Enrollment Options at a Glance
This chart summarizes enrollment options for eligible employees as of January 1, 2014.
If you are an employee receiving benefits under the Long-Term Disability (LTD) Plan sponsored by the Company, your medical plan options will be one or more of the following: the Network Access Plan (NAP), administered by Anthem Blue Cross; the Comprehensive Access Plan (CAP) administered by Anthem Blue Cross, the Kaiser Exclusive Provider Organization (EPO) Plan and/or Kaiser Senior Advantage. The specific plan(s) that you are offered will be based on your home ZIP code and your Medicare eligibility.
For details about the Anthem NAP or CAP plans or Kaiser Senior Advantage plan, see "Medical Coverage" in the Health Care Benefits section of the 2011 Summary of Benefits Handbook for IBEW-, ESC- and SEIU-Represented Employees as modified by subsequent Summaries of Material Modifications (e.g., annual open enrollment guides), Evidences of Coverage and insurance policies, or see the most current summary plan description. For details about the Kaiser EPO Plan, please refer to the most current Kaiser Permanente Exclusive Provider Organization Plan Summary of Benefits Handbook.
Medical Coverage
Mental Health and Substance Abuse
(automatically included with medical coverage)
  • Mental health benefits:
    • Anthem HAP members: ValueOptions (VO) provides mental health treatment.
    • KPIC HAP members: KPIC provides mental health services, including inpatient and alternate levels of care, intensive outpatient or partial hospitalization, and outpatient mental health treatment.
  • Substance abuse treatment:
    • Anthem HAP members: ValueOptions (VO) provides substance abuse treatment.
    • KPIC HAP members:
      • Kaiser Permanente provides intensive outpatient, partial hospitalization and outpatient substance abuse services.
      • ValueOptions (VO) provides detoxification, inpatient and residential substance abuse treatment.
Prescription Drugs
(automatically included with medical coverage)
  • Anthem HAP members:
    • Drug coverage (retail and mail-order) provided by Express Scripts Retail Pharmacy Service and Express Scripts Mail Order, respectively.
  • Kaiser HAP members:
    • Drug coverage (retail and mail-order) provided through Kaiser Permanente.
Dental Coverage
Vision Coverage
Health Care Flexible Spending Account (HCFSA)
  • You can allocate between $50 and $2,500 a year per individual.
Dependent Care Flexible Spending Account (DCFSA)
  • You can allocate between $50 and $5,000 a year per individual or married couple filing a joint tax return. (Employees with a spouse filing separate tax returns may each contribute up to $2,500.)
Disability Coverage
You are automatically enrolled in the sick leave and/or company-sponsored disability programs at no cost to you, and in the California State Disability Insurance (SDI) Plan which you pay for with after-tax payroll deductions.
Life and Accident Insurance Coverage
  • When you are eligible, you are automatically enrolled for $10,000 in Basic Life Insurance coverage, at no cost to you.
  • You have the option to enroll for additional, supplemental life insurance coverage, up to a maximum of $1,000,000, at one of the following levels:
    • Standard Life ($50,000)
    • Life 1 (Equal to 1 times your annual pay)
    • Life 2 (Equal to 2 times your annual pay)
    • Life 3 (Equal to 3 times your annual pay)
    • Life 4 (Equal to 4 times your annual pay)
    • Life 5 (Equal to 5 times your annual pay)
    • Life 6 (Equal to 6 times your annual pay)
Accidental Death & Dismemberment (AD&D) Insurance Coverage
  • When you are eligible, you are automatically enrolled for $10,000 (or $250,000, depending on job level) in Basic Accidental Death and Dismemberment (AD&D) Insurance coverage, at no cost to you.
    • You have the option to enroll for additional Voluntary AD&D Insurance coverage, at one of the following levels:
      • AD&D 1 (1 times your annual pay)
      • AD&D 2 (2 times your annual pay)
      • AD&D 3 (3 times your annual pay)
      • AD&D 4 (4 times your annual pay)
      • AD&D 5 (5 times your annual pay)
      • AD&D 6 (6 times your annual pay)
      • When you enroll, you have the option to enroll your spouse, registered domestic partner, your children or the children of your registered domestic partner for Voluntary AD&D Insurance coverage, at one of the following levels:
        • Spouse or Registered Domestic Partner and Child(ren): An amount equal to 40% of your Voluntary AD&D Insurance amount for your spouse or domestic partner and 10% of your Voluntary AD&D Insurance amount for each child
        • Spouse or Registered Domestic Partner Only: An amount equal to 50% of your Voluntary AD&D Insurance amount
        • Child(ren) Only: An amount equal to 15% of your Voluntary AD&D Insurance amount for each child
Dependent Life and Accident Insurance Coverage
  • You may elect Dependent Life Insurance coverage of up to $100,000 for your spouse or registered domestic partner and up to $25,000 for your children (limited to 50% of your total Basic and Supplemental employee coverage).
See the Life and Accident Insurance Plans section of the Handbook for more information.
Business Travel Insurance (BTI)
  • From your date of hire, Business Travel Insurance pays a benefit if your death or dismemberment is the result of a covered accident while traveling on company business or commuting to or from work, subject to a few limitations.
See "Business Travel Insurance" in the Life and Accident Insurance Plans section of the Handbook for more information.
Retirement Benefits
  • As an eligible employee, your participation in the Retirement Plan is automatic and at no cost to you.
  • Generally, employees are eligible to enroll in the PG&E Corporation Retirement Savings Plan (also called the 401(k) plan) upon hire. You may enroll and have pre-tax, after-tax or a combination of these contributions deducted from your pay. If you are hired or re-hired on or after January 1, 2013, you will be automatically enrolled in the 401(k) plan after completing one year of service.
  • You may be eligible for Retiree Medical coverage if you retire after age 55 and are eligible for early or normal retirement benefits under the terms of the PG&E Retirement Plan. If you are a union-represented employee who terminates employment on or after January 1, 2004, you must also have a minimum of 10 years of Service.
  • When you retire after age 55, you will also be eligible for Retiree Life Insurance in the amount of $8,000.
See the Retirement Benefits and Life and Accident Insurance Plans sections of this Handbook for more information.
Work/Life Benefits
  • You may be eligible for a number of other benefits, such as the Adoption Expense Reimbursement Program, the Commuter Transit Program, the Employee Discount, Legal/Financial Solutions, the PG&E Children's Center, the Tuition Refund Program, and the Wellness and Health Advocacy Program. See the Work/Life Benefits section and the Wellness and Health Advocacy Program section for more information.
Declining Medical, Dental and/or Vision Coverage
If you are covered under another medical, dental, or vision plan outside of the Company (for example, through a spouse's employer), you may want to evaluate whether or not you need medical, dental or vision coverage through the Company. For information on declining coverage and opportunities that might allow you to enroll later, see "Declining Medical, Dental and/or Vision Coverage" in the Health Care Participation section.