Annual Benefits Open Enrollment

The annual benefits Open Enrollment period for CSU employees is September 15, 2014, through October 10, 2014. The effective date for all changes made during Open Enrollment will be January 1, 2015.

During the open enrollment period, eligible employees may:

  • Enroll in or change health or dental plans;
  • Add or remove spouse, domestic partner or eligible dependents to/from health and/or dental plan;
  • Elect or cancel FlexCash. If you have other non-CSU medical and/or dental coverage, you may elect the FlexCash Plan which pays you cash in lieu of CSU coverage;
  • Elect participation or re-enroll in the Health Care Reimbursement Account (HCRA) or the Dependent Care Reimbursement Account (DCRA). If you are participating in 2014, and want to continue participation in 2015, you must re-enroll during open enrollment.

SSU Health Benefits Fair

On Thursday, September 25, 2014, we will be hosting an in-person Health Benefits Fair in Schulz 1121 from 12:00 p.m. to 2:00 p.m.  We have invited participating health plan representatives who will be available to answer your questions. Enrollment forms and supplemental material will be available for employees.

2015 Health Program Highlights

  • CalPERS Health Plan Changes for 2015 - Beginning January 2015:
    • Blue Shield's NetValue plan is withdrawing from Humboldt County
    • Removal of Sharp Medical Group from Blue Shield's NetValue plan
    • United HealthCare has expanded its service area to also encompass San Joaquin and Solano Counties
    • Inclusion of Acupuncture and Chiropractic benefits for all HMO plans
      • Plans that don't currently offer Acupuncture or Chiropractic services will provide twenty (20) annual visits (combined) for these services, regardless of medical necessity, at the standard office visit copay level ($15)
    • Adoption of High Performance Generic Step Therapy (HPGST) for HMO and PPO plans
      • High Performance Generic Step Therapy encourages the use of a preferred drug prior to the
        utilization of a non-preferred drug. The preferred drug is FDA recommended and represents the
        most cost-effective drug for a given condition. Per CalPERS, an established evidence-based
        protocol must be met before a non-preferred specialty drug will be covered. It is important to note
        that the targeted brands in HPGST have generic alternatives within therapeutic classes and the
        dispensing of a generic alternative requires a new prescription from the prescriber
    • Implementation of Affordable Care Act (ACA) maximum out-of-pocket (MOOP) requirements.
      For 2015, the ACA limits maximum out-of-pocket (MOOP) amounts for health plans to $6,600/$13,200 for
      individuals/families, for both medical and pharmacy benefits combined.
      • The HMO plans presently have a $1,500/$3,000 MOOP for medical benefits, and no MOOP
        for pharmacy benefits. The inclusion of a $5,100/$10,200 MOOP for pharmacy benefits will allow
        the plans to meet the law’s requirement with no impact on premiums
      • The PPO plans presently have no MOOP for medical or pharmacy benefits. The inclusion of a
        $4,600/$9,200 MOOP for medical benefits and $2,000/$4,000 for pharmacy benefits will allow the
        plans to meet the law’s requirement with no impact on premiums
  • Dependent Care Reimbursement Account (DCRA) and/or Health Care Reimbursement Account (HCRA) permit you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible expenses. If you are currently enrolled in the DCRA and/or HCRA, and wish to continue participation in the plan(s), you are required to re-enroll annually during open enrollment
    For 2015, the maximum annual contributions remain at $2,500 for HCRA and at $5,000 for DCRA
    Flexible Spending Account Debit Card for HCRA Enrollees - The optional “FSA Benny Card” issued by ASIFlex, allows enrollees to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) as payment at Health Care Providers and at certain retail locations. For more information about the debit card, please visit the CSU Systemwide Benefits Portal at: www.calstate.edu/hr/benefitsportal/
  • Vision Plan - As a reminder, you and your eligible dependents are automatically enrolled in the VSP vision plan, which is currently fully paid by the CSU. Eye care is an important component of an individual’s overall health and well-being. Make sure you and your family members take advantage of the benefits provided by the plan
  • CalPERS Web Video - CalPERS offers an on-demand video that provides information from expert health plan representatives. Also included with this video are downloadable materials for the 2015 health plans. The video is available on CalPERS On-Line at www.calpers.ca.gov
  • Voluntary Benefits - The following voluntary benefits are offered through payroll deductions:
Voluntary Benefits
Plan Vendor
Auto and Home Insurance 1-866-680-5142 California Casualty
Critical Illness Plan 1-800-433-3036 Aflac
MetLaw Legal Plan 1-800-438-6388 Hyatt Legal Plan, Inc.
Voluntary Accidental Death & Dismemberment Insurance 1-800-378-5745 The Standard
Voluntary Life Insurance 1-800-378-5745 The Standard
Voluntary Long Term Disability 1-800-378-5745 The Standard

  • Additional information regarding these voluntary benefit plans and how to enroll can be found on the CSU Systemwide Benefits Portal at: www.calstate.edu/hr/benefitsportal/. Please note that all of the above voluntary benefit plans, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year. Rates for The Standard Voluntary plans are listed in the 2015 Voluntary Standard Rates sheet
  • MetLaw Legal Plan - This is your annual opportunity to enroll in the MetLaw Legal Plan for a low monthly premium of $19.70. The MetLaw Legal Plan offered by Hyatt Legal Plans, Inc., provides representation for many personal legal services for employees and their eligible dependents. 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
  • CSU Dental Program - There are no benefit changes. Dental premiums will continue to be fully paid by the CSU for the 2015 plan year

To make an Open Enrollment change, please:

Important Links

If there is a discrepancy between this information and the official plan documents and contracts, the official documents will always govern.