Open Enrollment FAQs

Open enrollment is held each November.  During open enrollment, employees who are eligible for health coverage may change their medical plan enrollment, add coverage for themselves and/or dependents not previously enrolled in coverage; or in some cases, decline coverage. 

All open enrollment changes, additions, and declinations of coverage are effective January 1st of next year.  Employees who wish to make a MCSIG plan change must complete, sign, and submit a MCSIG Change Form to Human Resources before November 22, 2019  (see the "Forms" below); accordingly, employees who do not wish to make a MCSIG plan change do not need to do anything.

Hartnell College provides health coverage through  (MCSIG) Municipalities, Colleges, and Schools Insurance Group ) .

Full-time  employees may select from a menu of medical plan options offered by MCSIG (all eligible employees are covered by the dental & vision plan).  The District pays 100% of full-time employee premiums, and 95% of dependent premiums - up to the cost of coverage for MCSIG's Medical PPO $25 plan (aka the "base plan").  

Employees who elect coverage costing less than the "base plan" may receive the difference in cost (up to $200/month) as a "shared savings" contribution paid by the District into a  Health Reimbursement Account (HRA).  See below "Active Employee Insurance Cost Comparison Chart," and  "District Health Benefits Overview" for more information, and visit the Section 125 & HRA webpage by clicking the link on the left.

 Coverage is  designed to emphasize wellness and preventative care, and includes the following programs:

  • MetLife Employee Assistance Program (EAP) coverage ⇒ NEW!! Effective January 1, 2020
  • BridgeHealth  Deductible-free, Medical/Surgical coverage 
  • CHPC Chiropractic coverage 
  • Express Scripts  Prescription coverage
  • Delta Dental  Dental coverage (Medium Level with Orthodontia, plan #7104-2198)
  • VSP Vision coverage (Medium Level, plan "B")
  • Epic Hearing  Hearing health coverage
  • Section 125  Health Care Expense & Child Care Expense Reimbursement program
  • Wellness Incentive Programs : Fitness Center Discounts, Healthy Weight Incentive, & more!
  • Life Insurance coverage (EE only) from Prudential Financial
  • Long-term disability income protection (EE Only) through MetLife (eff. 12/1/2018)
  • Accidental death and dismemberment coverage (employees only)

Plan Information

Employee Costs / Plan Rates

Prior Year Costs/Rates 

2019 Active Employee Insurance Cost Comparison Chart (Eff. Jan 2019)  
2019 MCSIG Medical, Dental and Vision Rates   

Active Employee Insurance Cost Comparison  (01/2018)
MCSIG Medical, Dental & Vision Rates  (01/2018)​​

Active Employee Insurance Cost Comparison (01/2017)  
MCSIG Dental & Vision Rates (01/2017)​​
MCSIG Medical Rates (01/2017 )

Active Employee Insurance - Cost Comparison (01/2016)
MCSIG Medical Rates (01/2016)
MCSIG Dental & Vision Rates (01/2016)

Prior Year 2014/15 MCSIG Medical Rates
Prior Year 2014/15 MCSIG Dental & Vision Rates
Prior Year 2014/2015 Base Plan Employee Cost Comparison  


See MCSIG Eligibility Rules for confirmation of required forms & documentation

  • MCSIG Change Form (pdf fillable)
    • Any employee who declines medical coverage MUST submit documented proof of other coverage (i.e., copy of medical ID card, or other certification of coverage) with the completed Declination form. 
    • CSEA unit members may not decline MCSIG medical plan enrollment, per collective bargaining agreement.
    • (Declination section on page 2 is REQUIRED if any coverage for an eligible employee and/or dependents is waived)
  • MCSIG Complete Care Enrollment Form   (pdf)
  • MCSIG Complete Care Attestation Form (pdf)
    • Both above forms are required WITH the MCSIG Change form if enrolling in Complete Care.
  • MCSIG New-Hire/Enrollment Form  (pdf)
    Documents verifying dependent status is required for all enrolled dependents, including Domestic Partners (see above "MCSIG Eligibility Rules"). 

Webpage last updated: 12/03/19

Who To Contact

  • Louann Raras
    Human Resources Specialist
    Phone: (831) 770-6166; FAX: (831) 755-6937
    Building: D - College Administration (North)
    Office: Room 110
    College Administration (North)