Pomona College believes that a robust offering of health insurance will enable employees to live well and work well. There are several choices that employee can make with regards to their health insurance. Be sure to speak directly to a member of the HR team or the benefits office should you require any clarification on available plans. Pomona also offers Accidental Death and Dismemberment, Long Term Disability, Life Insurance, Pet Insurance, and Travel Accident Insurance.
Insurance Offerings Details
Medical Insurance
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*
Cost to Employee
Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis.
Description
There are three medical plans available. The monthly employee portion of premium payments are as follows:
Employees earning under $52,000
| Medical Plan | Employee Only | Two Party | Family |
|---|---|---|---|
| Kaiser HMO | $67.91 | $142.60 | $203.71 |
| Blue Shield Access + HMO | $63.30 | $132.91 | $189.70 |
| Blue Shield Trio HMO | $24.99 | $104.94 | $149.77 |
| Blue Shield HDHP | $61.89 | $260.20 | $559.05 |
Employee earning over $52,000
| Medical Plan | Employee Only | Two Party | Family |
|---|---|---|---|
| Kaiser HMO | $67.91 | $285.20 | $611.14 |
| Blue Shield Access + HMO | $63.30 | $265.83 | $569.11 |
| Blue Shield Trio HMO | $24.99 | $104.94 | $224.65 |
| Blue Shield HDHP | $61.89 | $260.20 | $559.05 |
* Bargaining unit members are eligible for medical and dental coverage through UNITE HERE Health .
Dental Insurance
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.*
Cost to Employee
Employees pay a portion of the premium cost of coverage. Premiums are deducted from the employee’s paycheck on a pre-tax basis.
Description
There are two Cigna dental plans available. The monthly employee portion of premium payments are as follows:
| Dental Plan | Employee Only | Two Party | Family |
|---|---|---|---|
| Cigna Dental DHMO | $5.93 | $16.16 | $33.28 |
| Cigna Dental PPO | $40.31 | $79.20 | $156.32 |
* Bargaining unit members are eligible for medical and dental coverage through UNITE HERE Health.
Vision Plan
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
The Claremont Colleges currently pays the full premium cost of employee-only coverage for the Anthem Core Plan. Employees pay a portion of the cost of coverage for Anthem Core Plan coverage for dependents and the Anthem Buy-Up Plan. Premiums are deducted from the employee’s paycheck on a pre-tax basis.
Description
There are two Anthem vision plans available. The monthly employee portion of premium payments are as follows:
| Vision Plan | Employee Only | Two Party | Family |
|---|---|---|---|
| Vision Core | $0.00 | $1.53 | $3.41 |
| Vision Buy-Up | $7.46 | $12.60 | $20.90 |
Flexible Spending Accounts
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
Employee contributions are deducted from paycheck on a pre-tax basis.
Description
Flexible Spending Accounts (FSA) allow employees to set aside pre-tax dollars to pay for certain out-of-pocket eligible expenses and dependent care costs.
There are three types FSAs available:
- Healthcare FSA
- Limited Scope Health Care FSA
- Dependent Care FSA
Dependent FSA Subsidy
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
Pomona College pays subsidy based on a sliding scale dependent on employees’ annual salary and amount of employee voluntary contribution. Employees pay remaining portion.
Description
Pomona College contributes toward the cost of employees’ dependent flexible spending account.
Long-Term Disability
Effective Date
First day of employment if working 30 hours or more.
Cost to Employee
The Claremont Colleges currently pays the full premium cost of long-term disability.
Description
Employees may apply for long-term disability (LTD) coverage after being disabled for 180 days. LTD coverage could pay 66⅔ percent of employee’s covered monthly salary, up to a maximum benefit of $15,000 per month.
Life Insurance
Basic Life Insurance
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
The Claremont Colleges currently pays the full premium cost of Basic Life Insurance.
Description
The benefit amount is equal to one times the employee’s basic annual earnings (rounded to the next $1,000). The minimum coverage amount is $20,000, and the maximum coverage amount is $50,000.
Supplemental Life Insurance
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
Employees pay the full premium cost of coverage. Premiums are deducted from employee’s paycheck on an after-tax basis.
Description
Coverage is available in the following amounts:
| Eligible Member | Coverage Amount |
|---|---|
| Employee | 1–4 times employee’s basic annual earnings (rounded to the next $1,000), to a maximum of $1 million |
| Spouse | $10,000 increments, to a maximum of $250,000 or 100% of employee’s combined Basic and Supplemental Life Insurance coverage |
| Child(ren) Birth - 6 months | $1,000 |
| Child(ren) 6 months & older | $15,000 |
Accidental Death and Dismemberment
Effective Date
First day of the month after date of hire, or date of hire when date of hire is the first day of the month.
Cost to Employee
Employees pay the full premium cost of coverage.
Description
Accidental Death & Dismemberment (AD&D) insurance protects employees and their families in the event of an accident-related death or dismemberment. AD&D Insurance is available in the following amounts:
| Type of Coverage | Coverage Amount |
|---|---|
| Employee | $25,000 increments, up to $500,000, but not exceeding 10x employee’s annual salary if the selection is over $250,000 |
| Spouse | If only a spouse/domestic partner is covered, the spouse’s coverage amount is 100% of the employee’s coverage amount. If a spouse/domestic partner and children are covered, the spouse’s coverage amount is 80% of the employee’s coverage amount |
| Children | If only children are covered, the children’s coverage amount is 30% of the employee’s coverage amount If a spouse/domestic partner and children are covered, the children’s coverage amount is 20% of the employee’s coverage amount Maximum benefit amount of $50,000 |
Office Hours: 8 a.m. – 5 p.m. (by appointment only)