Medical Plans

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VTA contracts with CalPERs for medical plans. CalPERS offers six HMO plans and two PPO plans. Please note, not all plans are available in all areas. To search which medical plans are available in your zip code (home address), visit the CalPERS website: Health Plan Search by ZIP Code (Member Category – Public Agency/Schools). If you wish to select a medical plan outside of your eligibility zip code, you may use VTA’s zip code (95134) to enroll in a qualifying plan.

• HMO - A Health Maintenance Organization (HMO) plan provides health care from specific doctors and hospitals under contract with the plan. You pay co-payments for some services, but you have no deductible, no claim forms, and a geographically restricted service area.

• PPO - A Preferred Provider Organization (PPO) is similar to a traditional "fee-for-service" plan, but you must use doctors in the PPO provider network or pay higher co-insurance (percentage of charges). You must usually meet an annual deductible before some benefits apply. You're responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount.