Cafeteria Worker Healthcare
Healthcare FAQ for Cafeteria Workers
FAQ:
Frequently Asked Questions
Health Care for Cafeteria Workers
Is it going to cost me money?
No and Yes.
LAUSD does not require employees to pay the monthly premiums for health care. No money will be taken from your check. However, participants will need to pay a $10 co-pay when they see the doctor and a co-pay of $5.00, $7.50 or $10.00 for prescriptions.
What if I missed the October 31
st
deadline?
You will not lose your eligibility. As a first time enrollee, you may sign-up whenever you wish, though we encourage people to sign-up sooner than later. Your health care coverage will become active the 1
st
day of the month following the month that papers are turned in. If you turn in your completed papers in November, you will be covered by District insurance health care on December 1
st
.
Do 10 month employees have to pay for the health care over the two month break?
No. Employees pay NO monthly premiums.
Can I opt out? Under what circumstances?
Yes, you can opt out.
Eligible employees must show proof of other health coverage.
You will receive a $1000 incentive for opting out which will be paid in monthly installments. The district provides the opt-out-incentive to encourage employees to use other health care plans outside of LAUSD.
When can I add my spouse or dependents?
Anytime. You will need to provide the necessary documentation such as a birth or marriage certificate. Domestic partners are also covered. Contact the District for a packet on Domestic partners.
Do I have to pay for my spouse or dependents?
No
What if I have Medi-Care / Medi-Cal?
If you sign up for the District health care insurance you will no longer be eligible for Medi-Cal. Depending on your income, Medi-Cal does not have co-pays and the definition of dependents is much broader than the District’s.
If you are receiving Medicare and sign up for the District insurance plan, you will not lose Medicare coverage or any services provided by Medicare. However, you will need to sign your Medicare over to the health plan. If you are to separate from the District, you will still have your Medicare coverage.
Can I just sign up for vision/dental?
Yes.
If you opt out of District medical coverage, you may still continue dental and vision care coverage. You will be eligible to enroll for medical coverage again next year. Your benefits are not permanently forfeited, and you stay eligible for retirement benefits.
What type of life insurance does the District offer?
The District offers two types of life insurances: one is free and the other costs money, but is voluntary.
As a benefited District employee, you automatically receive basic life insurance coverage equal to $20,000.
The forms in your packet are for the voluntary life insurance. It is a low-cost life insurance that, if selected, will be deducted from your paycheck. Depending on the contribution level you select, your beneficiaries may receive between ½ to 5 times of your annual salary.
What is the Flexible Spending Account?
This is a voluntary savings program that allows you to set aside pre-tax dollars for medical and child care expenses. This program saves employees money because their gross income is lowered by the amount saved causing them to pay less taxes.
Forms & Additional Information:
Cafeteria Worker Health Care Enroll Form
Cafeteria Worker FSA Enrollment Form
Health Care Worker Life Insurance Form
Cafeteria Worker Medical Plan
Cafeteria Worker Dental Plan
Cafeteria Worker Vision Plan
Cafeteria Worker Health Care Questions