2025 Plan Information
2025 Open Enrollment Highlights
The below items are notable changes and enhancements for the 2025 plan year
- PPO Medical Plan Vendor Change: PERS Gold and PERS Platinum plan administration
is moving from Anthem Blue Cross to Blue Shield and Included Health. Benefits under the plan are
not impacted. Contact Included Health at (855) 633-4436 to verify provider network participation.
For more information view the Blue Shield & Included Health prerecorded webinar
- Benefit Enhancement to all Medical Plans: Doula benefit for all pregnant
members; Postpartum benefit for Basic members; Travel benefit for medically necessary care.
- Benefit Enhancement for PORAC: Combined 20-visit limit for acupuncture and
chiropractic visits; No visit limit on physical and occupational therapy.
- HCRA Maximum Contribution Increase: Annual Max $3,200; Monthly Max $266.66
- Special Voluntary Life One-Time Special Enrollment Opportunity with The Standard:
Guarantee Issue without medical certification up to $100,000 employee coverage and
$50,000 Spouse/Domestic Partner. If previously declined after submitting Evidence of
Insurability, new EOI must be submitted for consideration.
Register for The Standard's presentation Sept 17 at 1:00 pm
- VSP Premier Premium Increase: See 2025 rates below.
Open Enrollment Guide and Checklist
Open Enrollment Checklist
2025 CSU Open Enrollment Guide - Utilize the CalPERS Zip Code search tool provided below to verify medical plan availability in your service
area.
Consider reviewing your Beneficiaries on File:
Updating and Specifying Beneficiaries
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, including VSP Premier, are made directly with plan vendors. Contact
information is listed below.
CalPERS Health Plans
The following health plan information is provided for our employees who reside locally within San
Luis Obispo and Northern Santa Barbara Counties. For employees who live outside of these areas you
can find information on available health plans using the following resources.
San Luis Obispo and Northern Santa Barbara County Health Plan Rates
2025 Medical Plan Monthly Premium Costs for Employees
| |
HMO |
PPO |
|
| # of Enrollees |
Plan Year |
Anthem Traditional |
Blue Shield Access+ |
Blue Shield Trio |
United HealthCare Value Alliance |
PERS Gold |
PERS Platinum |
PORAC* |
|
| |
2025 vs 2024 Employee Monthly Contribution
|
|
CSU Pays |
| 1 Person |
2025 2024 |
$249.07 $214.94 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$275.30 $232.87 |
$0.00 $0.00 |
$1,060.00 $983.00 |
| 2 People |
2025 2024 |
$579.14 $505.88 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$631.60 $541.74 |
$0.00 $0.00 |
$2,039.00 $1,890.00 |
| 3+ People |
2025 2024 |
$852.58 $748.64 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$0.00 $0.00 |
$920.78 $795.26 |
$0.00 $0.00 |
$2,551.00 $2,366.00 |
For Unit 6 employees, subtract $5 for a 1 party plan, $10 for a 2 party plan, and $20 for a 3+ party plan
2025 Health Plan Information
2025 Health Plan Coverage Comparison
Chart
Dental Plans
Cal Poly continues to offer an HMO and PPO plan choice 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.
Provide
Feedback on Delta Dental Provider Network
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, modify, or cancel their VSP Premium Plan online at http://csuactives.vspforme.com or by calling (800)
400-4569 only during Open Enrollment.
On Demand VSP Vision
Presentation
Vision Service Plan Rates
| Employer Paid Basic VSP Rate for Employee + Family |
| Basic Coverage |
$0.00 (Employer contribution $6.96/month) |
| Voluntary Employee Paid Monthly VSP Premier Premium
|
| Coverage Level |
Plan Year |
Employee Cost |
| Employee Only |
2025
2024 |
$5.06
$4.03 |
| Employee + One |
2025
2024 |
$17.08
$15.01 |
| Employee + Family |
2025
2024 |
$31.73
$28.41 |
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 2025, you must submit your elections
via My Cal Poly Portal before Oct 11.
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 $266.66 per month ($3,200 annual). 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 ($5,000 annual). For more information,
please review the DCRA
brochure.
Visit the ASI Flex website www.asiflex.com to learn more
about eligible expenses, how to submit claims, and other frequently asked questions.
On Demand ASI Flex
Flexible Spending Accounts (HCRA/DCRA) Presentation
Other Voluntary Benefit Plans
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.
