Open Enrollment
Open Enrollment is your chance to change plans, enroll for coverage, re-elect flexible spending account (FSA), and add or drop dependents from coverage. Select your 2026 benefits between October 24 through November 7 on BenefitBridge (Chrome is the recommended browser).
The choices you make during Open Enrollment are effective January 1, 2026 and can not be changed unless you have a qualifying life event.
For comprehensive information and a breakdown of benefits, plans, and costs, please read below.
Complete your 2026 Benefit Choices
For questions about insurance, please contact Sue Harris or Marilyn Munoz. Questions sent by email will be answered promptly.
- BenefitBridge Assistance
- 2026 Employee Rates
- Commuter Benefit Plan
- Dental
- Flexible Spending Accounts
- Life Insurance
- Medical Benefits
- Opt-out Medical and/or Dental
- Vision
- Voluntary Products
- Dependents
BenefitBridge Assistance
For assistance with login and registration to BenefitBridge please review BenefitBridge Registration Instructions.
For technical assistance with BenefitBridge contact:
Benefit Bridge Customer Care
1-800-814-1862
Monday - Friday, 8:00 a.m. - 5:00 p.m. PST
or email benefitbridge@keenan.com
2026 Employee Rates
Premium Cost Tables
Active Employee PLAN | District Monthly Contribution (12 per year) | Employee Monthly Contribution (12 year) | Total Monthly Premium Rate for 2026 |
Kaiser |
|
|
|
Employee | $1,128.25 | $0 | $1,128.25 |
Employee + 1 | $2,030.50 | $226.00 | $2,256.50 |
Employee + Family | $2,872.94 | $320.00 | $3,192.94 |
Sutter Health Plus |
|
|
|
Employee | $1,448.90 | $0 | $1,448.90 |
Employee + 1 | $2,607.90 | $290.00 | $2,897.90 |
Employee + Family | $3,690.70 | $410.00 | $4,100.70 |
Delta Dental |
|
|
|
PPO Plan | $114.64 | $0 | $114.64 |
Premier Plan | $137.14 | $0 | $137.14 |
VSP |
|
|
|
Vision Plan | $17.56 | $0 | $17.56 |
METLIFE Life Ins |
|
|
|
Life Insurance up to age 64 ($100,000) | $13.00 | $0 | $13.00 |
Life Insurance age 65 to 69 ($65,000) | $8.45 | $0 | $8.45 |
Life Insurance age 70 and over ($50,000) | $6.50 | $0 | $6.50 |
Dependent Cost | $.34 | $0 | $.34 |
Prorated Table for Part-time Employees
The amount an employee will contribute towards benefits is determined by the percentage of time you are working. To calculate the percentage you are working, divide the number of hours you work each day by 8. Or, divide the number of hours you work each week by 40.
|
|
District Contribution |
Employee working 50% |
Employee working 60% |
Employee working 75% |
Employee working 80% |
Employee working 81% |
Employee working 88% |
Employee working 94% |
Employee working 100% |
|
|
Monthly Employee Contribution |
||||||||
|
Kaiser |
|||||||||
|
Employee only |
1,128.25 |
564.13 |
451.30 |
282.06 |
225.65 |
214.37 |
135.39 |
67.70 |
- |
|
Employee + one |
2,030.50 |
1,241.25 |
1,038.20 |
733.63 |
632.10 |
611.80 |
469.66 |
347.83 |
226.00 |
|
Employee + family |
2,872.94 |
1,756.47 |
1,469.18 |
1,038.24 |
894.59 |
865.86 |
664.75 |
492.38 |
320.00 |
|
Sutter Health Plus |
|||||||||
|
Employee only |
1,448.90 |
724.45 |
579.56 |
362.23 |
289.78 |
275.29 |
173.87 |
86.93 |
- |
|
Employee + one |
2,607.90 |
1,593.95 |
1,333.16 |
941.98 |
811.58 |
785.50 |
602.95 |
446.47 |
290.00 |
|
Employee + family |
3,690.70 |
2,255.35 |
1,886.28 |
1,332.68 |
1,148.14 |
1,111.23 |
852.88 |
631.44 |
410.00 |
|
Dental |
|||||||||
|
Delta PPO-composite rate |
114.64 |
57.32 |
45.86 |
28.66 |
22.93 |
21.78 |
13.76 |
6.88 |
- |
|
Delta Premier-composite rate* |
137.14 |
68.57 |
54.86 |
34.29 |
27.43 |
26.06 |
16.46 |
8.23 |
- |
|
Vision |
|||||||||
|
Vision Service Plan-composite rate |
17.56 |
8.78 |
7.02 |
4.39 |
3.51 |
3.34 |
2.11 |
1.05 |
- |
|
MetLife Group Life Insurance |
|||||||||
|
Insurance to age 64 |
13.00 |
6.50 |
5.20 |
3.25 |
2.60 |
2.47 |
1.56 |
0.78 |
- |
Commuter Benefit Plan
PAUSD has set up our commuter benefit plan to be available to all employees working 20 hours or more per week (50% FTE).
We work with Navia Benefits Solutions to set up pre-tax payroll deductions for work related transportation costs. The program allows employees to pay for their transit and/or parking expenses with pre-tax dollars through a Section 132 Commuter Benefit plan. This plan is much like our Section 125 Flexible Spending Account plan, with two important differences. In the Section 132 plan, the employee can self-determine how much money to set aside for their commuting costs each month and any unused money in the account can roll over from month to month and from year to year.
This is important. If you decide to set up a Commuter Benefit account through Navia Benefit Solutions, the 10th day of each month is the deadline for determining the amount you wish to move to the Section 132 plan. If you miss the deadline, we will not have time to process your payroll deduction with the Santa Clara County Office of Education before the payroll closes for that month.
If you use public transportation, this is a program that will save you money. Remember, enroll and specify a dollar amount by the 10th of the month in order to have the funds available to purchase bus and rail passes on the 1st of the following month.
Dental
Delta Dental PPO Plan (Group #0689-0008)
If you are enrolled in the Delta Dental PPO plan and wish to continue, no action is required on your part. If you wish to enroll in Delta Dental PPO or change your dependents, your selection is processed through enrollment in BenefitBridge.
Delta Dental Premier Plan (Group #0689-0005)
If you are enrolled in the Delta Dental Premier plan and wish to continue, no action is required on your part. If you wish to change your dependent enrollments, your selection is processed through enrollment in BenefitBridge.
Additional Information:
Flexible Spending Accounts
Navia Benefit Solutions (FSA)
To enroll or continue participation in a flexible spending account, use the link to BenefitBridge to process your enrollment.
Life Insurance
MetLife Group Term Life Insurance
As a District employee who is benefit-eligible, you may receive life insurance in the amount of $100,000. Employees, age 65 and older, are eligible for $65,000. At age 70, your benefit is $50,000. You also receive an equal amount of Accidental Death and Dismemberment (AD&D) coverage.
Medical Benefits
Medicare D
If you or your spouse are age 65 or nearing age 65, click the following link for information regarding Medicare D and creditable coverage: Medicare D Info
Kaiser Permanente (Group Number 0235-0000)
If you are a current Kaiser member and you wish to continue with Kaiser, no action is required on your part. If you wish to change your coverage to Kaiser, your selection is processed through enrollment in BenefitBridge.
Sutter Health Plus (Group Number 189704)
If you are a current Sutter Health Plus member and you wish to continue with Sutter Health Plus, no action is required on your part. If you wish to change your coverage to Sutter Health Plus, your selection is processed through enrollment in BenefitBridge.
Sutter Health Plan Changes for 2026
Effective: January 1, 2026
| 2025 | 2026 | |
|---|---|---|
| Carrier Name | Sutter Health Plus | Sutter Health Plan |
|
Plan Name |
HMO Summit ML81 |
HMO Summit LG18 |
| General Plan Information | ||
|
Annual Deductible (Individual / Family) |
$0 / $0 |
$0 / $0 |
| Physician Services | ||
|
Office Visit/Telehealth (Primary Care Physician) Office Visit/Telehealth (Specialist) Urgent Care Advanced Imaging (CT, MRI, etc.) |
$20 copay $20 copay $20 copay No charge |
$20 copay
$40 copay $50 copay |
| Hospital Services | ||
|
Inpatient Hospitalization Outpatient Surgery |
$250 copay/admit $100 copay/admit |
$250 copay/admit |
| Emergency Services | ||
|
Emergency Room Copay (Waived if Admitted) |
$100 copay |
$200 copay |
| Mental Health & Substance Abuse | ||
|
Inpatient Care Outpatient Care |
$250 copay/admit $20 copay |
$250 copay/admit $20 copay |
| Prescription Drug Benefits | ||
|
Rx Deductible (Individual/Family) Retail Mail Order |
$0 / $0
|
$0 / $0
|
| Outpatient Rehabilitative Therapy | ||
|
Physical & Occupational Chiropractic Acupuncture |
$20 copay $20 copay (30 visits/year, Chiropractic & Acupuncture combined) |
$20 copay $20 copay (30 visits/year, Chiropractic & Acupuncture combined) |
Opt-out Medical and/or Dental
Opt-Out Stipend
If you are a full-time, benefits-eligible employee, you may opt out of the District's medical and/or dental insurance plans, provided the employee can provide proof of comparable medical/dental coverage through a non-District spouse or legal partner. As an incentive to take advantage of the opportunity to opt out of the District's plans, eligible employees may receive $2,500 for a full year of medical non-coverage and/or $300 for a full year of dental non-coverage (partial year non-enrollment will be prorated). You must make this selection through BenefitBridge. Current Opt-Out Stipends are NOT automatically renewed, proof of comparable coverage for yourself, and your non-District spouse, and dependents is required annually (IRS Requirement). The election of the Cash-in-Lieu option through BenefitBridge and submission of proof of coverage must be received by the Benefits Office no later than November 7th, 2025.
Vision
Vision
If you are enrolled in the Vision Service Plan (VSP) and wish to continue, no action is required on your part. If you wish to enroll or change your dependent enrollments, your selection is processed through enrollment in BenefitBridge.
Voluntary Products
Identity Theft Protector
ID Theft Protector "offers real peace of mind and comprehensive, real-time identity theft recovery service for you and your family." The annual cost for this plan is $120.00. Payroll deductions will be set up to match your pay cycle (10, 11 or 12 per year). To enroll use the link to BenefitBridge.
MetLife Voluntary Products
Dependents
Your dependents may be eligible for medical, dental, vision, and dependent life insurance coverage. There is an employee contribution toward the cost of dependent coverage. Your eligible dependents are:
- Your spouse (county-issued marriage certificate required)
- Your children up to their 26th birthday (county-issued birth, adoption, or legal guardian certificate required)
- Your declared domestic partner as defined by the State of California (domestic partner affidavit required)