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SUPERIOR COURT MEDICAL BENEFITS

MEDICAL BENEFITS

Santa Barbara County Superior Court offers a choice of medical plans through Blue Shield.

2017 Medical Plan Comparison

2018 Medical Plan Comparison


Glossary of Health Coverage and Medical Terms

Understanding Your Medical Choices

Blue Shield CSAC Website

 

MEDICAL PLANS

BLUE SHIELD EPO (Exclusive Provider Organization)

Under the EPO plan, the network of contracted physicians and hospitals are known as Preferred Providers. Under an EPO plan, you do not have an assigned Primary Care Physician (PCP). You are allowed to access medical services from any Blue Shield national contracted in-network PPO physician, specialist or facility without having to obtain a referral. All covered services, except for Emergency Care, must be provided by a Preferred Provider. The EPO plan does not provide out-of-network benefits.

BLUE SHIELD HDHP (High Deductible Health Plan)

The HDHP provides choice and two levels of service; in-network and out-of-network. The HDHP uses the Blue Shield national PPO networks so you have a choice of using in-network preferred providers or any out-of-network physician that you choose. There are no copayments; only co-insurance with coverage for in-network providers at a higher benefit level and lower cost to you. This plan has an annual deductible that must be met before it begins to pay the appropriate co-insurance amount.

A (Health Savings Account (HSA) is available to you if you are enrolled in a HDHP. An HSA account allows you to contribute using pre-tax dollars, funds roll over and accumulate year to year if not spent. HSA funds can be used to pay any qualified medical expenses. This type of health savings account is owned by you and is portable. If you decide to terminate the HDHP, you will no longer be able to deposit new funds into the HSA account, but funds already in the HSA will remain available for your use.

HEALTH SAVINGS ACCOUNT (HSA)

A Health Saving Account (HSA) is available only to employees who participate in the Blue Shield High Deductible Health Plan (HDHP). A HSA is like a IRA for healthcare. It is a tax-advantaged personal savings or investment account that you can use to save and pay for qualified health expenses, now or in the future. Paired with a qualified high deductible health plan (HDHP), an HSA is a powerful financial tool that empowers you to be more actively
involved in your healthcare decisions.

An HSA allows you to:

  • Save toward medical expenses (including dental and vision), up to IRS maximums (see Table)
  • Have your contributions deducted on a pre-tax basis
  • Change your contribution amount at any time
  •  Roll the funds to the following year (this is not a "use it or lose it" plan)
  • Keep the account; it is portable; it goes with you if you leave employment
  • Use a debit card to pay for qualified medical expenses
  • Use the funds to pay for IRS tax dependents even if they are not enrolled in the HDHP

 

TABLE 1- HSA Contribution Limits

 For 2018 For 2017

Annual Single Contribution Maximum

$3,450*

$3,400*

Annual Family Contribution Maximum

$6,900*

$6,750*

*These amounts are the maximum the IRS allows you to contribute to your HSA. If the Court contributes $900 into this account you have to deduct that amount from this limit   As an example: $3,450 - $900 =$2,550 would be the annual single contribution maximum you can make on a pre-tax basis in 2018.

IMPORTANT INFORMATION:

  • If you have a Healthcare Flex Spending Account (FSA) for 2017, you cannot open an HSA until the available funds in your 2017 FSA Healthcare account has been used, and the balance in your Healthcare FSA account is $0.
  •  You cannot have an HSA and be a dependent on another person's health insurance plan, unless that plan is also a High Deductible Health Plan.
  • The Court will contribute $900 annually over 24 pay periods into your Sterling HSA account.

 

You must open your HSA with Sterling HSA. If you do not open your account you will not be able to receive any of the Court's contributions

 

PHARMACY / PRESCRIPTIONS

Prescription drug coverage provides a benefit that is important to your overall health, whether you need a prescription for a short-term health issue like bronchitis or an ongoing condition like high blood pressure. If you enroll in medical coverage, you will automatically receive coverage for prescription drugs. Here are the prescription drug plans that are offered with our Blue Shield EPO and HDHP plans.

BLUE SHIELD EPO: Express Scripts is your pharmacy carrier if you are on the Blue Shield EPO plan. You have a separate pharmacy ID card for your prescription coverage. You must use this ID card to obtain your prescriptions from your local pharmacy. Your Blue Shield ID card will not be valid.

BLUE SHIELD HDHP: You must use your Blue Shield ID card to obtain prescriptions (Express Scripts will not be your pharmacy carrier).

CONTACT HUMAN RESOURCES:

Superior Court Figueroa Division 
Human Resources 
118 East Figueroa Street 
Santa Barbara, CA 93101 

Superior Court Cook Division 
Human Resources 
Santa Maria Office
312 E. Cook St. Bldg. E.
2nd Floor Rm. 242
Santa Maria, CA 93454

Phone: (805) 882-4739 
Emailhr@sbcourts.org

 
© Superior Court of the County of Santa Barbara