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Open Enrollment for the 2019 Plan Year is Now Closed

Notable Changes:

  • All current health, dental and vision plans will continue to be offered in 2019.
  • UnitedHealthCare HMO premiums have decreased and all other health plan premiums have increased.
  • Office visit co-pays have increased for PPO plans from $20 to $35 for urgent care and specialists.
  • PERS Select PPO has adopted a value-based design with signigicant change to deductibles, co-pays, and share of cost for certain services.
  • Delta Dental PPO preventative services no longer count against annual maximum benefit, and SmileWay Wellness Benefit offers expanded coverage for those with certain health conditions.
  • Vision Service Plan continues to offer voluntary Premier Plan upgrade.
  • Annual maximum contribution for HCRA has increased to $2,650 ($220.83/month).

2019 Plan Rate Changes

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.

2019 Health Plan Premium Costs for Employees
  HMO PPO
# of Enrollees Plan Year Anthem Traditional Blue Shield Access+ United Health Care PERS Select PERS Choice PERS Care PORAC*
  2019 Employee Monthly Contribution CSU Pays
1 Person 2019 2018 $300.48 $116.34 $65.03 $27.32 $0.00 $0.00 $0.00 $0.00 $30.78 $0.00 $195.89 $51.19 $40.00 $0.00 $734.00
2 People 2019 2018 $670.96 $305.68 $200.06 $127.64 $0.00 $32.18 $0.00 $0.00 $131.56 $71.32 $461.78 $175.38 $225.00 $118.00 $1,398.00
2+ People 2019 2018 $901.65 $421.48 $289.48 $190.03 $21.00 $65.93 $0.00 $0.00 $200.43 $116.82 $629.71 $252.09 $288.00 $149.00 $1,788.00
Bargaining Unit 6, State Employee Trade Council (SETC), CSU pays slightly LESS: Deduct an additional $5.00 /$10.00/$20.00 from the employee contribution dependent on number of enrollees in plan.
*Only Bargaining Unit 8 - State University Police Association (SUPA) may enroll in PORAC

2019 Plan Coverage Changes

Health and Dental Changes
Plan Premium Change Coverage Change Plan Details
Anthem Traditional HMO Increasing None
  • Visit Website
  • Summary & Glossary
  • Evidence of Coverage
  • Search for Providers
  • Blue Shield Access+ HMO Increasing None
  • Visit Website
  • Summary & Glossary
  • Evidence of Coverage
  • Search for Providers
    (When prompted select your Plan: CalPERS, and Sub Plan: CalPERS Access+ HMO)
  • UnitedHeathcare HMO Decreasing None
  • 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 Increasing Urgent care and Specialist Vists - Co-pay increasing from $20 to $35
  • Visit Website
  • Summary & Glossary
  • Evidence of Coverage
  • Search for Providers
  • PERS Choice PPO Increasing Urgent care and Specialist Vists - Co-pay increasing from $20 to $35
  • Visit Website
  • Summary & Glossary
  • Evidence of Coverage
  • Search for Providers
  • PERS Select PPO No Change New value-based design. Doctor visit co-pays will decrease to $10 when seeing Primary doctor, otherwise $35; all other co-pays will increase from $20 to $35 for Urgent care & Specialists. Hospital tiers have been removed. Deductible will increase from $500/$1000 to $1000/$2000. Participation in some programs can lower your deductible. Your Primary Doctor is assigned or selected by employee. PERS Select Plan Changes
  • Visit Website
  • Summary & Glossary
  • Evidence of Coverage
  • Search for Providers
  • All Delta Dental PPO Plans No Change Preventative Services (2x x-rays & cleanings) will no longer count towards the annual maximum allowable charges ($1500/$2000 - depending upon dental plan level). This new benefit excludes services provided by Premier or non-Delta dentist. SmileWay Benefit - enhanced coverage for enrollees with gum disease associated with a number of diagnosed systemic conditions. SmileWay details
  • Visit Website
  • PPO Evidence of Coverage
  • All Delta Care HMO Plans No Change No Change
  • Visit Website
  • HMO Evidence of Coverage
  • Vision Service Plan (VSP) No Change An enhanced vision benefit plan (VSP Premier) is available. See below for benefit plan details and enrollment information.
  • Basic Evidence of Coverage
  • Premier Evidence of Coverage
  • Search for Providers
  • 2019 Health Plan Coverage Comparison Chart

    CalPERS

    CalPERS Online Health Plan Statement

    All health plan members can view, download, and/or print their CalPERS 2019 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.

    Dental Plans

    Cal Poly continues to offer an HMO and PPO through Delta Dental. There has been one change to the PPO plan. For PPO plans, all preventative care cost will not count towards the maximum annual benefit. 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.

    Cal Poly Paid Monthly Dental Contribution - No Employee Contribution
    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
    *Plan Level of coverage depends upon employee group/bargaining unit.

    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 2019, 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 $220.83 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.

    ASI Flex Forms

    Voluntary Benefit Plans

    Information regarding voluntary benefit plans and how to enroll can be found below.

    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.


    Hyatt Legal Plans

    MetLaw Legal - Enroll or Disenroll 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. 

    MetLaw Legal Plan Flyer

    For more information or to enroll, please call 1-800-821-6400 or visit www.metlife.com/mybenefits. (Enter your company name: California State University)

    VSP

    Vision Premier Plan - Enroll or Disenroll only during Open Enrollment

    Employees may purchase Vision Service Plan (VSP) Premier coverage as an enhancement to the basic coverage. The VSP Premier plan offers a higher level of benefits for lenses, contact lenses 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 only during Open Enrollment. (Employees will continue to be automatically enrolled in the 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 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.

    Vision Service Plan Rates
    Employer Paid Basic VSP Rate for Employee + Family
    Basic/VDT Coverage $7.47/month
    Voluntary Employee Paid Premier VSP Rate
    Employee Only $4.33/month
    Employee + One $16.13/month
    Employee + Family $30.52/Month
    Aflac

    AFLAC - Apply anytime

    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 1-877-801-7931 or visit www.aflac.com/csu.

    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. 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

    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. 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

    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/.

    CalPERS

    CalPERS Long Term Care - Apply anytime

    CalPERS Long-term care (LTC) coverage helps pay for the high cost of care for assistance with the activities of daily living due to illness, injury, disabilty, cognitive disorder or aging. CalPERS LTC is an optional, employee-paid benefit available to all current and former members (including retirees) and their eligible family members, including:

  • Children and siblings between the ages of 18 and 79,
  • Parents,
  • Parents-in-law,
  • Spouses,
  • And many additional relatives.
  • For more information or to apply, please call 1-800-908-9119 or visit https://www.calperslongtermcare.com/.

    Fidelity SavingsPlus

    Tax Deferred Savings - Enroll anytime

    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.