HEALTH INSURANCE & PENSION
INSURANCE COVERAGE
Insurance coverage is an important part of your benefits package. Insufficient coverage or poorly designed plans can significantly reduce your total benefits package. You’ll be happy to know that the City of San Antonio provides excellent insurance coverage for Medical, Dental/Vision and Life.
Officers have 2 excellent plans to choose from based off each officer’s personal need and preferences. The first is the Police Value Plan (PVP) that has a low monthly officer contribution and low co-pays. The second is the Police Consumer Driven Health Plan (CDHP), that has a $0 officer contribution with higher co-pays. With the CDHP the city provides a Health Savings Account(HAS) Contribution of $1,500 a year that the officer can use toward heath care related expenses.
Prescription benefits are provided for the officer and his family through the officer’s choice of insurance plan. Many at no or low co-pays for the member.
| Monthly Contributions | PVP | CDHP |
|---|---|---|
| Employee Only | $0.00 | $0.00 |
| EE & Spouse | $75.00 | $0.00 |
| EE & Children | $50.00 | $0.00 |
| EE & Family | 125.00 | $0.00 |
| CO-INSURANCE | In Network | Out of Network |
|---|---|---|
| PVP | 20% after deductible | 40% after deductible |
| CDHP | 0% after deductible met | 0% after deductible met |
| Individual Deductibles | In Network | Out of Network |
|---|---|---|
| PVP – Individual/Family | $500/$1000 | $1500/$3000 |
| CDHP – Individual/Family | $3000/$6000 | $4500/$9000 |
| Individual Out of Pocket Maximum | In Network | Out of Network |
|---|---|---|
| PVP – Individual/Family | $1500/$3000 | $3000/$6000 |
| CDHP – Individual/Family | $3000/$6000 | $4500/$9000 |
*Dental and vision benefits are provided to police officers and their families at no cost to the officer.
*All officers are covered with a life insurance policy equivalent to one year’s salary at no cost to the officer.
SAPD PENSION
The Fire and Police Pension Fund of San Antonio is a defined benefit public pension fund that guarantees retirement security for approximately 6,000 police officers, firefighters and their families — even during periods of economic volatility. At a time when many Americans are concerned about running out of money in retirement, members of the SA Fund remain confident about their futures because, unlike some pension funds across the country, the SA Fund is well-managed and fiscally sound by all industry standards due to its high funding ratio, high mandatory member contribution rate and conservative investment strategies.
The SA Fund‘s defined benefit structure provides benefits based upon the member’s earning history and length of service to the City of San Antonio.
Keep in mind pension benefits are available regardless of age. A 21 year old can retire at 51 with 30 years of service and receive an 86 percent pension for the rest of his or her life. Visit safireandpolicepension for more info.
| YEARS OF SERVICE | Percentage of Total Average Salary |
|---|---|
| 20 | 45% |
| 23 | 60% |
| 25 | 70% |
| 27 | 80% |
| 30 | 86% |
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