Press Release
The PCAR Benefit Plans Have Multiple Plan Offerings and Are All Guaranteed Issue
If you would like the flexibility of multiple plan offerings with extremely competitive rates, look no further than the ‘Guaranteed Issue’ medical plans offered through PCAR; ‘Guaranteed Issue’ means that no one can be denied insurance because there is no medical underwriting. At open enrollment each November for a December 1 effective date, one has the ease of making a plan or carrier change because of the flexibility of choices - Anthem Blue Cross, Kaiser and Western Health Advantage, HMO, PPO and HSA plans. If you are currently a member of PCAR, new or existing, and have not taken advantage of the opportunity to enroll in one of these plans, now is the time to do it.
The Association offers two Delta Dental plans, allowing members a choice. The low option plan keeps a member’s out-of-pocket costs to a minimum with co-pays for some procedures. The high option plan allows the member to go to any dentist whether in or out- of-network.
Medical Eye Services administers the vision plan offered by the Association. For very little premium, you can get frames, lenses, contacts and vision exams covered with a small co-pay.
This year, we have added Life Insurance, Disability Insurance, Accident Insurance and Critical Illness Insurance. We have also added a low cost Limited Medical plan as well as Gap Insurance to help offset those high deductibles through your medical carrier. Once again, these are all ‘Guaranteed Issue’ without underwriting approval.
Our billing administrator, American River Benefit Administrators, continues to accept automatic withdrawals directly from your checking account. The Ames-Grenz staff will be available to answer any of your questions concerning open enrollment month. Please contact us at 916-486-2900 or email our Association representative, Sally Bishop, at .