3 of 19

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		85% (after $250 deductible)

Your health benefits at a glance

Please refer to the 2024 Health Benefits Guide for detailed plan info and premium rates

4 of 19

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	EE only: $11.56 EE + 1 dependent: $17.59 EE + family: $36.06

5 of 19

Delta Dental is a PPO dental plan that allows the flexibility of seeing in-network and out-of-network providers while offering up to $1500 of coverage, annually. Here’s how it works:

What does it cost?	There is no monthly premium deduction for employee and dependent coverage.
What is my coverage?	Diagnostic, Preventative and Basic Benefits are covered at 70% for the first year of enrollment. If you use your dental plan at least once each year, with no break in service, you will earn an additional 10% of coverage until you max out at 100%. See table below:
	1st year: 70%	2nd year: 80%	3rd year: 90%	4th year: 100%
	For 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 $1500.00

6 of 19

Sick leave (how it works):
Regular Sick Leave	All tenured, probationary and temporary Certificated employees are entitled to 10 sick days, which will be credited at the beginning of the school year or prorated from the time of appointment. Child Development Teachers working a 218 day calendar will receive 11 sick days each school year. A teacher is compensated their full day rate of pay when using a regular sick leave day.
Extended Sick Leave	After all earned and accumulated sick leave is exhausted, 100 extended sick days will be available each year for use while sick or injured. Extended sick days do not roll over and can only be used for a single illness or accident. Extended sick days will be paid at an employees pro rata salary minus the per diem rate of a substitute teacher. Medical documentation is required as well.
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.” New hires: a link to this form is included in the Chalk Schools Benefits Packet.

7 of 19

Life Insurance AD&D and Long-Term Disability (Symetra):

What are the policy amounts?	The life insurance benefit is $25,000. The Accidental Death and Dismemberment benefit is also $25,000. The Long-term disability coverage is 50% of your salary, up to a maximum of $1,000 per month. There is a 180-day waiting period from the date last worked or date of injury/illness.
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 enter your beneficiary elections into EMPowerSF during Open Enrollment. New Hires: You can enroll beneficiaries onto your life insurance policy via EMPowerSF. Details are included in the EmpowerSF Self Service Guide.
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.

8 of 19

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?	New members contribute 10.205% of their base wages via pre-tax monthly paycheck deductions. Existing employees with a membership date on or before 12/31/2012 will contribute 10.25% of their base wages via pre-tax monthly paycheck deductions.
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.

9 of 19

	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?	Medical copayments Dental co-insurance Out of pocket expenses for glasses or contacts And more!	Preschool Summer Day Camp Day Care And more!
How much can I elect?	Up to $3200 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 WageWorks account at www.wageworks.com.

List of eligible Medical FSA expenses

10 of 19

Commuter Transit Account

You can use the Commuter Transit Account with the following vendors: SF Muni BART (Bay Area Rapid Transit) Clipper Card UberPool Chariot AC Transit Greyhound California Amtrak Express And more…

Commute Benefits FAQ

WageWorks Commuter Benefit Accounts

11 of 19

Employee Assistance Program (EAP)

SFUSD provides a free employee assistance program, administered by Symetra Life, for the following services:

Mental health and counseling services
Financial and legal advice on parenting/family issues
Alcohol and drug dependency counseling
Child and elder care referrals
Living with chronic conditions counseling
Workplace conflicts and counseling

All active staff are eligible as of their date of hire. Here’s how to use the service:

Visit www.guidanceresources.com and click on the “I am a first-time user” link or call (888) 327-9573
Type “SYMETRA” as your web ID.
Create a username and password for future log-ins.

You can also talk with a specialist by calling (888) 327-9573.

Employee Assistance Program Flier

12 of 19

Employment Verification
Commercial	Please email your completed form(s) to verify.support@experian.com. The following information will be required to complete verification: Social Security Number, Employer Name (San Francisco Unified District), valid credit card info. Please note: A $25 fee is assessed to the commercial entity requesting this information.
Social Services	Please direct housing authorities (incl. subsidized housing), child protective agencies, sate/federal benefits programs and welfare offices to Please email your form(s) to verify@experian.com or fax (404) 829-1336. Questions? Contact Experian at 404-382-5400, option 2.
Public Services/Teacher Loan Forgiveness forms	Please fax Loan Forgiveness forms to (404) 829-1336 Attn: Uconfirm. Please allow up to 5 business days for processing of request.

13 of 19

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: Legal spouse or registered domestic partner (proof of legal marriage/domestic partnership is required). Natural children, stepchildren and adopted children (from birth to 26 years of age) Legal guardianship and court-ordered children (up to the age of 19) Adult disabled children
How do I apply for coverage?	New Hires: Enrollment occurs online. Health and vision - enrollment instructions are locate here. Dental enrollment occurs in EmpowerSF Existing employees: If a qualifying event exists, you can enroll online by visiting www.sfhss.org
What is the difference between HMO and PPO?	A HMO (Health Maintenance Organization) is a medical plan that offers benefits through a network of participating physicians, hospitals and other healthcare providers. A PPO (Preferred Provider Organization) offers benefits through in-network and out-of-network healthcare providers, allowing for a greater selection of providers.

1 of 2

14 of 19

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

15 of 19

Arts & Entertainment
ACT (American Conservatory Theater) act-sf.com	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 asianart.org/	Discounted educator membership. Please visit: https://visit.asianart.org/ecommerce/ItemList.aspx?node_id=65548 for pricing and to register membership.
CA Academy of Sciences calacademy.org	Discounted educator membership. Please visit: https://www.calacademy.org/educators/teacher-membership for information and to download membership application.
Exploratorium exploratorium.edu	Free admission of CA public school educators. Please visit: https://www.exploratorium.edu/visit/teachers to learn more.
Fine Arts Museum of SF famsf.org	Discounted membership for educators available. Please call (800) 777-9996 to receive discount.

Commuter Transit
Bike Share for All	Awaiting confirmation
Getaround getaround.com	Use promo code “LOCAL30” when registering for an account at www.getaround.com to receive $30 in free driving credits.
Scoot https://scoot.co/community-plan/	Scoot’s Community Plan allows riders to pay the discounted price of 50¢ to unlock and 7¢/minute to ride Scoot’s kick scooters. For more information, please click here.
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.

16 of 19

Commuter Transit (Cont’d)
Bay Wheels baywheels.com	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 magicbus.io	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
Active&Fit Direct Medical Plan Benefit	The Active&Fit Direct program gives you access to a fitness center membership for just $25 a month, plus a $25 enrollment fee. Choose from 11,000+ participating fitness centers and instructor-led classes nationwide and start exercising today.

Fitness (Cont’d)
Fitness SF fitnesssf.com	$0 Enrollment fee. $89.95 per month and access to all 7 bay area locations + one complimentary training session. Call (415) 348-6377 or e-mail corporatewellness@fitnesssf.com for enrollment info.
Hit Fit SF hitfitsf.com	$0 sign up fee and $139 a month with no contract. Call (415) 440-8269 or e-mail laurahitfitsf@gmail.com for enrollment info.
LiveFitGym livefitgym.com	$10 off monthly membership; no contract. Call (415) 525-4364 for enrollment info.
Planet Fitness planetfitness.com	$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.
Studio Mix studiomix.com	Unlimited club and class access. One-time $50 enrollment fee; $135 per month; no contract. Call (415) 926-6790 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.

17 of 19

Additional Discounts (3 of 4)

Reference and Supplies
Barnes & Noble	20% off list price when educators sign up for the B&N Educators Program. Click here to learn more. Program ended eff Feb 2023
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.
Jo-Ann Fabric & Craft Store	15% off every purchase when you join the Teacher Rewards Program. You’ll also get a 20% off total purchase bonus coupon when your discount card is mailed to you. Click here for more info.
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.

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.
Columbia	Exclusive access to the Columbia Sportswear Employee Store, bring your school I.D along with this invitation.

18 of 19

Additional Discounts (4 of 4)

Voluntary Supplemental Services
AFLAC	Offers Supplemental Life insurance, Accidental, Short-term disability, Cancer and Hospital Indemnity policies. To enroll or service existing policies, please call (833) 218-5375 or schedule an appointment by visiting the following link: www.aflac.com/schedule/SFUSD
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 Kevin Howard at kevin.howard@coloniallife.com
Legal Shield	Offering prepaid legal services. Visit www.masoli.net for information on products and to get in touch with an agent.
TDS Group	Offering pre-tax 403B and 457 Retirement plans from a host of popular vendors. Visit Request more information or schedule a time to speak with a Benefits Counselor or call (888) 945-8407 for assistance.
Washington National	Offers voluntary life insurance policies. For information on products and rates, please email Susan Monticello at susan.monticello@pmagent.com or Eric Robinson at ericrobinson@pmagoldrush.com

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.

19 of 19

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