Employee Benefits
California Water Service Group and its subsidiaries offer medical, dental, and vision insurance to employees. General health benefit information is provided below. Additional and/or alternate benefits are available in some locations. Providers, members, and dependents of members can manage claims through the California Water Service Health Care Plan portal.
Medical
| Plan name |
California Water Service Healthcare Plan
(self-insured and self-funded) |
| Policy number |
Use insured's employee ID |
| Calendar year deductibles |
$100 per person
$300 per family |
| Hospitalization |
Basic Benefits |
First $3,000 at 100%; no deductible;
covers all
hospital charges and anesthesiology |
| Major Medical |
Balance at 80% after satisfying annual deductible |
| In-patient hospitalization |
Only for primary coverage
Report by leaving a message
at (408) 367-8315
Authorization number not required |
| Outpatient services |
No pre-approval required for any outpatient
services |
| Mental health |
In-Patient |
Same coverage as hospitalization |
| Out-Patient |
80% |
| Prescriptions |
Name brand |
80% |
| Generic |
90% |
| Longs Drugs |
Write CH20 on receipt for discount |
| Birth control |
Prescription only at 80% |
| Accidents |
Basic benefits |
First $300 at 100%; no deductible;
must seek medical attention within 48 hours of accident |
| PPO networks |
Interplan |
Discount applied when bill is paid |
| Chiropractic & acupuncture |
$1,500 per calendar year maximum;
first visit max paid to
$150;
second through 46th visit; Max paid $30 |
| Physical therapy |
Paid at 80% |
Dental
| Plan name |
California Water Service Healthcare Plan
(self-insured and self-funded) |
| Policy number |
Use insured's employee ID |
| Calendar year deductibles |
$50 per person
$150 per family |
| Annual maximum |
$4,500 per person per three-year period (1/1/09 to 12/31/11, etc.) |
| Benefits |
80% of reasonable and customary (R & C) charges, including crowns, dentures |
| Prophylaxis, bite-wing x-rays, and sealants |
Must be separated by five months; deductible waived |
| Full-mouth x-rays |
Every two years |
Prosthetic replacements:
(crown, dentures, caps, etc.) |
Every five years |
| X-rays |
Do not send unless requested |
| Pre-authorizations |
Are not required, but will be provided |
| Orthodontic |
Paid at 50%; up to $1,000 lifetime max |
Vision
| Plan name |
California Water Service Healthcare Plan
(self-insured and self-funded) |
| Policy number |
Use insured's employee ID |
| Benefit |
$450 paid at 100%;
no deductible;
covers a three-year period (1/1/09 to 12/31/11, etc.)
|
| Eye exams |
Paid under medical plan; subject to medical plan deductible |
| Coverage for |
Lenses |
Over-the-counter reading glasses |
| Frames |
Prescription sunglasses |
| Contacts |
Laser keratotomy
|
| Service agreements |
|