Coastal Schools Employee Benefits Organization
Oxnard Union High School District (OUHSD) has been with CSEBO for medical, dental and vision benefits since 1991. Julie Cole is the current Board representative for OUHSD, with Dr. Kimberly Tresvant and Eric Montijo serving as Alternates. Both Julie and Eric also serve on the CSEBO Executive Committee.
Contact: Julie Kraus, AFLAC Representative 1-805-529-8190 (office), 1-805-404-9157 (cell)
AFLAC offers a variety of supplemental insurance programs.
Section 125 provides a way to buy a range of supplemental benefits through the workplace on a pre-tax basis that may increase take home pay.
Lets employees use pre-tax dollars to pay for qualified benefits, like health insurance and child care, through WageWorks Section 125 CafeteriaPlan Program.
AFLAC believes that preventive medical testing and screenings are just as important to maintaining good health as seeking treatment when you are ill or have been hurt in an accident.
For this reason, we offer the Wellness Benefit to our policyholders. After you have paid your premiums for 12 months and while coverage is in force, AFLAC will pay a benefit for you or any one family member (if family coverage applies) to undergo routine examinations or other preventive tests. Family members include your spouse and the dependent children of you or your spouse.
There may be times in your life when you feel out of control and overwhelmed. Maybe you have a personal or workplace issue, problems or crisis that consumes your thoughts. Or maybe a household member is experiencing problems. Or maybe you need help locating resources to help deal with everyday issues, like locating quality childcare or establishing a budget. Whatever the problem, you do not need to handle it alone. Optum Health is here to provide Employee Assistance Program (EAP) services and Mental Health and Chemical Dependency Benefits. Optum Health is a leader in providing managed behavioral health benefits to schools. All mental health and EAP services are available for you and your enrolled dependents. All services are strictly confidential and protected at all stages of the programs.
NEED TO SHARPEN YOUR FOCUS?
In today’s workplace, where multi-tasking and a busy schedule are now part of the landscape, it’s a challenge to get organized and stay that way. Commonly, when people are disorganized, they feel overwhelmed and out of control, which eventually hampers their ability to accomplish what needs to be done. Understanding how to get organized is critical to maintaining high productivity, keeping a sharp focus on your most important job responsibilities, and controlling your stress level.
Need a few solid pointers to help you stay on track? Get started with these ideas:
- Plan your Day
- Manage paperwork and mail as received
- Stop Procrastination
The plan provides full coverage, in excess of a $10.00 calendar year deductible, for covered services when you go to a participating provider of the Eye Care Network. (Allowances are only applicable when utilizing VSP Preferred Providers).
BENEFITS PROVIDED (AFTER THE ANNUAL $10 CO-PAYMENT HAS BEEN PAID)
- The VSP Core plan covers a WellVision Exam that focuses on eye health and overall wellness every 12 months.
- Lenses (every 12 months): Single vision, lined bifocal, and lined trifocal
- Frame (every 24 months): up to $110, 20% off any out-of-pocket costs
- -Prescription contact lens material covered-in-full up to the retail allowance of $100 (every 12 months) Allowance is for contacts and the contacts lens fitting evaluation.
- There is a buy-up option available for $4.81 a month; please contact the Insurance Specialist for additional information.
If elected, there is a $150.00 monthly premium contribution for the PPO Plan.
The Blue Cross PPO sponsored plan has a deductible of $500 p/person. It covers 90% In-Network and 70% Out-Of– Network.
Blue Cross has kept its networks among the largest and strongest in California, even with recent disruptions in provider networks throughout the state. We know that changes to networks can be a confusing and frustrating experience for employers and employees. Blue Cross works hard to help maintain relationships with providers and to lessen the impact of network changes on employees. Blue Cross has access to one of the largest networks in California and across the United States.
If elected, there is a $52.00 monthly premium contribution for the Blue Cross HMO Plan.
Blue Cross HMO members must consult with their primary care physician for all services.
Doctor visits have a $10 co-pay and emergency room visits have $50 co-pay. The prescription program includes Generic $10/Brand $20.00.
The best way for you to stay healthy is through maintaining a healthy lifestyle.
If elected, there is a $52.00 monthly premium contribution for the Kaiser HMO.
Kaiser members must consult with their primary care physician for all services.
There is a $10 co-pay for all office visits and a $50 co-pay for all emergency room visits.
The Kaiser HMO offers a prescription drug program including the following benefits:
- $10 co-pay: generic
- $20 co-pay: brand name
- 100 day supply retail or mail order
- $10 co-pay: generic
- $20 co-pay: brand name
*There is a Kaiser Pharmacy’s located in Oxnard (1851 Lombard Street #105
on Gonzales Rd.) and in Ventura (4020 Main Street #B-8 in the Bed Bath & Beyond
The Express Scripts Inc., retail Prescription Program allows you to go to any ESI participating pharmacy to have a short term prescription filled.
Express Scripts Inc., offers the choice of a Mail Service Prescription Program. The Mail Service Program is a convenient and cost effective way to obtain your maintenance medications through the mail. Maintenance drugs are those drugs taken for an ongoing or chronic condition such as high blood pressure, heart disease or a thyroid condition.
HOW TO PROTECT YOURSELF AGAINST MEDICATION ERRORS
- Make sure you understand all of the instructions and follow them.
- Dispose of drugs once their expiration date has been reached.
- Always keep medications in their original containers. Although it may seem practical to store a few prescription pills in an old vitamin bottle during your vacation, you might end up swallowing a drug when you meant to take a vitamin.
- Turn on the light when taking medications at night. It’s alarming how easy it is to mix pills up in the dark.
- Give your healthcare providers a list of every drug you take, including herbal remedies or over-the-counter products like aspirin. This will greatly reduce the chance that a doctor will prescribe a drug that clashes with one of your other medications.
Live and Work Well is an Employee Assistance Program (EAP) designed to provide confidential support for challenges that employees face in their everyday lives. Services are provided through OptumHealth Behavioral Solutions of California.
Services include, but are not limited to:
- Counseling services
- Mental health
- Substance abuse
- Workplace problems or conflicts
- Work/Life balance
- Grief and loss
- Coping with change
- Eating disorders
- Financial and legal assistance
- Family support
- Parenting and family issues
- Help with relationships
- Health and wellness support
- Referrals to community resources
- Assistance in choosing the best providers
All records, including medical information, referrals and evaluations are kept strictly confidential in accordance with federal and state laws.
The EAP is available 24 hours a day and can be accessed by phone or online. Services are available to all employees and the members of their household, including dependents living away from home. There is no charge for referrals, or for seeing a clinician within the network.
To request services or register for any of the Optum Health programs, visit: www.liveandworkwell.comor call 888.444.8624 access code CSEBO
Please take advantage of the services provided.
ADDITIONAL INFORMATION (PDF):
The District offers medical, dental, vision and life insurance to employees and their dependents. The dental, vision (base plan) and life plans require no premium contribution for full-time employees.
An employee premium contribution is required for medical insurance. Currently the HMO plan is $52.00 per month and the PPO plan is $150.00 per month. Open enrollment will be conducted during the month of September as our policy year begins October 1st of each year. The premium contribution is subject to change each year.
Mid Year Qualifying Events
Upon marriage, coverage for a spouse will become effective on the first day of the following month from the date of marriage. However, you must complete the appropriate applications and provide a copy of the marriage certificate, in order to add your spouse, within 30 days from the date of marriage.
Coverage for a newborn or adopted child will be effective on the first day of the following month from the date of birth or adoption date, provided you complete the appropriate applications and provide a copy of the birth certificate or adoption papers to add the newborn or adopted child within 30 days from the date of birth or adoption. Should you become a legal guardian of a child, the same 30-day rule applies, so long as you provide proof of legal guardianship.
Loss of coverage elsewhere is a mid-year qualifying event to enroll in the Oxnard Union High School District’s health care plan. However, you must contact the Insurance Specialist within 30 days from the date of loss, complete the appropriate paperwork, and provide proof of the loss of coverage from your previous insurance company.
Coverage for newly acquired dependents or spouses is never automatic. Action is ALWAYS your responsibility!