City & County of San Francisco Open Enrollment Guide

Welcome City & County of San Francisco, MEA, and Superior Court of San Francisco employees to your Open Enrollment elections guide. The San Francisco Health Service System administers your Medical, Vision, Dental, Flexible Spending Accounts (FSA), and Voluntary Benefits.

Open Enrollment begins on October 1 and ends on October 24, 2025 at 5 p.m. PST.

Life and Disability Insurance

NEW! New York Life

The San Francisco Health Service System selected New York Life to be the City's vendor for Life, AD&D, and Disability Insurance, replacing The Hartford, effective January 1, 2026.New York Life will also be the administrator of the voluntary Short-term Disability program, replacing Manhattan Life, effective January 1, 2026. ƒ

• Enhancement for 2026: Increased Guaranteed Issue amount for Voluntary Supplemental Life Insurance – Employee-Paid, from $100,000 to $200,000. ƒ
   
• Voluntary Accidental Death and Dismemberment (AD&D) Insurance – Employee-Paid, coverage up to $500,000 with no need for Evidence of Insurability (EOI).
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• Estate Guidance and Will Preparation are included no-cost value-added services for current Active Employees who are either eligible for employer-paid Basic Life Insurance, Long-Term Disability Insurance, and/or have elected to enroll in Voluntary Supplemental Life Insurance – Employee-Paid, or Voluntary AD&D Insurance – Employee-Paid through New York Life

Special Guaranteed Issue Period

A Special Guaranteed Issue Period will be open, beginning October 1st and ending on October 24th. Eligible employees may obtain up to $200,000 in guaranteed issue Supplemental Life Insurance, without the need to provide Evidence of Insurability (EOI).

You may also utilize this Special Guaranteed Issue period to elect up to $50,000 of guaranteed issue life insurance for your spouse/domestic partner, without the need to provide Evidence of Insurability (EOI).

This Special Guaranteed Issue period is extended to eligible City Employees who may have previously been denied Supplemental Life Insurance, those who currently have Supplemental Life Insurance with lower guaranteed issue amounts, and to those who have not previously elected Supplemental Life Insurance in the past. This is also the time to choose Supplemental Life Insurance for your dependents. 

Surrogacy and Adoption

SFHSS offers a one-time reimbursement of up to $15,000 for eligible employees or retirees to cover qualified expenses from adoption or surrogacy. For more information and eligibility requirements, visit https://sfhss.org/adoption-and-surrogacy-assistance-plan

Your 2026 San Francisco Health Service System (SFHSS) benefits are here!

Each year, Open Enrollment provides you with the opportunity to review your benefits and make any updates that best support your health and well-being. For Plan Year 2026, the Open Enrollment period will be held from October 1 to October 24, 2025.

During this period, you may:

• Review your current medical, dental, vision, and other benefit elections.
• Compare plan options and make changes to your coverage.
• Update your beneficiaries.
• Enroll in or waive coverage.

I encourage you to take advantage of this important opportunity to ensure that your benefits align with your needs and those of your family.

In good health,


Rey Guillen
SFHSS Executive Director

SFHSS members can complete their Open Enrollment elections online through SF My Hub. Review your Open Enrollment Letter to see your current medical, vision, and dental elections, then click on the icon below to access SF My Hub.
 

Do you have changes you want to make in your benefits elections or dependent(s)?

If YES, go to Steps 2 through 9 on how to make changes.

If NO, and you have no changes to your benefit elections, then you have no further actions to take and skip to Step 9 below.

Review the dependent(s) listed in your enclosed Open Enrollment letter and dependent eligibility rules here.

Complete the Add Individual Dependent/Beneficiary Information in SF My Hub to add dependents or modify existing dependents.

Save and continue through all the screens and confirm at the end to submit your changes.

Submit copies of supporting documents. New dependents must have supporting documentation submitted with their elections in order to be enrolled (e.g. birth certificate, certified marriage certificate).

If you need more detailed instructions, go to page 9 of this document: How to Enroll Manual: New Hire/Rehire for SF City & County and Court Employees

Start by reviewing the Service Areas of the medical plans available to you here. There are five (5) medical plans to choose from, including four (4) HMO plans and one (1) PPO plan. Review your options below. You can compare in-network providers by HMO plans here, and a summary of benefits for all medical plans here. The Benefits Plan Comparison tool is also available on SF My Hub and if you need detailed information on how to use it, you can click here. Review your rates for Plan Year 2026.

Select your plan and follow the instructions in SF My Hub. 

Review the Vision benefits options and rates on here. You must be enrolled in a medical plan to receive basic vision benefits.

Enrollment in the VSP Premier Plan requires that all dependents enrolled in medical coverage be enrolled in the VSP Premier Plan.

Select your plan and follow the instructions in SF My Hub. 

Review your Dental benefit options below and costs. Then select your plan and follow the instructions in SF My Hub. 

FSA accounts require annual re-enrollment.

If you would like to make Flexible Spending Account (FSA) contributions for plan year 2026, you must enroll during Open Enrollment. On a pre-tax basis for your Healthcare FSA Account, you may set aside up to $3,300. For the Dependent Care Flexible Spending Account, you may set aside between $250 and $7,500, on a pre-tax basis, if your annual salary is equal to or below $160,000. If your salary exceeds $160,000, the IRS considers you a highly compensated employee, and you may set aside between $250 and $3,000. SFHSS may adjust your election amount if you do not qualify for the higher election.

Would you like to set aside pre-tax dollars in FSA account(s) to pay for Healthcare and/or Dependent Care expenses?

If YES, determine how much you would like to set aside. Complete the Health Care FSA button on SF My Hub. If you need more detailed guidance, click here.

If NO, proceed to the next Step if you would like to make changes to other benefits.

Learn more about FSAs below.

If you would like to enroll in voluntary benefits, schedule an appointment with Workterra to learn more.

Starting October 1st: To enroll in voluntary benefits, access the Workterra application at https://myapps.sfgov.org and click on the Workterra tile where you can self-enroll, dis-enroll, or confirm any existing elections.

City and County of San Francisco and Superior Court of San Francisco members can schedule a personalized enrollment session with Workterra by visiting workterravboe.com or calling Workterra at (866) 528-5360. 

Complete your elections on SF My Hub. 

Make sure to select Save and Continue on each screen, and click Submit at the end to finalize your enrollment. Otherwise, your elections will not be recorded. 

If you are unable to enroll online, download an Open Enrollment Application form and return your form and documentation by fax or mail to SFHSS. Our mailing address is 1145 Market Street, 3rd Floor, San Francisco, CA 94103 or fax to (628) 652-4701. Our business hours during the Open Enrollment period are listed under Contact Us on this webpage.

After the Open Enrollment period ends, you’ll receive a Health Benefits Enrollment Confirmation Statement in the mail in December. Carefully review your letter to ensure your benefit elections are correct. Changes made during Open Enrollment will take effect on January 1, 2026.

Telephone or In-Person Office Support

We strongly encourage you to enroll online. If online enrollment is not an option, you may:

• Fax your Open Enrollment Application Form and supporting documents to (628) 652-4701
• Deliver them in person to our Drop Box, available from 9 a.m. to 4:30 p.m. at 1145 Market Street, 3rd Floor, San Francisco, CA 94103

Our SFHSS Benefits Analysts are available by phone or in-person to assist members.

SFHSS Member Services Contacts:
Telephone: (628) 652-4700
Fax: (628) 652-4701

SFHSS Member Services Office:
1145 Market Street, 3rd Floor
San Francisco, CA 94103.

Hours of Operations (Only During the Open Enrollment Period):

Drop Box Hours
Monday through Friday, 9 a.m. to 4:30 p.m. 

Walk-In Hours 
Monday, Tuesday, Wednesday and Friday, 9 a.m. to 4:30 p.m. Thursday is from 10 a.m. to 4:30 p.m. 

Telephone Hours 
Monday, Tuesday, Wednesday and Friday, 9 a.m. to 12 noon, and resumes from 1 p.m. to 4:30 p.m. Thursday is from 10 a.m. to 12 noon, and resumes from 1 p.m. to 4:30 p.m.