Hartnell College provides employee health coverage through  Municipalities, Colleges, and Schools Insurance Group (MCSIG) and provides employees the opportunity to voluntarily participate additional supplementary plans.

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 "Base Plan").  

Employees who elect to enroll in medical coverage that costs less than the "Base Plan" coverage may receive the difference in cost (up to $200/month). This is a District-paid "shared savings" contribution deposited into an HRA (Health Reimbursement Account) on behalf of the employee.  (For more information, see below, "Active Employee Insurance Cost Comparison Chart," and  "District Health Benefits Overview"; also, visit the Section 125 & HRA webpage by clicking the link on the left.)

Employee health coverage is  designed to emphasize wellness and preventative care, through a combination of the MCSIG program and the District's voluntary supplemental plans:

MCSIG Plans:

District voluntary, supplemental plans:

  • Section 125  Health Spending Expense Reimbursement Account (HSA) & Dependent DayCare Expense Reimbursement Account
  • 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)
  • Multiple voluntary supplemental plans administered by American Fidelity:  
    • Short-term Disability* 
    • Accident Only
    • Critical Illness
    • Hospitalization
    • Cancer  

Plan Information

Employee Costs / Plan Rates



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 (2021).  Employees who wish to make a MCSIG plan change must complete, sign, and submit a MCSIG Change Form to Human Resources for processing November 16, 2020 through November 27, 2020 (see the "Forms" below).  

Employees who do not wish to make any MCSIG health plan changes do not need to do anything during the open enrollment window.

Employees contemplating participation in the Section 125 reimbursement plan next year (2021) must complete the Section 125 enrollment.  


See: MCSIG Eligibility Rules for confirmation of required forms & documentation

  • MCSIG Change Form (2021 pdf fillable version)
    • 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)   - New 2021 Version Coming Soon!!
    Documents verifying dependent status is required for all enrolled dependents, including Domestic Partners (see above "MCSIG Eligibility Rules"). 


Prior Year Costs/Rates :

Active Employee Insurance Cost Comparison (Eff. 1/ 2020)  
MCSIG Medical, Dental and Vision Rates (Eff. 1/2020)   

Active Employee Insurance Cost Comparison  (01/2019)
MCSIG Medical, Dental and Vision Rates  (01/2019) 

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  

Webpage last updated: 4/19/21

Who To Contact

  • Louann Raras   
    Human Resources Specialist


    Phone: (831) 770-6166
    Building: D - College Administration (North)
    Office: Room 110 
    College Administration (North)
  • Alma Arriaga
    Human Resources Specialist


    Phone: (831) 770-6168
    Building: D - College Administration (North)
    Office: Room 111
    College Administration (North)