Health and Welfare

 

Health and Welfare Information

Lake Tahoe Community College (LTCC) full-time employees are eligible for health and welfare benefits worth $19,530 each year. This includes medical, dental, vision, long-term disability, and life insurance.

Tri-County Schools Insurance Group (TCSIG), LTCC’s insurance JPA, was formed in 1983 to establish and maintain property, liability, health, dental, vision and group life insurance. Its mission is to pool risk and purchasing power of public entities to provide quality programs to our participants in an effective manner while emphasizing customer satisfaction, stability, financial solvency and cost.

A comprehensive and affordable health and welfare plan is a cornerstone of LTCC’s compensation package and helps support our ability to recruit and retain quality employees. While much focus is placed on the health and welfare cap amount of $19,530, it is equally important to note the quality and affordability of the plans that are available to employees and how far that cap goes toward the costs of these plans.

  • Detailed Health & Welfare Coverage and Information

Medical Insurance
TCSIG provides employees with Preferred Provider Organization (PPO) plans that include out-of-pocket deductibles.

The following is a list of other amenities included in TCSIG's medical coverage:

Dental Insurance
The LTCC health & welfare coverage package includes the D1B Dental Plan from Delta Dental. The annual maximum TCSIG will pay for dental work is $2,000 unless the insured uses a dentist approved by the Delta Preferred Option program. Then the additional $250 is added to the annual maximum.  If a non-participating dentist is used, then costs of covered benefits will only be covered at 50%.

Vision Insurance
The LTCC health & welfare coverage package includes Plan C from VSP. This plan covers one annual eye exam. Additionally, an annual eyeglass frame allowance of $150 (with 20% discount on frame overage) OR an annual contact lens allowance of $150. To view your personal benefit information, visit VSP. You may also call VSP at (800) 877-7195.

      • VSP Vision Insurance - Plan C

Life and AD&D Insurance

The LTCC health & welfare coverage package includes Option III from Voya Financial. This policy pays $50,000 to your beneficiary. It also provides $5,000 life insurance for a spouse and/or dependent. Group life coverage through Voya also includes Emergency Travel Assistance Services which provides immediate access to doctors, hospitals, pharmacies and certain other services for eligible participants while traveling internationally or domestically more than 100 miles away from home.

  • Telemedicine

Saving money for the employee and employer

The top three reasons TCSIG members visit the emergency room are:

      1. headaches
      2. back pain
      3. urinary tract infections

ER visits are expensive both for the covered individual and for the insurance provider which eventually bleed into premium costs. To try and avoid unwarranted costs, TCSIG provides a number of cost saving methods to its members.

      • TCSIG Wellness Center Televisit, this FREE benefit for TCSIG members uses an online application will allow you to visit face-to-face with one of our Nurse Practitioners via video-chat from your desktop or mobile device.
      • LiveHealth Online, whether you’re at home in the middle of the night or in the middle of a road trip. You can talk to a doctor any time of day, wherever you are. LiveHealth Online lets you have face-to-face conversations with a doctor on your computer or mobile device. It’s medical advice the moment you need it. No appointments. No waiting. So simple. And it costs the same or less than you’d pay for a regular doctor visit. 
        • Download the LiveHealth Online app for virtual visits on your mobile device.
        • FREE for TCSIG members on the premier, standard, and basic plans. Cost for CDHP plan members is $49 per visit.
        • The cost is $59 per medical visit if you do not have insurance.
        • Now you can see a psychologist or therapist at home in just a few days, using LiveHealth Online Psychology you can talk face-to-face with a licensed therapist or psychologist through high-definition video on your smartphone, tablet or computer with a webcam. Cost for per cognitive visit ranges from $89-$110 per visit.
 
Additional Information

Part 2 Information:

The District has received preliminary findings on the classification portion of the overall study from Ewing Consulting.

Based on input from your questionnaire and classification interview, a job description has been drafted and classification assigned to your position. You should have received a link to your specific job description on Thursday June 8, along with the feedback form as an attachment.

Feedback forms for both supervisor and employee are due back to the Human Resource Office by 5pm on June 15. 

If we do not receive a feedback form from you, we will assume you are satisfied with the classification title and description.

Please contact the Human Resource Office with any questions.

 

Part 1 Information:

Employee Orientations conducted on Thursday, January 26, 2017.
 
Supervisor Orientation conducted during PAC on Tuesday, February 14, 2017.
 
Employee Cover Letter & Position Information Questionnaire - due to your supervisor by Thursday, February 16, 2017
(Your supervisor is whoever signs your evaluation.)
 
Supervisors (supervisor cover letter) to turn completed forms into Human Resources by Wednesday, March 1, 2017.
 
Interview sessions to be conducted on March 29-31, 2017.
 
Advisory Committee Members

Classified reps:
Kathy Strain - ext. 267
Heather Cade - ext. 212
Julie Booth - ext. 477

Confidential/Director rep:
Al Frangione - ext. 322
 
District reps:
Shelley Hansen - ext. 269
Mark Zacovic, Ph.D. - ext. 675
 
"Small 8" Community College Comparisons:
Lake Tahoe Community College District
Mendocino-Lake Community College District
Siskiyous Joint Community College District
Feather River Community College District
Barstow Community College District
Copper Mountain College District
Lassen Community College District
Palo Verde Community College District

 

Local Public Agency Comparisons:
Lake Tahoe Unified School District
City of South Lake Tahoe
El Dorado County
South Tahoe Public Utilities District
El Dorado County of Education

There will be no rate increase for 2018/2019 PPO plans.

The Premier, Standard and CDHP plans have been enriched as well.

  • The Premier Plan's calendar year out-of-pocket medical is now $2,500 (reduced from $3,000) per person and $5,000 (reduced from $6,000) for family.
  • The Standard Plan's calendar year out-of-pocket medical is now $3,500 (reduced from $4,000) per person and $7,000 (reduced from $8,000) for family.
  • The Basic Plan was enriched in 2017/18 as the deductible is now $1,000 (reduced from $1,500) per person and $2,000 (reduced from $3,000) for family, and the coinsurance is now 30% (reduced from 50%).
  • The CDHP Plan's medical deductible is now $1,500 (reduced from $1,750) per person and $3,000 (reduced from $3,500) for family and the calendar year out-of-pocket medical is now $5,000 (reduced from $6,450) per person and $10,000 (reduced from $12,900) for family.

There will also be no rate increases for our dental and vision plans. This rate lock is partly the result of a multi-year effort of work by the JPA (with LTCC representative participation) to better contain costs, renegotiate better medical provider contracts, and be more efficient. 

To compare the information for all four, see Benefits at a Glance.

What you need to do for Open Enrollment 2018/2019:
Fill out a Form:

Do you want to change your plan?

Electronically fill out the Change Form


All forms must be submitted to Human Resources by Wednesday, May 30, 2018 at 5pm.   

 

There is no rate increase for 2019/2020 PPO plans.

In the last two years our medical plans have been enriched to provide lower costs covered members.

  • The Premier Plan's calendar year out-of-pocket medical is $2,500 (reduced from $3,000) per person and $5,000 (reduced from $6,000) for family.
  • The Standard Plan's calendar year out-of-pocket medical is $3,500 (reduced from $4,000) per person and $7,000 (reduced from $8,000) for family.
  • The Basic Plan was enriched in 2017/18 as the deductible is $1,000 (reduced from $1,500) per person and $2,000 (reduced from $3,000) for family, and the coinsurance is now 30% (reduced from 50%).
  • The CDHP Plan's medical deductible is $1,500 (reduced from $1,750) per person and $3,000 (reduced from $3,500) for family and the calendar year out-of-pocket medical is now $5,000 (reduced from $6,450) per person and $10,000 (reduced from $12,900) for family.

There is also no rate increases for our dental and vision plans. This rate lock is partly the result of a multi-year effort of work by the JPA (with LTCC representative participation) to better contain costs, renegotiate better medical provider contracts, and be more efficient. 

To compare the information for all four, see Benefits at a Glance.

What you need to do for Open Enrollment 2019/2020:
Fill out a Form:

Do you want to change your plan?

Electronically fill out the Change Form

All forms must be submitted to Human Resources by Friday, May 31, 2019 at 5pm.

 

There is no rate increase for 2020/2021 PPO plans.
 
The District provides an annual cap of $18,456 per eligible employee, along with their dependents, to be applied toward a Health and Welfare benefit package and medical plan of their choice from our Tri County Schools Insurance Group (TCSIG) provider.
 
To compare the information for all four, see Benefits at a Glance. 
 
The PPO Plan Document has definitions, explanations of medical benefits, claim procedures and more. Please look here for detailed information about the PPO plan.

Each eligible employee can choose of four comprehensive medical plans, for more information you may review the Summary of Benefits and Coverage for each plan. 
 

What you need to do for Open Enrollment 2020/2021:

Do you want to stay on your current plan?

Fill out a Form:

Do you want to change your plan?

Electronically fill out the Change Form

All forms must be submitted to Human Resources by Wednesday, June 10, 2020 at 5pm.

There is no rate increase for 2021/2022 PPO plans. Not only is this the fifth (5 years!) of no rate increases, TCSIG has sprinkled plan enhancements throughout these years to provide increased value to its members.
 
The District provides an annual cap of $18,456 per eligible employee, along with their dependents, to be applied toward a Health and Welfare benefit package and medical plan of their choice from our Tri County Schools Insurance Group (TCSIG) provider.
 
To compare the information for all four, see Benefits at a Glance. 
 
The PPO Plan Document has definitions, explanations of medical benefits, claim procedures and more. Please look here for detailed information about the PPO plan.

Each eligible employee can choose of four comprehensive medical plans, for more information you may review the Summary of Benefits and Coverage for each plan. 
 
What you need to do for Open Enrollment 2021/2022:

Do you want to stay on your current plan?

Fill out a form:

Do you want to change your plan?

Electronically fill out the Change Form

All forms needed to be submitted to Human Resources by Monday, May 24, 2021 at 5pm.

Open Enrollment 2022/2023

There are no rate increases for 2022/2023 PPO plans. Not only is this the sixth (6 years!) of no rate increases, Tri County Schools Insurance Group (TCSIG) has sprinkled plan enhancements throughout these years to provide increased value to its members.
 
The Lake Tahoe Community College District provides an annual cap of $18,456 per eligible employee, along with their dependents, to be applied toward a Health and Welfare benefit package and medical plan of their choice from our TCSIG provider.
 
To compare the information for all medical plan choices, see Benefits at a Glance. 
 
The PPO Plan Document has definitions, explanations of medical benefits, claim procedures and more. Please look here for detailed information about the PPO plan.

Each eligible employee can choose one of four comprehensive medical plans. For more information, review the Summary of Benefits and Coverage for each plan. 
 
What ALL COVERED EMPLOYEES need to do for Open Enrollment 2022/2023:

1. Complete the HCOnline Open Enrollment process (even if you are not changing plans). A full explanation on how to register, open enroll, and change plans if applicable is available in the HCOnline Open Enrollment 2022/23 Registration Guide. 

2. Fill out a web form:

If you end up in Premier or Standard for 2022/2023, fill out a Payroll Deduction Form
If you end up in Basic for 2022/2023, fill out a Payroll Contribution Form
If you end up in CDHP for 2022/2023, fill out a Payroll Contribution Form 
3. Be sure to have active/open HSA, 403(b) or 457 plan if you end up in Basic or CDHP. Please email humanresources@ltcc.edu with questions about activating/opening HSA, 403(b) or 457 plan(s).

Steps 1 and 2 above need to be completed by Monday, May 30, 2022 at 5pm.

 
Health and Welfare Information

Lake Tahoe Community College (LTCC) full-time employees are eligible for health and welfare benefits worth $18,456 each year. This includes medical, dental, vision, long-term disability, and life insurance.

Tri-County Schools Insurance Group (TCSIG), LTCC’s insurance JPA, was formed in 1983 to establish and maintain property, liability, health, dental, vision and group life insurance. Its mission is to pool risk and purchasing power of public entities to provide quality programs to our participants in an effective manner while emphasizing customer satisfaction, stability, financial solvency and cost.

A comprehensive and affordable health and welfare plan is a cornerstone of LTCC’s compensation package and helps support our ability to recruit and retain quality employees. While much focus is placed on the health and welfare cap amount of $18,456, it is equally important to note the quality and affordability of the plans that are available to employees and how far that cap goes toward the costs of these plans.

Open Enrollment 2023/2024

The Lake Tahoe Community College District is excited to announce an increase to the annual health and welfare cap provided to each eligible employee. In 2023/2024, the annual cap will be $19,530 per eligible employee, along with their dependents, to be applied toward a Health and Welfare benefit package and medical plan of their choice from our TCSIG provider.

After six years of no rate increases, there is a slight rate increase for 2023/2024 PPO plans. Tri County Schools Insurance Group (TCSIG) has sprinkled plan enhancements throughout these years to provide increased value to its members.

To compare the information for all medical plan choices, see Benefits at a Glance. 
 
The PPO Plan Document has definitions, explanations of medical benefits, claim procedures and more. Please look here for detailed information about the PPO plan.

Each eligible employee can choose one of four comprehensive medical plans. For more information, review the Summary of Benefits and Coverage for each plan. 
 
What ALL COVERED EMPLOYEES need to do for Open Enrollment 2023/2024:

1. Complete the HCOnline Open Enrollment process (even if you are not changing plans). A full explanation on how to register, open enroll, and change plans if applicable is available in the HCOnline Member Enrollment Guide.

2. CHECK YOUR DEMOGRAPHIC INFORMATION in HCOnline, update as necessary.

3. Fill out a web form:

4. Be sure to have active/open HSA, 403(b) or 457 plan if you end up in CDHP. Please email humanresources@ltcc.edu with questions about activating/opening HSA, 403(b) or 457 plan(s).

Steps 1 and 2 above need to be completed by Friday, June 23, 2023 at 5pm.