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Insurance

CAPISTRANO UNIFIED SCHOOL DISTRICT

An unwavering commitment to student success

Medical Plans

Summary of Benefits

Summary of Benefits

United HealthCare

Kaiser Permanente

2025 Summary of Benefits

Cigna

2025 Cigna Summary of Benefits

Family

 

CUSD OFFERS 9 MEDICAL PLANS:

 

Need virtual access to your carrier ID cards? Click HERE!

 

United Healthcare and UMR Logos

 
UHC/ UMR Plan Names:
  • UHC Harmony $10 HMO
  • UHC CS VEBA Alliance HMO $10
  • UHC Harmony HMO Journey w/ HRA 
  • UHC CS VEBA Alliance HMO Journey w/ HRA 
  • UMR Select Plus PPO
 
Express Scripts (All UHC Plans):
 
Journey Harmony and Journey Alliance Health Reimbursement Account (HRA)
Chiropractic Services - Optum Health
 
Mental Health Service for UHC Plans
  • Get pre-authorization from Optum Behavioral Health
  • Call Optum Customer Service for pre-authorization and for emergencies, 24/7, at (888) 625-4809 
  • Costs:
 
Fitness
 
Substance Abuse Services
  • No need for pre-authorization for inpatient or outpatient services
  • Coverage through Optum
  • Contact UMR for cost information: (800) 826-9781
  • In-network vs. out-of-network costs are different
  • Find an in-network UMR provider
  • UMR Mobile App
 
Carrum Health (Surgery Benefit)
  • Customer Service: (888) 855-7806
  • 2019 Carrum Health Letter
  • ***Important Note: The member will be required to call Carrum Health prior to scheduling their surgery. 
    • If the member contacts Carrum and uses a Carrum recommended facility for their surgery they will have the procedure coinsurance or deductible waived.
    • If the member contacts Carrum but chooses not to use a Carrum recommended facility- they may use a facility of their choice and pay the standard plan coinsurance and deductible.
    • If the member does not contact Carrum Health prior to scheduling their surgery they will be required to pay a $1,000 pre-certification penalty in addition to their plan deductible and coinsurance.
    • For questions please contact VEBA Advocacy or Carrum Health directly.
Kaiser Permanente Logo
 
 
Kaiser Plan Names:
  • Kaiser HMO $15
  • Kaiser HMO $25
 
Chiropractic Services - Optum Health
 
Fitness
 
Mental Health Services
  • To schedule a mental health appointment, call: Orange County: (714) 644-6480
    • Members do not need a referral.   
  • Behavioral Health Line & Mental Health Crisis Line: (800) 900-3277
    • Available 24/7
    • Resolution specialists to help members resolve concerns about mental health care appointments: (800) 390-3503
 

Cigna Logo

Plan Name: Cigna Select HMO - Southern California
 
Fitness
 
Chiropractic Services
 
Mental Health Services for Cigna Select HMO

 

Overage Dependent and Parent
 
Out of Area Dependents 
 
Disabled Adult Dependents
  • The following application processes are processed by the insurance carriers on a first come, first serve basis. This means it can take anywhere between a few weeks to months for them to approve or deny. Please be mindful of when you submit your applications to the insurance carriers due to these delays. 
  • UHC Members: Please have the treating physician complete the below form and return it directly to UHC per the instructions on the application. UHC will notify the member of approval or denial.
    • UHC Disabled Adult Dependent Application
      • Once the member receives approval, they can submit a copy to our insurance department so we can provide the approval to VEBA (the trust that administers our insurance). 
  • Kaiser Members: Contact Kaiser directly at (800) 731-4661 or (858) 614-3584.
    • Once the member receives approval, they can submit a copy to our insurance department so we can provide the approval to VEBA (the trust that administers our insurance). 
  • Cigna Select HMO: Contact Cigna directly at (800) 244-6224.
  • Delta Dental and VSP Members: Delta Dental and VSP rely on the status approval granted by the medical carriers.