Open Enrollment is the time to review, enroll, or make changes:
- Health Care Reimbursement Account (HCRA) – Must re-enroll each year
- Dependent Care Reimbursement Account (DCRA) – Must re-enroll each year
- Enroll in voluntary plans – MetLaw, Vision Services Premier Plan
- Enroll/change/cancel your health and/or dental plan
- Add/remove eligible dependents from your plans
- Enroll in Flex Cash in lieu of health/dental coverage
Open Enrollment Guidebook for 2018
2018 Plan Highlights:
- New for 2018!
- Health plan premiums have changed – employee contributions down for many plans. 2017-2018 Health Plan Premium Comparison Chart
- Annual maximum contribution for HCRA has increased $50 to $2600/year ($216.66 max per month)
- (HCRA) ASIFlex Benny MasterCard users will be issued ASIFlex Visa Debit Card by January 2018.
Enroll or Make Changes:
Enroll or re-enroll in HCRA and/or DCRA for 2018, and enroll or make changes to your health and/or dental plans through My Cal Poly Portal. Please click here for Step-by-Step Instructions
To enroll or make changes to voluntary plans such as Aflac, California Casualty, MetLaw, The Standard, or Vision Services Premier Plan, please see information below.
Open enrollment is the only time to enroll or dis-enroll in MetLaw and the new Vision Services Premier Plan. You may enroll in other voluntary plans any time of the year.
Open Enrollment Health and Wellness Fair 2018
Monday October 1, 2018 from 10:00am – 1:00pm in Chumash Auditorium.
Please plan on attending to learn more about the valuable benefits available to Cal Poly employees and their families.
Visit with nearly 30 vendors including representatives from our health plans, voluntary benefit programs, investment groups, local wellness companies, campus representatives and your Benefits & Employee Services Team.
2018 Health Plan Premium Costs
Cal Poly pays the majority of the health plan premium costs for benefits eligible employees. Employee contributions are made on a pre-tax basis as permitted through the CSU Tax Advantage Premium Plan (TAPP). If you would like your employee contributions taxed, please contact Human Resources.
Quick Reference: 2018 Monthly Premium Rates for Health Plans and Summary of Covered Services
| HMO | PPO | |||||||
|---|---|---|---|---|---|---|---|---|
| Anthem Traditional | Blue Shield Access+ | United Healthcare | PERS Select | PERS Choice | PERS Care | PORAC* | ||
| 2018 Employee Monthly Contribution | **CSU Pays | |||||||
| 1 Party | $116.34 | $27.32 | $0.00 | $0.00 | $0.00 | $51.19 | $9.00 | $725.00 |
| 2 Party | $305.68 | $127.64 | $32.18 | $0.00 | $71.32 | $175.38 | $163.00 | $1,377.00 |
| 3+ Party | $421.48 | $190.03 | $65.93 | $0.00 | $116.82 | $252.09 | $204.00 | $1,766.00 |
**Bargaining unit 6, SETC (Trades), CSU pays slightly more: +$5.00 / +$10.00 / +$20.00 (deduct from employee contribution)
Health Plan Information - 2018
See Summary & Glossary for overview, or see Evidence of Coverage (EOC) for a complete explanation of plan benefits, limitations and exclusions. Use online search to find providers for each plan.
Anthem Blue Cross Traditional HMO
Blue Shield Access+ HMO
- Visit Website
- Summary & Glossary
- Evidence of Coverage (coming soon)
- Search for Providers
(When prompted select your Plan: CalPERS, and Sub Plan: CalPERS Access+ HMO)
UnitedHealthcare HMO (Signature Value Alliance)
- Visit Website
- Summary & Glossary
- Evidence of Coverage
- Search for Providers
(Select 'Find a Doctor…' link. Enter your zip code. Click on 'X' in upper right corner.)
PERS Care PPO
PERS Choice PPO
PERS Select PPO
PORAC PPO (Unit 8 only)
- Visit Website
- Summary & Glossary
- Evidence of Coverage (coming soon)
- Search for Providers
CalPERS
CalPERS Online Health Plan Statement
All health plan members can view, download, and/or print their CalPERS 2018 Health Plan Statement at https://my.calpers.ca.gov (log in as participant). This feature will provide employees with customized health information regarding health benefit changes that may impact them.
Vision Plan – new Premium Plan available!
Effective January 1, 2018, employees may purchase Vision Service Plan (VSP) Premium coverage as an enhancement to the basic coverage. The VSP Premier plan offers a higher level of benefits for lenses, contact and frames.
See VSP Member Plan Summary to compare: VSP Member Plan Summary
Employees may enroll in the VSP Premium Plan by calling (800) 400-4569 or online at http://csuactives.vspforme.com during Open Enrollment. (Employees will continue to be automatically enrolled in employer paid VSP Basic Plan.)
Premiums for the VSP Basic Plan will continue to be fully paid by Cal Poly for employees and their dependents. If employee enrolls in the VSP Premier plan, all benefits eligible dependents must also be enrolled.
| Employer Paid Basic VSP Rate for Employee + Family: | |
|---|---|
| Basic/VDT Coverage | $7.47/month |
| Employee Paid Premier VSP Rate (in addition to Employer Paid Basic Rate above): | |
| Employee Only | $4.33/month |
| Employee + One | $16.13/month |
| Employee + Family | $30.52/Month |
Dental Plans
Cal Poly continues to offer an HMO and PPO through Delta Dental. There have been no changes to currently covered procedures and co-pays. Premiums for dental plans continue to be fully paid by Cal Poly for employees and covered dependents.
For plan details, please visit the Dental, Vision, Hearing page on the Human Resources website.
| Dental Plan | Plan Level* | Employee Only | Employee + One | Employee + Two + |
|---|---|---|---|---|
| Delta Dental PPO | Basic | $29.86 | $56.40 | $113.25 |
| Enhanced I | $36.32 | $68.72 | $141.68 | |
| Enhanced II | $44.96 | $84.84 | $165.75 | |
| Delta Dental HMO | Basic | $18.85 | $31.08 | $45.97 |
| Enhanced | $25.04 | $41.33 | $61.12 |
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 2018, you must submit your elections via My Cal Poly Portal during the Open Enrollment period. Please click here for Step-by-Step Instructions
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 $216.66 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.
Voluntary Benefit Plans
Information regarding voluntary benefit plans and how to enroll can be found below and at CSYou Voluntary Insurance and Benefit Programs.
Please note that all of the voluntary benefit plans below, with the exception of the MetLaw Legal plan, allow employees to enroll or apply throughout the year.
MetLaw Legal
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, please call 1-800-438-6388 or visit www.metlife.com/mybenefits. (Enter your company name: California State University)
AFLAC
AFLAC offers critical illness insurance which provides payments for certain wellness exams, and a cash benefit if you're diagnosed or treated for a covered critical illness.
For more information or to apply, please call 1-800-433-3036 or visit www.aflac.com/csu.
Voluntary Life Insurance/Voluntary Long Term Disability Insurance
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. They offer two different plan options which include a 30 or 90 day waiting period. Eligible employees (those not covered by The Standard LTD employer paid plan) can apply at any time during employment.
Employees who chooses to enroll in Group Life or LTD after the first 60 days of hire or eligibility, must submit a completed medical questionnaire along with the enrollment form.
For more information or to apply, please call 1-800-378-5745 or visit www.standard.com/mybenefits/csu.
California Casualty
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. The plan also has an identity theft component known as ID Defense. All policies are written for a 12-month period. Eligible employees can enroll in this benefit at any time during employment.
For more information or to enroll, please call 1-866-680-5142 or visit www.calcas.com/csu.
Scholar Share
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/.
Tax Deferred Savings
Employees are eligible to enroll in a 401(k), 457 and/or a 403(b) plan at any time during the year. Please visit our Tax Deferred Savings page for more information and plan details.