Medical and Dental Plan Information

This page provides general information regarding Medical and Dental plans for Local 88, MCCDA, DSA, and JCSS employees.

On this page

  1. Medical Plan Choices:
  2. Dental Plan Choices:
  3. Default Enrollment
  4. Eligibility
  5. Opting-Out of Medical Coverage
  6. How To Sign Up
  7. Mid-Year Plan Changes

You must select one option from the medical choices. You do not need to enroll in a dental plan.

Medical Plan Choices:

Please note that EOC documents (full plan documents) usually arrive after February for the current year.

Prescription drug coverage is included with all medical plans.
Vision coverage is included with Moda PPO 400, Kaiser 10/20, and Kaiser Maintenance medical plans. The Moda Major Medical plan does not include vision coverage.

Dental Plan Choices:

Default Enrollment

If you do not enroll using Workday within your first 31 days you will be enrolled in the following plans:

  • Local 88 and JCSS employees:
    • Full-time employees – Moda PPO 400 Plan and the Delta Dental 50 Plan with employee-only coverage.
    • Three-quarter time employees – Moda Major Medical Plan with employee-only coverage.
    • Half-time employees – Moda Major Medical Plan with employee-only coverage.
  • All other employees:
    • Full-time employees – Moda Major Medical PPO Plan and the Delta Dental 50 Plan with employee-only coverage.
    • Part-time employees – Moda Major Medical Plan with employee-only coverage.

There will be no opportunity to change this default enrollment until the next annual open enrollment period or qualifying family status change.

Eligibility

Permanent full-time and part-time employees and their eligible dependents are eligible for County-sponsored health plan coverage. Part-time employees work .5 FTE to .79 FTE or 20 to 31.9 hours per week. The amount you pay for your premiums (monthly paycheck costs) is based on your bargaining unit, the plan, and the number of dependents.

Eligible Dependents:

  • Your legal spouse or domestic partner.
    • To enroll a spouse or domestic partner, an employee must also complete an Affidavit of Marriage/Domestic Partnership form.
    • Enrollment of a Domestic Partner creates an IRS tax event for the employee that reduces take-home pay (see imputed income below).
  • Children under age 26: employee's biological child, step-child, adopted child, child in employee's custody pending adoption, a child for whom employee is required by court order to provide coverage, a child for whom employee is court appointed legal guardian (up to the age of majority, or age specified by the court), and biological/adopted child of domestic partner.
    • Copies of court documents, adoption or placement records must accompany enrollment form.

IMPUTED INCOME TAX FOR DOMESTIC PARTNERS AND THEIR CHILDREN: The County allows coverage of a broader range of family members than the IRS recognizes as tax eligible dependents. If you enroll a non-IRS eligible dependent (domestic partner or child of a domestic partner), you will be required to pay tax on the value of that non-IRS eligible dependent’s coverage. This is called imputed income tax. If you have questions about the amount of additional tax you would pay for the coverage of a non-IRS eligible dependent, please contact the employee.benefits@multco.us for an estimate.

Opting-Out of Medical Coverage

If you don't enroll in a County medical plan, i.e. opt out, you can receive a payment as long as you have other coverage. An Opt-Out Affidavit is required.

Monthly Opt-Out Payment amounts:

  • Full-time employees - $250.00
  • Three-quarter time employees - $187.50
  • Part-time/Half-time employees - $125.00

You can still enroll in a dental plan, but there is no payment for opting-out of dental coverage.

You are not eligible for Opt-Out payments during any period you are in unpaid status.

How To Sign Up

You must enroll using Workday within 31 days of hire date. Failure to submit an enrollment form during this period will result in Default Enrollment for the employee.

COVERAGE BEGIN DATE: Medical and Dental Plan coverage begins on the first of the month following enrollment except if the first day of the month is your initial working day, and enrollment is completed on or before that date, coverage becomes effective on the first.

Mid-Year Plan Changes

You are responsible to report eligibility changes for enrolled family members due to:

  • additions to the family (by marriage, birth, etc.),
  • dependents that are no longer eligible for coverage (divorce, end of domestic partnership, etc.).
  • When requesting coverage cancelation of a spouse or domestic partner due to a divorce or end of a domestic partnership, a Statement of Dissolution of Marriage/Domestic Partnership webform must also be completed.
  • When you have such an event, regardless of when you report the eligibility change, the former spouse’s coverage is terminated retroactive to the end of the month in which the divorce was final; the former domestic partner’s coverage is terminated retroactive to the end of the month in which the partnership dissolved.

Failure to report these changes may result in the employee being billed for benefits used by the former spouse/partner after the date of divorce/dissolution.

The County allows employees a 60-day period to report the addition of a new dependent, or the cancelation of coverage for ineligible dependents. However, we encourage employees to provide this notification as soon as possible.

  • Failure to request enrollment of a new dependent during this 60-day period will mean you cannot enroll the dependent until the next annual open enrollment.
  • Failure to report an ineligible dependent within 60 days of the eligibility loss event may result in the County recovering the cost of claims paid on behalf of that dependent during the period of ineligibility. The termination of coverage will be based on the date of the event causing coverage loss – not the date the event is reported.

IMPORTANT NOTE: Federal COBRA (the opportunity to continue coverage for a former dependent by paying the entire premium) regulations require an employee to report a dependent’s loss of eligibility within 60 days of the eligibility loss event. Failure to report eligibility loss during this 60-day period causes a forfeiture of the terminated dependent’s COBRA rights.

Last reviewed December 2, 2024

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