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).

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.

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.

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

• Debit Card Application (If new applicant, please wait until December 2018 to submit)
• Debit Card FAQs
• Quick Guide

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.

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)

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 - 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.

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 - 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 - 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 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/.

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.