CHE_Logo  

College Health Enterprises

2024 Benefits

Scroll down to learn more about your benefit options

 

Your 2024 Benefit Guide

College Health Enterprises ▼

Click here to view your 2024 benefit guide.

Click here to download your 2024 benefit guide.

Cerritos ▼

Click here to view your 2024 benefit guide.

Click here to download your 2024 benefit guide.

Costa Mesa ▼

Click here to view your 2024 benefit guide.

Click here to download your 2024 benefit guide.

Your 2024 Benefit Options

We are committed to offering a portfolio of benefits that give you peace of mind in knowing that the most important things in life are protected - your family, your finances, and your future. For detailed information about each of the benefits plans and programs available to you and your family, please click on the down arrow for each benefit listed below. 

CHE_Icons_Medical

Medical - Aetna ▼

Administered by Aetna

You must designate a medical provider to confirm your election. 

We will be offering 3 different plans under Aetna:

  • HMO
  • Aetna Basic/AVN Network
  • PPO

Medical Plan SBCs:

How to Find a Doctor:

Download Aetna Pharmacy Drug Guide

CHE_Icons_Medical

Medical - Kaiser - New Plan Option!

Administered by Kaiser

The Difference Card is a benefit funded by
College Health Enterprises that helps you save money on your medical costs. Click here or the button below to learn more about how the Difference Card works with your Kaiser medical plan to save you money.

Learn More

Kaiser HMO - Difference Card Tutorial Video

 

Summary of Benefits and Coverage (SBC)

Cerritos: 2024 Kaiser SBC

Costa Mesa: 2024 Kaiser SBC

Medical Summary of Benefits (SBD):

Cerritos: Kaiser HMO

Costa Mesa: Kaiser HMO

CHE_Icons_Dental

Dental ▼

Administered by United Concordia

United Concordia’s large, nationwide dentist network, combined with their knowledge of local markets, means you can find affordable, quality care with great service no matter where you live.

With United Concordia, you'll have a choice of two comprehensive plans: 

Click here for instructions to create a United Concordia MyDentalBenefits online account!

CHE_Icons_Vision

Vision ▼

Administered by VSP

Vision Insurance features coverage for exams, prescription glasses, and contact lenses, as well as other items like Laser Vision Correction. You are free to choose an out-of-network doctor but will receive significant discounts with an in-network provider. 

Click here to learn more!

CHE_Icons_Disability

Short-Term Disability ▼

Administered by MetLife

Short-Term Disability insurance provides income protection should you experience a non-work related illness or injury. All benefits eligible employees have access to purchase Voluntary Short-Term Disability insurance through MetLife. 

Short Term Disability
Monthly Benefit Amount 25% of your annual salary, not to exceed $3,000 per month
Sickness Elimination Period 14 days
Accident Elimination Period 14 days
Max Coverage Period 12 months

Click here for instructions on how to file a claim.

Learn More 

CHE_Icons_Disability

Long-Term Disability ▼

Administered by Reliance Standard

Long-Term Disability insurance provides income protection should you experience a non-work-related illness or injury. All benefits-eligible employees have access to purchase Voluntary Long-Term Disability insurance through Reliance Standard. 

Long-Term Disability
Monthly Benefit Amount 40% of your weekly salary, limited to $7,500 per month
Elimination Period 360 days
Benefit Period <61  - Up to 65
62  - 42 Mo
63  - 36 Mo
64  - 30 Mo
65  - 24 Mo
66  - 21 Mo
67  - 18 Mo
68  - 15 Mo
69> - 12 Mo

Learn More 

CHE_Icons_Life

Universal Life with Long Term Care ▼

Administered by Trustmark

Universal Life Insurance with Long Term Care through Trustmark provides lifelong protection with flexible premiums. This plan protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. This coverage also offers you living benefits should you need Long Term Care after becoming chronically ill and confined to a nursing or assisted living facility, or if you need to receive home health or adult day care.

The unique feature of Universal Life Insurance is that you build cash value with a guaranteed interest rate of 3% which may allow your premiums to remain level throughout the life of the contract.

CHE_Icons_Accident

Accident Insurance▼

Administered by MetLife

Accident Insurance can help you cover the extra costs that can occur when you, your spouse or your children suffer a covered injury. 

Learn More 

Accident Summary Flyer

CHE_Icons_FSA

Flexible Spending Account (FSA) ▼

Administered by WageWorks

Flexible Spending Accounts let you save for eligible health and dependent day care expenses with dollars that are withheld from each paycheck before taxes. They reduce your taxable earnings so you pay less in income taxes. There are two types of Flexible Spending Accounts, a Health Care FSA and a Dependent Care FSA.

  • Health Care FSA: In 2024 you may contribute up to $3,200 to cover eligible health care expenses. Don’t worry about spending all your FSA dollars by the end of the year - carry over up to $640 of unused funds into the next year. Click here to learn more!
  • Dependent Care FSA: You may contribute up to $5,000 per family in 2024 to cover eligible dependent care
    expenses ($2,500 if you and your spouse file separate tax returns). Click here to learn more!

Click here to learn more about the FSA Store!

CHE_Icons_Critical

Critical Illness Insurance ▼

Administered by MetLife

No one saves to get sick, which is why a diagnosis of a covered condition can be especially draining, both emotionally and financially. Critical Illness Insurance protects your family and your assets. 

The policy provides you with a lump-sum cash benefit in the event you or a loved one is diagnosed with a covered condition.

Learn More 

Critical Illness Summary Flyer

CHE_Icons_Identity

LegalShield & Identity Theft Shield▼

Legal coverage from LegalShield can offer you the support you need if you or your family members are in need of legal services. Covered services include:

  • Personal legal advice on unlimited issues
  • Letters/calls made on your behalf
  • Contract and document review
  • Preparation of wills and living wills
  • Moving traffic violations
  • IRS audit assistance
  • Trial defense (if named defendant/respondent in a covered civil action suit)
  • Uncontested divorce, separation, adoption and/or name change representation

Identity Theft Protection through IDShield offers you peace of mind that your personal information is secure from all forms of identity theft. IDShield Plans are available to cover you, your spouse, and up to eight dependents. This coverage includes:

  • Privacy and security monitoring of your name, SSN, date of birth, email addresses, phone numbers, driver license and passport numbers, bank account, and credit cards, as well as financial activity alerts and quarterly credit score tracking to keep you secure from every angle.
  • Consultation through 24/7/365 live support for covered emergencies, unlimited counseling, identity
    alerts, data breach notifications, and lost wallet protection.
  • Full service restoration and a $5 million service guarantee to ensure that if your identity is stolen, it will be restored to its pre-theft status.

Click here to learn more!

Click here for instructions to activate your account!

Click here to learn more about LegalShield and IDShield during COVID-19.

Download LegalShield & IDShield Benefit Summary

CHE_Icons_CancerGuardian

Genomic Life ▼

A new and innovative, high touch support program designed to provide an individual and their family with genetic testing that indicates whether you are predisposed to cancer, dedicated resources, and the technology needed to effectively navigate cancer while improving chances of survival. This benefit also includes a dedicated Cancer Guardian support specialist to collect pertinent information needed to source and access financial assistance due to COVID-19.

Some features of Cancer Guardian include:

  • Hereditary Screening Test
  • Comprehensive Genomic (DNA) Profiling
  • Cancer Guardian Support Line
  • Dedicated Nurse Case Manager
  • Medical Records Storage & Transmission Platform

Download Cancer Guardian Registration Instructions

Download Cancer Guardian Brochure

Download Cancer Guardian Flyer

Download Cancer Guardian Member Journey

CHE_Icons_LifeInsurance

Life and AD&D Insurance ▼

Administered by MetLife

Basic Life and AD&D insurance is provided at no cost to all eligible employees. This policy provides financial stability and protection for your family in case of death. Benefits are payable to your beneficiary, so be sure to keep your beneficiary designation up to date.

CHE_Icons_Hospital

Hospital Indemnity Insurance ▼

Administered by MetLife

With MetLife, you’ll have a choice of two comprehensive plans (called the “Low Plan” and the “High Plan”) which provide lump sum cash payments in addition to any other payments you may receive from your medical plan. View flyer for some of the covered benefits/services, when an accident or illness puts you in the hospital.

Learn More 

Hospital Indemenity Insurance Summary Flyer

CHE_OtherBenefits_Icon

Other Benefits Offered ▼

401(k) Savings Plan
Open enrollment for the 401k is every quarter effective 1/1, 4/1, 7/1 and 10/1. Look for flyers for the next open enrollment period!

Planning for your future means envisioning your best retirement and taking the steps today to get started.

Your employer has chosen Voya Financial® as the service provider for your retirement savings plan, to give you an easy and powerful way to
save for your future.

Now it is up to you.
Do something good for yourself. Take the time to learn the benefits of the Plan and enroll today.

Your future is in your hands.
Once you are enrolled, you will be able to utilize the tools, education and support to help you set realistic goals, plan confidently and stay on track to become financially healthy and retire well.

REACH: Employee Assistance Program (EAP)

REACH is your employee assistance and work/life service contracted by your employer as a benefit for you an your immediate family. The REACH staff are licensed/Certified Employee assistance Professionals that provide short term counseling assessment, referral and follow-up.

Why REACH Assistance?
We all experience personal and work related stressors at one time or another. Your employer cares that you get the right type of assistance for these problems. REACH has been contracted to confidentially give you immediate assistance and referral that will help you toward problem resolution.

What REACH Assistance?
REACH can assist you with all kinds of problems and work related stressors. The most common are:
  • Relationships: Family, Marital, Child
  • Addictions: Substance Abuse, Internet, Sex, Gambling
  • Emotional: Depression, Anxiety, Stress, Loss
  • Workplace: Co-worker, Supervisor,
  • Legal: Family, Personal Injury, Will, Criminal
  • Financial: Debt, Credit, Budgeting, Retirement
  • ElderCare: Caregiver, Retirement, Home Care
  • Parenting: Single, Step, New 

Are Services Free?
Yes. All services provided by REACH are prepaid by you employer for you and your dependents. However, continued treatment or a referral is recommended by the REACH staff, you will be responsible for any additional expenses. In many cases your health care insurance will cover part or all of that cost. The REACH staff will discus costs with you and will ensure that you get the help you need.

Are Services Confidential? 
Yes. By law and professional ethical code, you can be assured that all information given to REACH by phone ‹ in session will be afforded the maximum confidentiality The exception would be only by law where danger to self or others may mandate reporting. 

What Online Services? 
REACHline.com provides Self-Assessment Tools, Online Magazine, Links to Work/Life Skill Resources, and Access to REACH assistance. Click away!
  1. Go to www.reachline.com
  2. Click "Members" top left tab
  3. Enter password: reach
  4. Click on any areas desired
How Do I Contact REACH?
To make an appointment, talk to a counselor by phone or inquire about our services, call 1-800-27 3-5273. For crisis situations, access to a professional counselor is available by phone 24/7. For non-emergency needs, call during regular business hours: 8 a.m. to 5 p.m. Monday through Friday, or by email at 
info@reachline.com

 

Don't Miss Out!

Your new hire enrollment period is the only opportunity to enroll in benefits until the next annual enrollment period unless you experience a qualifying life event.

What is a qualifying life event?

Certain coverages allow limited changes to your benefit elections during the year. These benefits include the Medical, Dental, Vision, Life, and Disability. For these benefits, you may only make changes to your elections during the year if you have a qualifying life event.

Qualifying life events include:

  • Change in legal marital status, including marriage, divorce, death of a spouse, legal separation, or annulment
  • Change in number of children, including birth, adoption, placement of adoption, or death of a child
  • Change in employment status of employee, spouse, or dependent, including termination or commencement of employment, commencement or return from unpaid leave of absence
  • Change in dependent eligibility status, including attainment of age, student status, or any similar circumstance

The change to your benefit elections must be consistent with the qualifying life event. You have 30 days from the qualifying life event to request your enrollment change.