctor’s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. Ask your VSP network doctor for more details. Classification: Restricted ©2021 Vision Service Plan. All rights reserved. VSP, VSP Vision Care for life, Eyeconic, and WellVision Exam are registered trademarks, VSP Diabetic Eyecare Plus Program is servicemark of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners.

CONTACT INFORMATION SDPEBA Phone Text Fax Website Facebook Twitter Address

888-315-8027 619-547-1600 619-431-3078 www.sdpeba.org facebook.com/sdpeba @SDPEBA 9620 Chesapeake Drive, Ste 104 San Diego, CA 92123

Email To learn more about benefits: For help with an existing benefit:

CITY

RISK - Benefits RISK - Employee Savings RISK - Email SDCERS

PROVIDERS

Aflac Aura Identity Guard Liberty Mutual MetLife HMO MetLife Legal Plans MetLife PPO Nationwide Pet Insurance Purchasing Power Sharp Direct Advantage Sharp Non-Medicare Unum VSP Vision

info@sdpeba.org support@sdpeba.org

619-236-5924 619-236-6600 benefits@sandiego.gov 800-774-4977

800-433-3036 855-443-7748 760-795-0451 800-880-1800 800-821-6400 800-275-4638 877-738-7874 888-923-6236 855-820-2112 888-840-4747 619-535-7240 800-877-7195

SAN DIEGO

PEBA

9620 Chesapeake Drive Suite 104 San Diego, CA 92123

OPEN ENROLLMENT June 14-25 A Helpful Resource Just For You!

FY22 BENEFITS GUIDE

IMPORTANT DATES

April 1 - Open Enrollment for Aflac, Identity Guard, & MetLife Legal begins June 1 - 25 - Physical Materials Pickup June 9 - Virtual Benefit Fair - Register today: www.sdpeba.org/activefair June 14 - 25 - SAP Online Enrollment August 1 - New Benefit Period Starts

SDPEBA Phone Text Fax Website

888-315-8027 619-547-1600 619-431-3078 www.sdpeba.org

Facebook Twitter Address

facebook.com/sdpeba @SDPEBA 9620 Chesapeake Drive, Ste 104 San Diego, CA 92123