CERTIFICATED
Summary of Benefits
2026
FOR TENURED, PROBATIONARY, EMERGENCY AND INTERN TEACHERS WORKING .5 FTE OR MORE
The following deck contains a summary of benefits for eligible employees of SFUSD:
Medical Plans | |||||||||
| Kaiser Permanente (HMO) | Blue Shield TRIO (HMO) No CPMC/Sutter | Blue Shield Access + (HMO)�Brown and Toland, HPMG, John Muir, CPMC/SUTTER | Health Net CANOPY CARE HMO | Blue Shield�Accolade (PPO) | ||||
Doctor Visit | $20 co-pay | $25 co-pay | $25 co-pay | $25 co-pay | 85% (after $250 deductible) | ||||
Prescription�(30-day supply) | $5 (generic)�$15 (brand name) | $10 (generic) $25 (brand name) | $10 (generic) $25 (brand name) | $10 (generic) $25 (brand name) | $10 (generic) $25 (brand name) | ||||
Emergency Room | $100 copay waived if hospitalized | $100 copay waived if hospitalized | $100 copay waived if hospitalized | $100 copay waived if hospitalized | 85% (after $250 deductible) | ||||
Inpatient Hospital Stay | $100 co-pay | $200 co-pay | $200 co-pay | $200 co-pay | 85% (after $250 deductible) | ||||
Your health benefits at a glance
Please refer to the 2026 Health Benefits Guide for detailed plan info and premium rates |
Vision Service Plan (VSP) www.vsp.com
VSP offers two vision coverage levels: Basic and Premier. The basic option is free and automatically enrolled with your health plan; the premier level is provided at an additional monthly fee and is voluntary. Only employees and dependents enrolled in a health plan are eligible for coverage in both the basic and premier plans.
Covered Services | Basic | Premier |
Well vision exam | $10 co-pay once every calendar year | $10 co-pay every calendar year |
Lenses (single vision, bifocal & trifocal) | $25 co-pay once every other calendar year | $0 co-pay every calendar year |
Frames | $150 allowance once every other calendar year | $300 allowance every calendar year |
Contacts (in lieu of frames) | $150 allowance every other calendar year | $250 allowance every calendar year |
Essential Medical Eye Care (for the treatment of urgent or acute ocular conditions) | Average 15% of regular price | Average 15% of regular price |
Cost (Monthly) | Free | Please refer to the 2026 Health Benefits Guide for Vision Premier rates |
Delta Dental is a PPO dental plan that allows the flexibility of seeing in-network and out-of-network providers. SFUSD offers two dental plans “Core” and Premium Dental. Here’s how it works:
What does it cost? |
| |||
What is my coverage? |
| |||
1st year: 70% | 2nd year: 80% | 3rd year: 90% | 4th year: 100% | |
For Core plan detailed coverage options, please click here For Premium Dental plan detailed coverage options, please click here.
| ||||
What is a break in service? | Loss of dental coverage due to resignation, retirement or termination of job or by waiving coverage during an unpaid leave of absence constitutes a “break” in service. | |||
What is the coverage maximum? | The Maximum benefit payable by Delta Dental in a calendar year is $1,500* The Premium Dental Plan Maximum payable by Delta Dental in a calendar year is $3,200* *When using a Delta Dental PPO Dentist | |||
Sick leave (how it works): | |
Regular Sick Leave |
|
Transferring Sick Leave from your previous school district to SFUSD | Employees joining SFUSD from another California Public School District may transfer unused sick leave from their previous district, provided they complete the “Transfer of Unused Sick Leave form” and submit to Payroll for processing via fax 415-241-6366. New hires: a link to this form is included below. |
Life Insurance AD&D and Long-Term Disability (Symetra):
What are the policy amounts? |
|
What is the cost? | This benefit is provided free of charge. |
How do I enroll? | Employees are automatically enrolled upon hire; no paperwork is required. Coverage begins effective the first of the month following your start date. |
How do I assign a beneficiary? | For existing employees, you may elect beneficiaries during Open Enrollment in Bswift. New Hires: instructions for enrolling beneficiaries onto your life insurance plan are included in your new hire benefits email. |
How does my family submit a claim? | Life insurance, AD&D and Long-term disability claims must be submitted by a SFUSD benefits analyst directly. Please see “Key Contacts” for Benefits Analyst availability. |
SFUSD educators participate in the California State Teachers’ Retirement System (CalSTRS), a defined benefit pension plan. | |
What is it? | The CalSTRS Pension plan provides service retirement benefits calculated using a formula based on age at retirement, years of service and final compensation. |
Do I have to be a member? | Yes, CalSTRS membership is mandatory for employees working .5 FTE or greater and begins the first day of employment. |
How much do I contribute? |
|
Does the district match my contribution? | Yes, SFUSD will match your contribution equal to 19.10% of your base wage. |
What is the vesting period? | You are vested after five years. If you end employment with SFUSD before vesting, you can request a refund of your contribution amount from CalSTRS or roll it into a tax-sheltered annuity. |
What about Social Security (SSA) and State Disability (SDI)? | As a CalSTRS member, you will no longer contribute to Social Security and State Disability. Deductions of 1.45% are still taken for Medicare. |
| Medical Flexible Spending Account (HCFSA) | Dependent Care Flexible Spending Account (DCFSA) |
What is it? | A pre-tax benefit account used to pay for eligible medical, dental and vision care expenses that aren’t covered by your insurance plan. | A pre-tax benefit account used to pay for dependent care services for dependents up to age 13. |
What does it cover? |
|
|
How much can I elect? | Up to $3,300 annually | Up to $5,000 per household, annually |
What about rollover? | Can rollover up to $640 of unused funds each calendar year. | No rollover. |
How do I enroll? | Visit www.wageworks.com and click on “Log in/Register” to enroll. New employees can enroll within 30 days of hire. Existing employees can enroll during open enrollment. | |
I currently have an FSA and want it again next year, what do I do? | Existing account holders requesting to re-elect their FSA are required to enroll each October during Open Enrollment. You can enroll by logging into your Bswift profile at Bswift. | |
Commuter Transit Account
You can use the Commuter Transit Account with the following vendors:
|
Employee Assistance Program (EAP)
SFUSD provides a free employee assistance program, administered by Symetra Life, for the following services:
All active staff are eligible as of their date of hire. Here’s how to use the service:
You can also talk with a specialist by calling (888) 327-9573.
Health Benefits FAQ (Frequently Asked Questions): | |
Am I Eligible? | Certificated working at least .5 FTE (or more) may enroll themselves and any eligible dependents in one of the four health plans provided by SFUSD. This includes tenured, temporary, emergency and intern teachers. |
When does coverage begin? | Coverage begins on the first day of the month following your start date. |
What is an eligible dependent? | The following dependents are eligible for Medical, Vision and Dental benefits:
|
How do I apply for coverage? |
|
What is the difference between HMO and PPO? |
|
1 of 2
Health Benefits FAQ (Frequently Asked Questions) continued: | |
I did not receive an ID card for Vision or Dental, what do I do? | Both VSP and Delta Dental do not issue ID cards; your SSN is your ID number (dependent SSN’s are theirs). Once enrolled, you can visit www.vsp.com and www.deltadentalins.com to register an account, check coverage, locate providers and view claims. |
Will SFUSD reimburse me if I do not elect benefits? | SFUSD does not offer reimbursement of health premiums to employees who waive coverage. |
How do I pay my health premium? | Health insurance premiums are deducted from your monthly paycheck. The deduction is taken pre-tax, reducing your monthly taxable income. |
What is HSS (Health Service System)? | Your health insurance plan is administered by Health Services System (HSS) of the City and County of San Francisco. You can call or visit their office with questions about your health plan and vision coverage, Mon - Fri from 8AM - 5PM. HSS contact information is located in the “Key Contacts” section of this presentation. |
What if I leave SFUSD? | Health, vision and dental coverage will terminate on the first day of the month following your last day of work. You will receive a notice to extend benefits under COBRA within 45 business days of your resignation/termination. |
What about Open Enrollment? | Open Enrollment is a period of time during which employees can enroll in benefits, make plan changes or terminate coverage without need of a qualifying event. The annual Open Enrollment period takes place during the entire month of October and any changes will become effective on January 1st of the following year. |
2 of 2
Voluntary Supplemental Services
AFLAC | Offers Supplemental Life insurance, Accidental, Short-term disability, Cancer and Hospital Indemnity policies. Enrollment is through Bswift You can reach out to an Aflac representative at (833) 218-5375 |
Colonial Life | Offers Supplemental LIfe insurance, Disability, Accident, Cancer and Critical Illness policies. Learn more by visiting http://www.visityouville.com/en/SFUSD or contacting Grand Guillory at grand.guillory@gmail.com. Phone number (877) 924-3967 |
Legal Shield | Offering prepaid legal services. Visit LegalShield’s website for information on products and to get in touch with an agent. |
Schools First | Offering pre-tax 403B and 457 Retirement plans from a host of popular vendors. Visit pa.schoolsfirstfcu.org or call 800-462-8328 ext 4727 for assistance. Additional information can also be found on the SFUSD 403b/457 page. |
Washington National | Offers voluntary life insurance policies. For information on products and rates, please email Seth Magley at seth.magley@optavise.com or call 415-726-1318 |
Pacific Credit Union Service | Offering low cost financial services. For information on products and rates, please email Jennifer Goldstein at jennifer.goldstein@pacificservice.org or call (925) 202-9380. Also to open your account today, simply click here. Link to flyer. |
TicketsatWork is the leading Corporate Entertainment Benefits provider, offering exclusive discounts, special offers and access to preferred seating and tickets to top attractions, theme parks, shows, sporting events, movie tickets, hotels and much more. TicketsatWork is a unique benefit offered exclusively to companies and their employees.
Theme Parks & Attractions Delight in family-friendly adventures with huge discounts to the best theme parks and attractions nationwide. From Walt Disney World® to Universal Orlando Resort™, don't miss your chance to experience adrenaline-pumping roller coasters, lively entertainment, world-class attractions and excitement at every turn. |
Hotels & Rental Cars Create new travel memories or inspire your wanderlust with our exclusive hotel rates, extra perks and rental car deals that are perfect for your next staycation, road trip or dream vacation. Plus, refundable rooms are also available for when plans change – just look for the badge! Start planning your next trip today. |
Shop @ Home Explore our wide range of shopping deals, including the latest and greatest tech gadgets, home essentials, streaming services, virtual events, food delivery, automotive, health and wellness, plus so much more. Discover your favorite brands at the prices you love – all from the comfort of your own home. |
Additional Discounts (1 of 4)
Technology and Utilities | |
Apple | Special discounted pricing available for educators in-store with valid school ID or on-line, by visiting: https://www.apple.com/us-hed/shop. |
AT&T | Enroll in AT&T Signature program for service discounts, waived fees and special device pricing. Visit https://www.att.com/signatureprog/ for more info. |
Microsoft Office 365 | Get MS Office 365 free with valid .edu email address. Visit: https://www.microsoft.com/en-us/education/buy-license/microsoft365/default.aspx |
Verizon Wireless | Discounted monthly access and data. Visit https://www.verizonwireless.com/discount-program/ for more info. |
Please note: Discounts are subject to change anytime and are not directly administered by SFUSD. Please contact the respective vendor for additional info, questions or concerns. The benefits office cannot assist with these discounts.
Arts & Entertainment | |
ACT (American Conservatory Theater) www.act-sf.org | Discounted full or partial subscription. Please visit http://www.act-sf.org/home/box_office/subscribe/student_educator.html for information and pricing. |
Asian Art Museum | Discounted educator membership. Please visit: https://give.asianart.org/membership/ for pricing and to register membership. |
CA Academy of Sciences | Discounted educator membership. Please visit: https://www.calacademy.org/educators/teacher-membership for information and to download membership application. |
Exploratorium | Free admission of CA public school educators. Please visit: https://www.exploratorium.edu/visit/teachers to learn more. |
Fine Arts Museum of SF | Discounted membership for educators available. Please call (800) 777-9996 to receive discount. |
SF Opera | 50% discount of single ticket prices. Visit: https://www.sfopera.com/buy-tickets/student-and-teacher-series/ for info on obtaining this discount. |
Commuter Transit | |
Getaround | Use promo code “LOCAL30” when registering for an account at www.getaround.com to receive $30 in free driving credits. |
Emergency Ride Home | If you walk, bike, take transit, or carpool and you experience a personal emergency at work—such as you or a loved one getting sick— San Francisco’s Emergency Ride Home program will cover the cost of your taxi ride home up to $150. Please visit: https://sfenvironment.org/emergency-ride-home for information. |
Commuter Transit (Cont’d) | |
Bay Wheels | Save $25 off the cost of your Bay Wheels annual membership: Login to your Bay Wheels account. Select See Plans under Membership Details. Select Get Started under Student or corporate discounts. Enter program code “99hd5” into Discounted Membership pop up. Follow the remaining steps to complete enrollment. |
Magic Bus | Start or join a MagicBus vanpool to save money on your commute and eliminate parking hassles! SFUSD Teachers receive $50 in cash for driving a vanpool or $20 in credit for rides. Text “SFUSD” to 312-972-5138 to sign-up and get more information. |
Fitness | |
Hit Fit SF | $0 sign up fee and $139 a month with no contract. Call (415) 440-8269 or e-mail laurahitfitsf@gmail.com for enrollment info. |
Fitness SF | $0 Enrollment fee. $99.95 per month and access to all 8 bay area locations + one complimentary training session. Call (415) 348-6377 or e-mail corporatewellness@fitnesssf.com for enrollment info.
|
LiveFitGym | $10 off monthly membership; no contract. Call (415) 525-4364 for enrollment info. |
Planet Fitness | $15 per month + $59 sign-up fee and $30 annual rate lock-in fee (San Francisco access only) or $19.99 per month + $39 sign-up fee and $300 annual rate lock-in fee. Call (415) 433-3033 or e-mail planetfitness@gmail.com for enrollment info. |
Please note: Discounts are subject to change anytime and are not directly administered by SFUSD. Please contact the respective vendor for additional info, questions or concerns. The benefits office cannot assist with these discounts.
Additional Discounts (4 of 4)
Reference and Supplies | |
The Container Store | Organized Teacher Program offers special discounts throughout the year. Visit https://www.containerstore.com/teachers/index.htm for more info. |
Flax Art & Design | 10% off in-store purchases with school ID. |
Michael’s Crafts | 15% off entire purchase when you show your school ID in-store. |
Washington Post | Free online subscription with a .edu email address. |
Please note: Discounts are subject to change anytime and are not directly administered by SFUSD. Please contact the respective vendor for additional info, questions or concerns. The benefits office cannot assist with these discounts.
Retail | |
Ann Taylor Loft | 15% off in-store full-price purchases when you register at Loft Loves Teachers. Click here to visit website. |
Banana Republic | 15% off in-store full-price purchases when you show your school ID. |
Cost Plus World Market | Bay Area educators can apply for a $10% discount card (excludes gift cards and alcoholic beverages). E-mail info@costplus.com to learn more. |
Dagne Dover | The Dagne Heroes program offers 20% off handbag purchases. Click here to request the discount code. |
Eddie Bauer | 10% - 15% off in-store purchase when you show your school ID. |
J. Crew + J. Crew Factory Outlet | 15% off in-store purchase when you show your school ID. |
Madewell | 15% off at checkout when you show your ID in-store. |
Steve Madden | 10% off on in-store purchases with valid school ID. |
Almost done...
Some advice and key HR contacts for you to know:
If you have questions about your health, dental and vision insurance, or general benefits related questions, please submit a help desk ticket to: eis.sfusd.edu |
If you have questions about your salary (rate of pay, salary steps, new transcripts for salary increases), please submit a help desk ticket to: eis.sfusd.edu |
If you have questions about taking a leave of absence (medical, maternity, personal, sabbatical, etc.)please submit a help desk ticket to: eis.sfusd.edu |
Your Union: United Educators of San Francisco www.uesf.org |
If you have questions about your paycheck (direct deposit, tax withholdings, garnishments, W-2) please please submit a help desk ticket to:eis.sfusd.edu |
HSS (Health Service System) www.sfhss.org 1145 Market St. 3rd Fl. SF, CA |