Medical Benefits

ANNUAL OPEN ENROLLMENT PERIOD

CVT’s annual open enrollment begins Aug. 21, 2023 and ends on Sept. 8, 2023. Any changes made during the annual open enrollment will be effective October 1, 2023. During open enrollment a:

• Full-time or part-time employees may elect to change their plan selection(s) and participate in a different plan offered by the group.
• Full-time or part-time employees may terminate or add eligible dependents to any line of coverage that the employee is enrolled in.
• Part-time employees may terminate or add any line of coverage offered by the group.
  
  

Plan Selection or Coverage Changes

Plan selection changes by a full time or part time employee or adding or terminating coverage of a part time employee or the eligible dependent(s) of a full time or part time employee, will not be allowed at any other time than the annual open enrollment period unless an: 1) Employee experiences a qualifying event listed below, or  2) An open enrollment period is requested by the district due to the completion of negotiation:

• A marriage
• A divorce
• The birth of a child
• The adoption of a child
• Court ordered guardianship of a minor child
• The requirements of domestic partnership are met
• Dissolution of domestic partnership
• 25% increase in the employer/employee contribution to the benefit package
• Involuntary termination of a plan covering the employee or employee’s dependent
• A change in the employee’s employment status
• A change in an employee’s dependent’s employment status when the employee’s dependent is covered
• The cessation of an employer’s contribution toward an employee’s or employee’s dependent’s coverage
• Acquiring coverage
• Gaining Medicare
• Death of subscriber or covered spouse

Written or online application for additions, terminations, and coverage changes must be made within 31 days of the qualifying event. If application is not made within 31 days, an employee will have to wait until the next annual open enrollment period or another qualifying event is experienced to make any changes. Additions, terminations, or coverage changes will be effective on the first day of the month following the qualifying event date. Documentation is required for any of the above

California's Valued Trust: How to Choose an Insurance Plan

First Create a MyCVT online account: MyCVT (Online Account)

What can I do online?

• Print a copy of your insurance card
• Update the following contact information:
• Address
• Name
• Telephone number
• Submit coverage change applications to:
• Add dependents
• Terminate dependents
• Change plan option due to qualifying events
• View the following information:
• Medical, dental and vision coverage
• Covered dependents

Who Do I Call? 

Call California’s Valued Trust (CVT) when…

• You have eligibility questions about yourself or your dependents
• You receive a letter from California’s Valued Trust and have questions
• You have retiree health benefit coverage questions
• You have questions about COBRA coverage, (continuing benefit coverage through CVT, after terminating employment)
• You need carrier phone numbers, not listed on your insurance card(s)

(CVT may need to refer you to another office when appropriate)

Call the carrier when…

• Prior authorization is required
• You have coordination of benefits questions
• You have questions on an explanation of benefits (EOB)
• You want to know how much deductible you have, or have met
• You want to know how much towards your maximum you have used
• You are billed or balance billed by a provider of service
• You need the status of a claim
• For provider referral

(i.e.; Blue Shield of California, Delta Dental, VSP, or CVS Caremark)

Call your district office when…

• You have questions regarding your payroll deduction
• You want to know when your coverage will end
• You have questions on how to add a new family member, i.e.; spouse, domestic partner, newborn, or other eligible dependent
• You need to delete a family member, i.e.; due to divorce, or an overage dependent getting married, or no longer eligible, or death in the family
  (Your district office will forward the paperwork to CVT, when applicable)