Benefits

Open Enrollment for Plan Year 2025 is Now Closed.

Open Enrollment dates: 09/16/2024 - 10/11/2024

The effective date for all Open Enrollment changes will be January 1, 2025. Please check your January 1, 2025 pay to confirm change(s).

Open Enrollment is your annual opportunity to review your benefits, your family's needs and your benefits package to match. Many life events can occur during the year that can affect the types of plans and amount of coverage you need. Think about the changes you and your family have experienced in the past year or anticipate in the coming year.

During Open Enrollment you can:

Enroll, change or cancel your health, dental and/or Flex Cash option
Add/delete eligible dependents
Enroll or re-enroll in a Flexible Spending Accounts: Dependent Care Reimbursement (DCRA), Health Care Reimbursement (HCRA) or enroll or dis-enroll in a voluntary benefits plan

If you have no changes to your current health, dental, vision or voluntary plans, you don’t need to do anything during Open Enrollment. Your plans will automatically continue for the upcoming plan year (excluding any HCRA/DCRA elections). If you want to participate in the HCRA or DCRA you must re-enroll during Open Enrollment.

NEW:
Both PERS Gold and Platinum members can access providers, hospitals, and facilities in the UC Health System. This sudden network design adjustment, the providers will unfortunately not show up in the Included Health directory, although CalPERS has included it within an FAQ section.

Clarification on PERS Gold Out-of-State/Out-of-Country BlueCard Program: Dependents in out of area zip codes (along as the employee has a California zip code) and enrolled in PERS Gold are eligible for covered services outside of California under the BlueCard Program Benefit. Additional details and information of this benefit are provided on pages 27-30 of the PERS Gold Basic PPO EOC. This also includes additional information on members who cannot find a provider due to their rural zip codes; guidance is provided on how to access virtual or a primary provider through the Included Health app.

Listed below are a few current options for employee in-network PPO provider or plan information searches:

Included Health Member Services is available by phone at (855) 633-4436 or by webchat with their Message Care Team. An Included Health account must be activated for this option.
PPO: CalPERS - Included Health
HMO: CalPERS Active (blueshieldca.com)
Health Plan Search by ZIP Code - CalPERS
Forms & Publications - CalPERS - has all forms and summaries included for all plans.

Open Enrollment Forms

Open Enrollment forms are available below. Most forms, except the VSP premier form, are processed through AdobeSign. After submission, you might get an email from AdobeSign asking you to confirm your email address. You must confirm it for your form to be sent to Human Resources. If you don’t receive a confirmation, your form hasn't been received by HR. If you do receive confirmation, no further action is needed.All Open Enrollment requests must be submitted no later than Friday, October 11, 2024 by 5:00pm.

Open Enrollment Benefits Worksheet

Click below for the applcable worksheet.
Employees with the last names A - L

Employees with the last names M - Z

Complete this enrollment worksheet if you would like to:

Enroll, cancel or make changes to your medical, dental
Enroll in or cancel FlexCash option (if enrolling in FlexCash proof of non-CSU insurance is required).
Add/delete eligible dependents

Flexible Spending Account Form for HCRA and/or DCRA

Click here to enroll or re-enroll in a Flexible Spending Account.

Health Care Flexible Spending Account:
You may contribute up to $3,200 for the 2025 plan year. The 2025 monthly minimum is $20.00 and the maximum is $266.66. Please be sure to initial next to your election and enter your monthly contribution amount on the form.

Dependent Care Flexible Spending Account:
You may contribute up to $5,000 for the 2025 plan year. The 2025 monthly minimum is $20.00 and the maximum is $416.66. Please be sure to initial next to your election and enter your monthly contribution amount on the form.

VSP Premier Enrollment Form

Click Here to enroll or dis-enroll in VSP Premier

What's New for 2025

Health Plan Rate Changes

Effective January 1, 2025 rates for most health plans will change. Please click here for the 2025 Health Plan Rates.

PERS Gold and PERS Platinum Update - Blue Shield will be the new plan Administrator

Effective January 1, 2025, Blue Shield of California will be the new administrator for all PPO plans. For members currently in a basic plan, they are partnering with Included Health to provide member services, including answering inquiries, guiding members to the most appropriate in-network and high-quality providers, and providing care coordination services for members, particularly those with complex health conditions. Included Health will also expand access to care through their supplemental virtual primary care and behavioral health care services. There are no changes to copays, coinsurance, or deductibles with the transition to Blue Shield.

Effective September 9, 2024, members can determine if their doctor is available in PERS Gold or PERS Platinum under Blue Shield of CA by contacting Included Health at (855) 633-4436 for any questions or assistance. Click here to view the CalPERS Webinar introducing the New PPO Administrators.

Vision Service Plan (VSP) Premier Rate Changes

Effective January 1, 2025, monthly rates for the VSP Premier Plan will change.

Employee Only $5.06
Employee + One $17.08
Employee + Family $31.73

The Standard is offering a one-time Special Enrollment for Life Insurance. During this one-time special Open Enrollment you can:

Enroll in or increase your Voluntary Life insurance up to the special guarantee issue amount of $100,000, without answering medical questions.
Enroll or increase Voluntary Life Insurance for your Spouse/Registered Domestic Partner up to the guarantee issue of $50,000, without answering medical questions.
Medical underwriting approval is required for amounts over the special guarantee issue amount and for enrollees who were previously declined coverage by The Standard.

CSU Health Plans:

Click here for the CSU Health Plan 2025 Rates

HMO—Health Maintenance Organization. Requires you to receive care through a network of providers. You must select a primary care physician, who is responsible for coordinating your health care, including referrals to specialists.

PPO—Preferred Provider Organization. Lets you choose from a network of preferred providers. A primary care physician is not required and no referrals are necessary for other in-network providers. You pay more to use an out-of-network provider.

Health Plans Online (Evidence of Coverage)

Health Plan by Zip Code Coverage

Delta Dental (PPO) and Delta Care USA (HMO)
No changes to these employer-paid plans.

Click here to access their website to view your current dental plan or search for a provider.

Vision Basic Plan and Vision Premier Plan
Effective January 1, 2025, monthly rates for the VSP Premier Plan will change.

Employee Only $5.06
Employee + One $17.08
Employee + Family $31.73

Click here for the VSP comparison chart between the Basic & Premier plans.

Health Care Reimbursement Account Plan

This plan allows you to set aside a portion of your pay on a pretax basis to reimburse yourself for eligible health, dental and vision care expenses for you, your spouse/registered domestic partner and eligible dependent(s). You may contribute up to $3,200 for the 2025 plan year through payroll deduction. Enrollment in the Health Care Reimbursement Account (HCRA) is required each year along with your designated contribution amounts. The 2025 monthly minimum is $20.00 and the maximum is $266.66. ASIFlex is the claims administrator for this plan.

HCRA Brochure

Dependent Care Reimbursement Account Plan

The Dependent Care Reimbursement Account plan (DCRA) allows you to set aside a portion of your pay on a pretax basis to reimburse yourself for childcare expenses for your eligible dependent child(ren) under the age of 13. Additionally, if you have an older dependent who lives with you and requires assistance with day-to-day living and is listed as a dependent on your annual tax return, you can claim these eligible expenses through your DCRA. You may contribute up to $5,000 each plan year ($2,500 if married, ﬁling a separate tax return) through payroll deduction. Neither contributions nor reimbursements are taxed. Enrollment in the DCRA is required each year along with your designated contribution amounts. The 2025 monthly minimum is $20.00 and the maximum amount is $416.66. ASIFlex is the claims administrator for this plan.

DCRA Brochure

The Open Enrollment period also provides you with the opportunity to enroll or cancel in the following voluntary plans.

ARAG Legal Insurance:
You can’t predict the future, but you can plan for it. For $16.95 a month via payroll deduction, ARAG can provide you and your eligible dependents legal coverage. An ARAG® legal insurance plan isn’t just for the serious issues. It’s for events you plan for, like getting married or creating a will. Or the unexpected situations, like a traffic ticket or landlord dispute. Network attorney fees are 100% paid in full for most covered matters. Benefit from a wide range of coverage and services to protect you and your loved ones. Employees can only enroll during open enrollment. To learn more about this plan and enroll, go to the website or call (800) 247-4184.

You can learn more about ARAG by visiting their website at ARAGlegal.com/CSU, and entering ACCESS CODE 19061csu or by calling Customer Care at 800-247-4184 and mentioning ACCESS CODE 19061csu.

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California Casulty Auto, Home and Renters Insurance:
Discounted auto, home and renters insurance is offered exclusively to all CSU employees (excluding rehired annuitants and students) through California Casualty. Employees can save an average of over $500 and receive unique benefits like: free/waived deductible if your vehicle is hit/vandalized on campus, identity theft protection, 12-month rate lock guarantee, no charge personal property coverage up to $500 and payroll deduction available at no cost to active employees or monthly E-Z Pay Plans with skip payment options.

Employees can enroll at any time. For more insurance information, safety resources or to get a quote, see their flyer, visit their website, or call (866) 680-5142.

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Fidelity - CSU 403(b) Supplemental Retirement Plan (SRP):
California State University 403(b) Supplemental Retirement Plan (SRP) is a voluntary employer sponsored retirement savings account that is meant to supplement CalPERS pension and Social Security income in retirement. The benefit allows employees to put extra income aside for retirement in a tax deferred retirement savings account where the money can be invested. Fidelity Investments is the administrator/record keeper for this plan. To learn more about Fidelity please visit their website.

CSU 403b SRP Plan Flyer

Enrollment Guide

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Nationwide Pet Insurance:
Whether they have two legs or four, every family member deserves quality health care. That’s why this pet health insurance gives you the freedom to use any vet, anywhere, including specialist and emergency providers. Nationwide offers various benefit options for your pets. This insurance can cover your pet’s accidents, illness and even preventive care and wellness services. Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles). Employees may enroll or cancel at any time. To learn more about this plan please review their flyer and/or to enroll, visit their website or call (877) 738-7874.

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The Standard Insurance:
New for 2025, The Standard Insurance will allow eligible active members the opportunity to enroll in Voluntary Life insurance (up to $100,000 for self and/or spouse/registered domestic partners for up to $50,000) without proving Evidence of Insurability. If you currently have less than $100,000 of coverage or you are not currently enrolled, you can apply for this enhanced benefit.
Note: Previously declined employees or spouses/registered domestic partners will need to provide satisfactory Evidence of Insurability for this enhanced benefit.

The Standard offers a variety of insurances including:

You schedule a one-on-one appointment to speak with a benefits counselor by clicking here.

Learn more about The Standard by visiting their website at www.standard.com/mybenefits/csu or call 800-378-5745.
The Standard Open Enrollment Offering Flyer

FRESNO STATE BENEFITS FAIR AND WELLNESS EXPO
Fresno State Benefits Fair and Wellness Expo was held on Wednesday, September 25, 2024 from 10:30am - 1:00pm. Thank you to everyone who participated! Can't wait to see you next year!

CSU Employee Virtual Benefit Fair Registration
Hosted by the CSU Chancellor's Office:
2025 Event to be announced at a later date