Plans & Rates

View the 2019 health premium rates approved by the CalPERS Board of Administration:

• CalPERS 2019 In-State Rates (PDF)
• CalPERS 2019 Out-of-State Rates (PDF)

Employer Contribution Amounts

Active State Members

Below are the contribution rates. Your cost is any amount above the employer contribution. Active subscribers are subject to the 80-80 or 85-80 formula. Active subscribers should contact their employer to inquire which formula applies to their bargaining unit.

CalPERS Health Program

State Employer Health Benefit Contributions

Bargaining Units	One-Party	Two-Party	Family
5* and 9*	$620	$1,206	$1,555
1*, 3, 4*, 6, 10*, 11*, 12, 13, 14*, 15*, 20*, and 21*	$583	$1,170	$1,518

State CoBen Allowances

Bargaining Units	One-Party	Two-Party	Family
2, 7, 16*, 17*, 18, and 19*	$630	$1,245	$1,623
8*	$667	$1,281	$1,660
Excluded Employees	$668	$1,293	$1,673

* These bargaining units have health contribution language set in statute.

State Employer Health Benefit Contributions

Active CSU Members

• All Employees (Except Unit 6) - One-Party: $734; Two-Party: $1,398; Family: $1,788
• Unit 6 - One-Party: $739; Two-Party: $1,408; Family: $1,808

State CoBen Allowances

Consolidated Benefits (CoBen) is the employer-provided benefit allowance to offset the cost of health, dental, and vision benefits. For more information, visit CalHR. Check with your employer to determine your contribution amount.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

COBRA rates are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.

State Rates for January 1, 2019 to December 31, 2019

Plan Name	Single	2-Party	Family
Anthem EPO Del Norte	$780.08	$1,560.15	$2,028.20
Anthem Select HMO	$757.75	$1,515.50	$1,970.14
Anthem Traditional HMO	$1,055.17	$2,110.34	$2,743.44
Blue Shield Access+	$815.01	$1,630.02	$2,119.03
Blue Shield EPO	$815.01	$1,630.02	$2,119.03
CAHP	$711.41	$1,381.09	$1,806.34
CCPOA - North	$770.06	$1,543.40	$2,083.74
CCPOA - South	$634.99	$1,273.22	$1,720.42
Health Net Salud y Más	$384.43	$768.86	$999.51
Health Net SmartCare	$743.27	$1,486.55	$1,932.51
Kaiser (CA)	$722.56	$1,445.12	$1,878.65
Kaiser (Out-of-State)1	$983.97	$1,967.95	$2,558.33
PERS Choice	$780.08	$1,560.15	$2,028.20
PERS Select	$502.08	$1,004.17	$1,305.42
PERSCare	$948.49	$1,896.98	$2,466.06
PORAC	$789.48	$1,655.46	$2,117.52
Sharp	$605.53	$1,211.07	$1,574.39
UnitedHealthcare	$709.69	$1,419.37	$1,845.18
Western Health Advantage	$720.93	$1,441.85	$1,874.40

¹These premiums cover all Kaiser out-of-state areas.

View the 2019 COBRA rates by region (PDF).

Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. This ensures that your CalPERS premiums are appropriate and competitive for where you live.

To find your specific health plan premium rates, choose your region from the options below:

• Bay Area Rates (PDF) - View rates for Alameda, Amador, Contra Costa, Marin, Napa, Nevada, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Sutter, and Yuba.
• Los Angeles Area Rates (PDF) - View rates for Los Angeles, San Bernardino, and Ventura.
• Other Northern California Rates (PDF) - View rates for Alpine, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Plumas, San Benito, Shasta, Sierra, Siskiyou, Stanislaus, Tehama, Trinity, and Tuolumne.
• Other Southern California Rates (PDF) - View rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, Riverside, San Diego, San Luis Obispo, Santa Barbara, and Tulare.
• Out-of-State Rates (PDF) - View rates for health plans available outside of California.
• Sacramento Area Rates (PDF) - View rates for El Dorado, Placer, Sacramento, and Yolo.

Employer Contribution Amounts

Contributions vary by employer. Contact your employer to find out how much they contribute toward your monthly premium rate.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

Administrator: Anthem Blue Cross
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

Basic Publications

• 2019 Anthem Blue Cross Select HMO Basic Evidence of Coverage (PDF)
• 2019 Anthem Blue Cross Select HMO Basic Summary of Benefits and Coverage with Uniform Glossary (PDF)
• 2019 Anthem Blue Cross Traditional HMO Basic Evidence of Coverage (PDF)
• 2019 Anthem Blue Cross Traditional HMO Basic Summary of Benefits and Coverage with Uniform Glossary (PDF)
• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)

Anthem Blue Cross EPO is available only in Del Norte county.

Administrator: Anthem Blue Cross
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

Basic Publications

• 2019 Anthem Blue Cross Del Norte County EPO Evidence of Coverage (PDF)
• 2019 Anthem Blue Cross Del Norte County EPO Summary of Benefits and Coverage (PDF)
• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Prescription Drug Services: OptumRx

Basic Publications

• 2019 Anthem Medicare Preferred (PPO) Evidence of Coverage (PDF)
• 2019 Medicare Part D Prescription Drug Plan (PDP) (Offered with the Medicare Preferred Plan) Evidence of Coverage (PDF)

Administrator: Blue Shield of California
Offers Medicare? No
Directory: Find a Doctor

Basic Publications

• 2019 Blue Shield Access+ HMO Evidence of Coverage (PDF)
• 2019 Blue Shield Access+ HMO Summary of Benefits and Coverage with Uniform Glossary (PDF)

Blue Shield EPO is available only in Colusa, Mendocino, and Sierra counties.

Administrator: Blue Shield of California
Offers Medicare? No
Directory: Find a Doctor

Basic Publications

• 2019 Blue Shield EPO Evidence of Coverage (PDF)
• 2019 Blue Shield EPO Summary of Benefits and Coverage

You must belong to the specific employee association and pay applicable dues to enroll in the California Association of Highway Patrolmen (CAHP). Note: The Prudent Buyer Network for CAHP’s Basic and Combination Plan is available only in California and in limited areas of selected states outside of California. Contact us at 888 CalPERS (or 888-225-7377) for further assistance.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

• 2019 CAHP Basic Health Plan Evidence of Coverage (PDF, 3.16 MB)
• 2019 CAHP Summary of Benefits and Coverage with Uniform Glossary (PDF, 1.04 MB)

Medicare Publications

• 2019 CAHP Supplement to Medicare Evidence of Coverage (PDF, 2.18 MB)
• 2019 CAHP Medicare Part D Prescription Drug Coverage Evidence of Coverage (PDF, 1.4 MB)

You must belong to the specific employee association and pay applicable dues to enroll in the California Correctional Peace Officers Association (CCPOA). The CCPOA plan is available only to dues-paying members of that organization and their families.

Administrator: Blue Shield of California
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

• 2019 CCPOA Access+ HMO Basic Evidence of Coverage (PDF)
• 2019 CCPOA Access+ Summary of Benefits and Coverage with Uniform Glossary (PDF)

Medicare Publications

• 2019 CCPOA Access+ HMO Supplement to Medicare Evidence of Coverage (PDF)
• 2019 CCPOA Medicare Prescription Drug Plan Evidence of Coverage (PDF)

Administrator: Health Net of California
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: ProviderSearch

Basic Publications

• 2019 Health Net of California: Salud y Más HMO Evidence of Coverage (PDF)
• 2019 Health Net of California: Salud y Más HMO Summary of Benefits and Coverage with Uniform Glossary (PDF)
• 2019 Health Net of California: SmartCare HMO Evidence of Coverage (PDF)

• 2019 Health Net of California: SmartCare HMO Summary of Benefits and Coverage with Uniform Glossary (PDF)

• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)

This plan is available in some states. Refer to the Evidence of Coverage for service area information.

Administrator: Kaiser Permanente
Offers Medicare? Yes
Directory: Doctors & Locations

Basic Publications

• 2019 Kaiser Health Plan Evidence of Coverage (PDF)
• 2019 Kaiser Summary of Benefits and Coverage with Uniform Glossary (PDF)

Medicare Publications

• 2019 Kaiser Health Plan Senior Advantage Medicare Evidence of Coverage (PDF)
• 2019 Kaiser Health Plan Senior Advantage When Medicare Is Secondary Evidence of Coverage (PDF)

You must belong to the specific employee association and pay applicable dues to enroll in the Peace Officers Research Association of California (PORAC). This plan is available outside of California. Refer to the plan's Evidence of Coverage for service area information.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Directory: Find a Doctor

Basic Publications

• 2019 PORAC Prudent Buyer Plan Evidence of Coverage (PDF)
• 2019 PORAC Prudent Buyer Plan Summary of Benefits and Coverage with Uniform Glossary
• 2019 PORAC Out-of-State Resident Basic Health Plan Evidence of Coverage
• 2019 PORAC Out-of-State Resident Summary of Benefits and Coverage with Uniform Glossary

Medicare Publications

• 2019 PORAC Supplement to Original Medicare Plan Evidence of Coverage (PDF)
• 2019 PORAC Medicare Part D Prescription Drug Plan Evidence of Coverage (PDF)

This plan has no geographical restrictions. It provides coverage anywhere in the world.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

Basic Publications

• 2019 PERSCare Basic Plan Evidence of Coverage (PDF)
• 2019 PERSCare Basic Plan Summary of Benefits and Coverage with Uniform Glossary (PDF)

Medicare Publications

• 2019 PERSCare Medicare Supplement Plan Evidence of Coverage (PDF)
• 2019 PERSCare Medicare Part D Prescription Drug Plan Evidence of Coverage (PDF)

This plan has no geographical restrictions. It provides coverage anywhere in the world.

Administrator: Anthem Blue Cross
Offers Medicare? Yes
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

Basic Publications

• 2019 PERS Choice Basic Plan Evidence of Coverage (PDF)
• 2019 PERS Choice Basic Plan Summary of Benefits and Coverage with Uniform Glossary (PDF)

Medicare Publications

• 2019 PERS Choice Medicare Supplement Plan Evidence of Coverage (PDF)
• 2019 PERS Choice Medicare Part D Prescription Drug Plan Evidence of Coverage (PDF)

Administrator: Anthem Blue Cross

Offers Medicare? Yes
Prescription Drug Services: OptumRx
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center
New: Value-Based Insurance Design

Basic Publications

• 2019 PERS Select Basic Plan Evidence of Coverage (PDF)
• 2019 PERS Select Basic Plan Summary of Benefits and Coverage with Uniform Glossary (PDF)

Medicare Publications

• 2019 PERS Select Medicare Supplement Plan Evidence of Coverage (PDF)
• 2019 PERS Select Medicare Part D Prescription Drug Plan Evidence of Coverage (PDF)

Administrator: Sharp Health Plan
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: Find a Doctor

Basic Publications

• 2019 Sharp Performance Plus Basic Evidence of Coverage (PDF)
• 2019 Sharp Performance Plus Basic Summary of Benefits and Coverage with Uniform Glossary (PDF)
• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)

Administrator: UnitedHealthcare
Offers Medicare? No
Prescription Drug Services: OptumRx
Directory: Find a Doctor

Basic Publications

• 2019 UnitedHealthcare SignatureValue Alliance Evidence of Coverage (PDF, 1.84 MB)
• 2019 UnitedHealthcare SignatureValue Alliance Summary of Benefits and Coverage with Uniform Glossary (PDF, 1.21 MB)
• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)

Administrator: UnitedHealthcare
Offers Medicare? Yes
Directory: Find a Doctor

Publications

• 2019 UnitedHealthcare Group Medicare Advantage (medical only) Evidence of Coverage (PDF, 6.05 MB)
• 2019 UnitedHealthcare Group Medicare Advantage (with dental and vision) Evidence of Coverage (PDF, 6.16 MB)

Administrator: Western Health Advantage
Offers Medicare? No

Basic Publications

• 2019 Western Health Advantage Evidence of Coverage (PDF)
• 2019 Western Health Advantage Summary of Benefits and Coverage (PDF)
• 2019 OptumRx Outpatient Prescription Drug Benefit Plan for Selected HMO Basic Plans Evidence of Coverage (PDF)