Instructions to Enroll
Health, Dental and HCRA/DCRA plan enrollments and changes are made through My Cal Poly Portal. Click here for Step-by-Step Instructions. Enrollment in Voluntary Plans are made directly with plan vendors.
2023 Notable Plan Changes:
- Health plan rates for many plans are changing
- Preferred Provider Organization (PPO) Basic members and their dependents will be assigned a Primary Care Physician (PCP) - Members are free to choose a different PCP, and it does not change your ability to see a specialist at any time without a referral.
- Vision benefits now include VSP LightCare™, which allows you to use your frame and lens benefit to get non-prescription eyewear from your VSP® network doctor.
CalPERS Health Plans
Health Plan Rates
| HMO | PPO | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| # of Enrollees | Plan Year | Anthem Traditional | Blue Shield Access+ | Blue Shield Trio | United HealthCare Value Alliance | PERS Gold | PERS Platinum | PORAC* | |
| 2022 vs 2023 Employee Monthly Contribution | CSU Pays | ||||||||
| 1 Person | 2023 2022 | $233.65 $382.07 | $0.00 $84.22 | $0.00 $0.00 | $0.00 $2.03 | $0.00 $0.00 | $200.89 $130.78 | $0.00 $0.00 | $883.00 $816.00 |
| 2 People | 2023 2022 | $534.30 $848.14 | $0.00 $252.44 | $0.00 $0.00 | $0.00 $88.06 | $0.00 $0.00 | $468.78 $345.56 | $0.00 $0.00 | $1,699.00 $1,548.00 |
| 3+ People | 2023 2022 | $779.29 $1,131.98 | $66.79 $357.57 | $0.00 $0.00 | $64.47 $143.88 | $0.00 $0.00 | $694.11 $478.63 | $0.00 $0.00 | $2,124.00 $1,983.00 |
For Unit 6 employees, subtract $5 for a 1 party plan, $10 for a 2 party plan, and $20 for a 3+ party plan
2023 Health Plan Information
2023 Health Plan Coverage Comparison ChartDental Plans
Cal Poly continues to offer an HMO and PPO through Delta Dental. Premiums for dental plans continue to be fully paid by Cal Poly for employees and covered dependents.
For plan details, please visit the Delta Dental website and plan Evidence of Coverage booklets.
- HMO Evidence of Coverage
- PPO Evidence of Coverage
- Delta Dental recorded webinar
- 2023 Plan Comparison Charts
| Dental Plan | Plan Level* | Employee Only | Employee + One | Employee + Two + |
|---|---|---|---|---|
| Delta Dental PPO | Basic | $30.45 | $57.52 | $115.49 |
| Enhanced I | $37.04 | $70.08 | $144.49 | |
| Enhanced II | $45.85 | $86.52 | $169.03 | |
| Delta Dental HMO | Basic | $18.85 | $31.08 | $45.97 |
| Enhanced | $25.04 | $41.33 | $61.12 |
Vision Plans
Premiums for the VSP Basic Plan will continue to be fully paid by Cal Poly for employees and their dependents. If an employee enrolls in the VSP Premier plan, all benefits eligible dependents must also be enrolled or they will be removed from the basic plan.
Employees may purchase Vision Service Plan (VSP) Premier coverage as an enhancement to the basic coverage. See VSP Member Plan Summary to compare: VSP Member Plan Summary
Employees may enroll in or cancel their VSP Premium Plan by calling (800) 400-4569 or online at http://csuactives.vspforme.com only during Open Enrollment.
| Employer Paid Basic VSP Rate for Employee + Family | |
|---|---|
| Basic Coverage | $0.00/month (employer contribution $7.47/month) |
| Voluntary Employee Paid Premier VSP Rate | |
| Employee Only | $4.03/month |
| Employee + One | $15.01/month |
| Employee + Family | $28.41/Month |
Flexible Spending Accounts: Health Care Reimbursement Account (HCRA) & Dependent Care Reimbursement Account (DCRA)
Important reminder: HCRA and DCRA deductions do not automatically continue into the next plan year. If you want deductions to continue for 2023, you must submit your elections via My Cal Poly Portal during the Open Enrollment period.
HCRA is a voluntary benefit plan offering eligible employees the ability to pay for qualifying out-of-pocket health care expenses with pre-tax dollars. Employees may elect a monthly deduction amount of as little as $20 per month up to a maximum $237.50. per month. For more information, please review the HCRA brochure.
DCRA is a voluntary benefit plan offering eligible employees the ability to pay for qualifying out-of-pocket dependent care expense with pre-tax dollars. Employees may elect a monthly deduction amount of as little as $20 per month up to a maximum of $416.66 per month. For more information, please review the DCRA brochure.
Other Voluntary Benefit Plans
Nationwide Pet Insurance - Enroll Anytime
Pet health insurance gives you the freedom to use any vet, anywhere, including specialist and emergency providers. Nationwide is offering two benefit option for your pets. This insurance can cover your pet's accidents, illness and even preventative care and wellness services. Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles).
For more information or to enroll, please call 1-877-738-7874 or visit www.petinsurance.com/calstate.
Click here to watch Nationwide Pet Insurance recorded webinar
MetLife Legal Plan - Enroll or Cancel only during Open Enrollment
For $21.70 per month, the MetLaw Legal plan offered by Hyatt Legal Plans, Inc., provides representation for many personal legal services for employees and their eligible dependents.
Open enrollment is your annual opportunity to enroll or discontinue enrollment in the MetLaw Legal plan. Current employees that do not enroll in the plan during open enrollment will not have another opportunity to enroll in the plan until next year's open enrollment period.
For more information or to enroll/cancel, please call 1-800-438-6388 or visit www.metlife.com/csu. Organization Code: Cal Poly, San Luis Obispo
The Standard
Voluntary Life Insurance or Long Term Disability Insurance - Apply anytime
The Standard offers Group Life Insurance as well as Accidental Death and Dismemberment (AD&D) coverage for you and your eligible dependents.
Voluntary Long Term Disability (LTD) administered by The Standard provides loss of income protection (up to 60%) due to a qualified disability. Eligible employees (those not covered by The Standard LTD employer paid plan) can apply at any time during employment.
Group Critical Illness - Enroll or Cancel only during Open Enrollment
Group Critical Illness Insurance provides a lump-sum payment to cover out-of-pocket medical expenses and costs associated with life changes following the diagnosis of a covered critical illness. In addition, there are cash benefits for specified health screenings. You and/or your spouse/registered domestic partner must be between the ages of 18-64 and enrolled in a health insurance plan to participate in this plan.
Accident Insurance - Enroll or Cancel only during Open Enrollment
Accidents can happen when least expected, and while they can’t always be prevented, you can have the financial support to make your recovery less expensive and stressful. Accident Insurance can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more.
Critical Illness & Accident Video Presentation
For more information or to apply, please call 1-800-378-5745 or visit www.standard.com/mybenefits/csu.
California Casualty - Enroll anytime
The Auto, Home and Renter's Insurance plan offered by California Casualty allows CSU eligible employees to obtain auto and home insurance policies at a discounted rate. All policies are written for a 12-month period. Eligible employees can enroll in this benefit at any time during employment.
See plan flyer California Casulaty OE Flyer and for more information or to enroll, please call 1-866-680-5142 or visit www.calcas.com/csu.
Click here to wactch the California Casualty recorded webinar
Supplemental Retirement Plans - Enroll anytime
Employees are eligible to enroll in the CSU 403(b) plan or 401(k), 457 plans at any time during the year. All plans have a pre-tax and Roth (after-tax) option. Please visit our Supplemental Retirement Plan page for more information and plan details.
Scholar Share - Enroll anytime
A 529 plan is an account that allows you to invest specifically for future education expenses. 529 plans are aimed at helping families save for college. The accounts are administered at the state level, and are managed by a financial services company, TIAA-CREG Tuition Financing Inc. You can open an account with as little as $25 dollars per investment portfolio, or $15 dollars per pay period through payroll deduction.
For more information or to enroll, please call 1-800-544-5248 or visit https://www.scholarshare.com/.
Retiree Open Enrollment Information
Every year the CSU reviews the benefit plans offered to retirees and their eligible dependents. Learn more about retiree plans and the open enrollment period at CSU Retirees Page
Upcoming Open Enrollment Events
No events planned for the next two weeks.