Grocers Insurance Fund (GIF)
CIGA's Grocers Insurance Fund (GIF) is a Trust created to offer members-only of CIGA, insurance products at competitive rates. Members seeking dental, vision or life insurnace coverages for their employees may fill out and submit GIF's Participation Agreement and provide the required documents to Grocers Insurnace Fund. Upon completion of required paperwork GIF will provide enrollment forms to the Member Employer for their Employees to fill out. Once an Employer's employees completes the enrollment forms the Employer-Only (not the employees as GIF does not represent employees - GIF is an Employer Plan-Only) will need to send the forms to GIF. Coverage begins the first day of the month following enrollment (unless otherwise designated by an Insured Employer's Employee Manual).
GIF's Delta Dental PPO or HMO services are billed monthly to GIF Participating Insured Employers by Allied Administrators - CIGA membership is required and must be maintained to remain an active insured Participating Employer location. CIGA Members participating with Vision Service Plan (VSP) are billed directly by VSP on behalf of CIGA's Grocers Insurance Fund.
NOTE: Allied Administrators - P.O. Box 45061 - San Francisco, CA 94145-0061 Telephone Contact is Paul Wensloff (415) 989-7443 fax (415) 989-7443 (Ext 241)
PREMIUM PAYMENTS ARE DUE BY THE 5TH DAY OF EACH MONTH FOR THAT MONTH. Termination of coverage will begin if a Participating Employer does not remit premium by 5th of each month. Grocers Insurance Fund (GIF) cannot fund the coverage for Employer Participants.
DELTA DENTAL (PPO or HMO)
CIGA's Grocers Insurance Fund offers a premier PPO dental plan with Delta Dental exclusively for CIGA Members (grocers and suppliers) throughout California. Delta Dental is the largest dental provider in the nation with more than 17,000 participating dentists in California alone.
You may use any dentist you wish but it is to your advantage to select a dentist who is a Delta Preferred Provider Option (PPO)
CIGA's Grocers Insurance Fund Delta Dental PPO allows you to:
- Change dentists at any time without pre-approval
- Go to a Delta specialists of your choice without pre-approval
- Have each member of your family go to a different dentist
- Receive dental care world wide
- A Lifetime Maximum Deductible of $75/per person AND the deductible is exempt for Diagnostic and Preventive Care Benefits
- 100% of fee is paid for Diagnostic and Preventive Benefits (See evidence of coverage booklet)
- Basic Benefits* are paid at 90% of the participating PPO dentists fee
- Crowns, Jackets and Cast Restoration Benefits are paid at 60% of a participating PPO dentist fee
CIGA's Grocers Insurance Fund Delta Dental PPO Rates:
- Employee Only........................................$42.84
- Employee + 1 Dependent........................$53.50
- Employee + 2 or more Dependents........$73.19
CIGA's Grocers Insurance Fund also offers an HMO Plan - DeltaCare (Delta Dental)
GIF also offers its members-only Participating Employers a second, more affordable choice of dental plan, called DeltaCare by PMI for your employees. DeltaCare is Delta Dental of California's HMO plan and is offered by Delta HMO affiliate, PMI Dental Health Plan.
DeltaCare advantages include: No deductibles; low or no co-payments for covered services; no claim forms; nearly 300 covered procedures; Orthodontic coverage for children and adults; and much more. Under this dental HMO plan, enrollees must:
- Choose a dentist from the DeltaCare network at the time of enrollment
- Use the selected dentist for all your dental needs, including referrals to specialists
CIGA's Grocers Insurance Fund DeltaCare HMO Plan Rates:
- Employee..............................................$17.13
- Employee + 1 Dependent......................$27.29
- Employee + 2 or more Dependents.......$39.63
Vision Service Plan (VSP)
NOTE: Participating CIGA "Members-Only" Employers (for you and your Employees)
No ID Cards - No Claim forms
- Find a VSO doctor online or call 800 number
- Make an appointment and tell the doctor oyouare a VSP member
- Your doctor and VSP will handle the rest
Coverage
- Eye Exam every 12 months
- Single vision, lined bifocal and lined trifocal lenses every 12 months
- Frames up to $120 plus 20% off out of pocket every 24 months
- Contacts with $105 allowance for fitting and evaluation exam every 12 months
- $15 Copay per person
- Out of network reimbursement