Open Enrollment starts September 10 and ends October 5. Changes made during Open Enrollment take effect January 1, 2019. During Open Enrollment, you can:

  • Change your CalPERS health plan
  • Add eligible dependents
  • Remove dependents
  • Cancel your existing CalPERS health coverage
  • Enroll in a CalPERS health plan if you don't currently have coverage

If you aren't making changes to your coverage, no action is needed.

Beginning August 27, log in to your my|CalPERS account from your desktop or mobile device to explore your health plan options. my|CalPERS allows you to access customized health information and has tools and resources to help you with your Open Enrollment decisions. my|CalPERS also provides you with secure 24/7 access to view:

  • Specific health benefit changes that may impact you in the coming year
  • Your enrolled dependents
  • Your current 2018 monthly premium rate and 2019 monthly premium rate if you do not change your health plan.
  • 2019 health plans and monthly premium rates available based on your health eligibility ZIP code
  • All CalPERS Open Enrollment information
  • Your 2018 Health Plan Statement

We realize changes to health plans may impact your decision during Open Enrollment. Listed below are the health plan changes for 2019. For a full list of 2019 health premium rates and employer contributions, visit Plans & Rates. For questions regarding available networks or providers, you may contact your health plan directly.

Plan Name Impacts Service Area Changes
Anthem HMO Select (Basic)

No longer offering UC Davis medical group.

Premiums will decrease by 6 percent.*

N/A
Anthem HMO Traditional Premiums will increase by 22 percent.* N/A
Blue Shield Access+ Premiums will increase by 6 percent.* Withdrawing from eight Bay Area counties for state and public agencies:
  • Alameda
  • Contra Costa
  • Marin
  • San Francisco
  • San Mateo
  • Santa Clara
  • Solano
  • Sonoma
Members must choose a different health plan during Open Enrollment.
Health Net SmartCare Premiums will decrease by 7 percent.*

Withdrawing from the Sacramento Region for state and public agencies:

  • El Dorado
  • Placer
  • Sacramento
  • Yolo

Members must choose a different health plan during Open Enrollment.

PERSCare (Basic & Combination Plans)

Co-payment for urgent care & specialist office visits will increase from $20 to $35.

Premiums will increase by 19 percent.*

N/A
PERS Choice (Basic & Combination Plans)

Co-payment for urgent care & specialist office visits will increase from $20 to $35.

Premiums will increase by 5 percent.*

N/A
PERS Select (Basic)

Changing to value-based insurance design (VBID). Personal Doctor visit co-payment will decrease to $10; all other co-payments will increase from $20 to $35.

Premiums will decrease by 25 percent.*

N/A
UnitedHealthcare (Basic & Combination Plans) Premiums will decrease by 1 percent.*

Withdrawing from:

  • Bay Area Region (public agencies only)
  • Other Northern Region (public agencies only)

Members must choose a different health plan during Open Enrollment.

*Percentages are based on single-party state basic health premiums. For comparison purposes only.

It's important to review the details of your health enrollment and understand how health benefit changes may impact you and your dependents. Your my|CalPERS account provides resources to help you review health plan changes and compare costs so you can make an informed decision about your health care coverage. To make the best decision for you and your dependents, you should:

  1. Review your Health Plan Summary in my|CalPERS.
    Verify the health enrollment information about you and your dependents is accurate.
  2. Review your plan, your cost, and your network.
    Will your plan still be available next year, or is there a better option for you? If you change networks, will you still have access to your preferred doctors and/or hospitals? To confirm network availability, contact your current or prospective health plan and/or provider network. While CalPERS provides a variety of health plans, only you can decide which is best for you and your dependents.

Use the tools and resources below to compare coverage, services, and costs.

Active Members

Your Plan, Your Cost, Your Network

  • my|CalPERS - Log in from your desktop or mobile device, and use the Find a Medical Plan tool to find the best health plan option tailored to you and your dependents. You can compare monthly premiums and covered services for each plan.  
  • Plans & Rates - Compare 2019 health plan options, find Evidence of Coverage and Summary of Benefits publications, access provider websites, and research networks of doctors and covered services.
  • 2018-19 Open Enrollment Newsletter - Review 2019 health program highlights, upcoming benefit changes, and important health reminders.
  • Eligibility & Enrollment - Learn about the CalPERS Health Program, including eligibility requirements and general enrollment information.
  • 2019 Health Benefit Summary (PDF) - Compare covered services, co-payments, and benefits for each CalPERS health plan.
  • California Health Care Quality Report Cards - Find information on the quality of health care and how patients rate their experience from specific providers.
  • Medical Board of California - Learn how the state is protecting health care consumers and access to quality medical care.

Retirees

Your Plan, Your Cost, Your Network

  • my|CalPERS - Log in from your desktop or mobile device, and use the Find a Medical Plan tool to find the best health plan option tailored to you and your dependents. You can compare monthly premiums and covered services for each plan.
  • Retiree Plans & Rates - Compare 2019 health plan options, find Evidence of Coverage and Summary of Benefits publications, access provider websites, and research networks of doctors and covered services.
  • 2018-19 Open Enrollment Newsletter - Review 2019 health program highlights, upcoming benefit changes, and important health reminders.
  • Health & Medicare - Discover how CalPERS and Medicare work together.
  • 2019 Health Benefit Summary (PDF) - Compare covered services, co-payments, and benefits for each CalPERS health plan.
  • California Health Care Quality Report Cards - Find information on the quality of health care and how patients rate their experience from specific providers.
  • Medical Board of California - Learn how the state is protecting health care consumers and access to quality medical care.

It's important to review next year's health plan information, as aspects of your coverage may change.

You may use your previous health plan through December 31, 2018 only. Your new health plan takes effect January 1, 2019.

If you change your health plan, you'll receive new ID cards from your new provider.

Note: Without a qualifying event, you may not change your health plan outside of Open Enrollment. Your medical group no longer contracting with your health plan is not a qualifying event.

If you would like to make changes to your health plan for 2019, refer to the information below:

Active Members

To make Open Enrollment health plan changes, contact your health benefits officer or human resources department for required forms and documentation. Refer to A Guide to Choosing a Health Plan page for factors to consider when changing your health plan.

Retirees

You can make Open Enrollment changes through my|CalPERS from your desktop or mobile device. Refer to A Guide to Changing Your Health Coverage page for instructions on how to make a health plan change online. You can also make changes in writing by mailing your request to Health Benefits or calling us at 888 CalPERS (or 888-225-7377).

Open Enrollment for State of California and California State University (CSU)-sponsored dental and vision plans is September 10 to October 5. If you're a public agency or school employee, contact your personnel office regarding your dental and vision benefits.

Active Members

To make Open Enrollment dental and vision plan changes, state members contact your personnel office. CSU members contact your campus benefits officer.

Retired Members

Open Enrollment dental plan changes can be made in writing by mailing your request to Health Benefits or by calling us at 888 CalPERS (or 888-225-7377). For vision plan changes, contact Vision Service Plan (VSP).

Review your pay warrant to ensure the correct health plan premium deduction was made for 2019.

If your January warrant doesn't show the new premium deduction, you should see the premium payment adjustment in a subsequent pay period.

If you don't see the correct deduction applied in your February warrant:

  • Active members can contact their personnel office.
  • Retirees can contact CalPERS.