Employee Benefits

A summary of each medical plan the District offers is listed on this page. We recommend that each employee spend some time reviewing the plans. (Note: Kaiser $25/$10 automatically comes with vision.)

Frequently Asked Questions

How can I find out how much I’ll pay monthly if my health plan costs more than the District cap?

The amount you will have to pay per month over the District cap is indicated on the documents listed on this page. 

What plans are offered through RCSD?

The plans offered are:

• Western Health Advantage (WHA)
  • HMO
  • High Deductible (2 plans)
• Sutter Health Plus (SHP)
  • HMO
  • High Deductible (2 plans)
• Kaiser
  • $25/$10
  • High Deductible (2 plans)

What happens if I opt out of dental coverage, or decide to reenroll at a later date? 

If you opt out of dental, you and your dependents will lose your current percentage of payment. Should you re-enroll in the future, your coverage percentage will be reset to the 70% benefit level.

Does RCSD offer life insurance?

The District, provided you are enrolled in a health plan, pays the premium for Basic Life Insurance through The Hartford in an amount equal to 1 times your annual earnings to a maximum of $200,000.

What will be my monthly premium costs? 

Depending on which scenario you choose, check the applicable rate sheet to find out what your premium cost will be each month.

Can I waive my benefits if I’m covered under my spouse’s insurance? 

It is possible to waive benefits if your spouse does not work for the District and has a plan that works better for you. Remember, waiving your benefits means that you will have no dental, vision or life insurance.

How do I update my benefits if I’ve had a qualifying life event? 

If you want to make changes to your benefits due to a qualifying life event please email your payroll technician.

Who is eligible for coverage under the VSP vision plan? 

The VSP vision plan is only for employees. This plan does NOT cover any dependents.