Information about the Core Medical, Dental and Vision Plans offered to eligible employee and their dependents
Core Benefits Dental Plans Medical Plans Vision Care Plan
Health Benefits
ACA-Eligible Employees

Kaiser High Deductible Health Plan (HDHP) and Traditional Health Maintenance Organization (HMO). These plans are available to ACA eligible employees and their qualified dependents at the below semi-monthly cost:


The County of San Mateo will transition on January 1, 2023 to a new medical insurance carrier – Aetna. Aetna will replace ALL Blue Shield plans and will provide you with the same comprehensive coverage, the same overall benefits and co-payment schedule while also expanding coverage areas and giving many an option to save money each month!

Benefits Guides, and Rates For Active Employees

Employee Benefits Guides and Rates The Employee Benefits Guide is your single source document for the information you need to make informed decisions about your benefits for yourself and your family. The Employee Benefits Guide is intended to be a summary of some of the benefits offered to you and your family including: health insurance, dental insurance, vision insurance, life insurance, short-term disability insurance, and flexible spending accounts.

Cigna Dental HMO

If you enroll in the Cigna Dental HMO plan, you select a Cigna DHMO network dentist for dental services and you must visit your selected dentist for all of your dental care.

Cigna Dental PPO and Dental Buy-up

Cigna Dental PPO Under this plan, dental services are provided through the Cigna Dental PPO network.  However, you can choose any dentist in any location inside or outside of the Cigna network.  How much you pay for dental services depends on how long you have worked for the County, your represented group, and whether you choose a participating Cigna dentist. If you choose a non-participating dentist, you pay the difference between the amount the dentist receives from Cigna (the “allowable amount”) and the dentist’s charges.

Contact Your Benefit Provider

For questions regarding whether specific services are covered or claims, please contact your provider directly.   Carrier Benefit Type Contact Account Access Apps

Dental Plans

San Mateo County employees may choose from two dental plans with Cigna:

Flexible Spending Accounts (FSA)

Flexible spending accounts (FSA) allow you to set aside funds on a pre-tax basis to reimburse yourself for eligible out-of-pocket dependent care or medical expenses.

Health Savings Account (HSA)

HSAs offer triple tax benefits, including tax-free1 saving, growth, and spending on qualified medical expenses anytime, from today throughout your retirement — something you can’t get from other retirement accounts.