Benefits Enrollment
2026 Benefits
You'll have a choice between the following five medical plans:
- Kaiser Permanente HMO
- VEBA Direct HMO (Rady Children's, Sharp Community, Sharp Rees-Stealy, UCSD)
- UHC Harmony HMO (Sharp Community, Sharp Rees-Stealy, UCSD)
- UHC VEBA Alliance HMO (Scripps, Mercy, Optum Care, Rady Children's, UCSD)
- SIMNSA HMO (Cross-Border plan offers services in Mexico)
- Delta Dental PPO
- DeltaCare USA (Delta Dental) HMO
- VSP Vision PPO
2026 Benefit Plan Changes
Quick reference guides to search for a provider:
- Medical - Kaiser HMO
- Medical - United Healthcare HMO
- Dental - Delta Dental HMO and PPO
- Vision - VSP PPO
UnitedHealthcare HMO Network Comparison
Provider Medical Groups for San Diego County
Employees may opt-out of enrollment in a medical plan only with proof of other coverage. The following will be required and will need to be attached in the open enrollment task in Workday before submission. Employees that waive medical must still enroll in dental and vision.
- 2026 Medical Waiver Form (required annually)
- Proof of other coverage
Alternatively, two employees who are married, both eligible for benefits, and both working for the District may choose to be enrolled all under one person. Consequently, the other person will be able to waive medical, dental, and vision coverage in Workday because their spouse has enrolled them under their own coverage.
Please note that bargaining unit contracts do not allow for double coverage. Married employees who both work for the District cannot be enrolled under each other's plans and dependent children cannot be enrolled in both parents plans at the same time.
We offer benefits to eligible employees.
The Benefits Eligibility Grid illustrates employee types eligible for benefits.
When Do Benefits Start?
Employees in Group A & D: First of the month after hire OR on date of hire if hire
date is the first of the month.
Employees in Group B & C: Contact Human Resources
What is the Employee Contribution?
No charge for medical, dental, vision for employees and enrolled dependents. Group
E - Contact Human Resources.
No duplication of coverage for medical, dental and vision plans
Eligible employees and retirees may only be covered in a GCCCD plan type (medical,
dental, vision) in one instance. If an employee or retiree can be claimed as an eligible
dependent for a relative that is also an employee or retiree of GCCCD, they cannot
be enrolled under their own plan and at the same time as that of their relative.
Dependent children may only be covered in a GCCCD plan type (medical, dental, vision)
in one instance. If both parents are also employees or retirees of GCCCD, they must
decide which parent will cover the dependent child(ren). The child(ren) cannot be
covered simultaneously under the plan of each parent.
Example 1: Anna and Bob are married and both work for GCCCD. Anna wishes to enroll Bob under
her plan. Bob wishes to enroll Anna under his plan. This is an example of duplication
of coverage which is not allowed.
They are allowed only ONE of these choices: a) Anna enrolls Bob under her plan b)
Bob enrolls Anna under his plan c) Anna enrolls separately and does not add Bob; Bob
enrolls separately and does not add Anna.
Example 2: Charlie is the son of Anna and Bob. With both Anna and Bob working for the district,
they had to make a choice on which parent would enroll Charlie. They decided to cover
Charlie under Anna's plan as an eligible dependent child.
Charlie now becomes a recent hire at GCCCD and is eligible to enroll under his own
plan. He can elect to stay under Anna's plan and not enroll under his own plan (provided
that he is still an eligible dependent child). Or he must be terminated from Anna's
plan and enroll under his own plan. He will not be allowed to remain under Anna's
plan and also be enrolled under his own plan.
Waiving Medical Coverage
Employees can opt-out of enrolling in a medical plan. Proof of other medical enrollment must be provided to qualify for this waiver. Complete the waiver form found here. Contact the Benefits Technician for next steps.
Opt-outs are available during open enrollment or within 31 days of enrollment in a qualified external medical plan.
You may enroll an eligible dependent on your medical, dental and vision plans. Please review the Dependent Eligibility List of Acceptable Documents at the link below. You will be required to submit this proof as part of the enrollment process.
An eligible dependent child may stay enrolled on your plan through the month that they turn 26 years of age.
Unless you have a qualified change in family status as defined by the IRS, the choices you make when you first become eligible remain in effect for the remainder of the year. Once you are enrolled, you must wait until the next open enrollment period (Mid-October) to change your benefits or add or remove coverage for dependents to be effective January 1 of next year. You have 31 days from the date of your qualifying life event to make changes to your benefits coverage. Changes during a qualified event will be to the number of dependents, not to the plans elected. See documents below to view qualifying life events and to make the benefit changes in Workday:
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Note: Any change you make to your coverage must be consistent with the change in status.
Employees that are not eligible for District benefits can review the offering through the Health Insurance Marketplace through Covered California.
Health Insurance Marketplace Coverage Website