We’re working to give members more choices for affordable health plans and to ensure our benefit coverage provides equitable, high-quality health care. We realize that any changes to health plans impact your decisions during Open Enrollment. We will communicate all changes to plans and premiums to you prior to Open Enrollment.

2023

The Board of Administration approved final health plan premiums for 2023 in July.

The health plans indicated below will have premium increases of 9% or higher, changes to service areas, and benefit design changes in 2023. For a full list of our available health plans and premiums, view our Plans & Rates page.

Log in to myCalPERS to view customized health benefit information. Use the Search Health Plans tool to find health plans available in your area and whether your doctor accepts those plans.

Basic Plans

Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO)

Health Plan Changes
Anthem Blue Cross Select

11.13% premium increase for Public Agencies and Schools in Region 1

9.08% premium increase for Public Agencies and Schools in Region 3

Anthem Blue Cross Del Norte EPO

14.48% premium increase for State and California State Universities

13.54% premium increase for Public Agencies and Schools in Region 1

Blue Shield Access+ EPO Expansion into 11 counties: Alpine, Calaveras, Inyo, Lake, Modoc, Mono, Plumas, Siskiyou, Tehama, Trinity, and Tuolumne
Blue Shield Trio

Expansion into seven counties: Butte*, Kern, Kings, Monterey, Riverside, San Bernardino, and Tulare

New pharmacy shared patient savings program featuring one month of plan savings for using a clinically equivalent, lower-cost drug alternative.

Health Net Salud y Mas

29.88% premium increase for State and California State Universities

27.48% premium increase for Public Agencies and Schools in Region 2

30.71% premium increase for Public Agencies and Schools in Region 3

Sharp Performance Plus

9.40% premium increase for State and California State Universities

9.40% premium increase for Public Agencies and Schools in Region 2

*Pending Department of Managed Health Care approval.

Preferred Provider Organization (PPO)

Health Plan Changes
PERS Gold

17.79% premium increase for State and California State Universities

 

17.74% premium increase for Public Agencies and Schools in Region 1

18.4% premium increase for Public Agencies and Schools in Region 2

18.21% premium increase for Public Agencies and Schools in Region 3

PERS Platinum

14.48% premium increase for State and California State Universities

 

13.54% premium increase for Public Agencies and Schools in Region 1

15.03% premium increase for Public Agencies and Schools in Region 2

14.97% premium increase for Public Agencies and Schools in Region 3

18.42% premium increase for State and California State Universities and Public Agencies and Schools Out of State

Medicare Plans

Health Plan Changes
Anthem Blue Cross Medicare Preferred

Copays for acupuncture and chiropractic services to $10 down from $15

14.83% premium increase for State and California State Universities

14.83% premium increase for Public Agencies and Schools in Region 1

14.83% premium increase for Public Agencies and Schools in Region 2

14.83% premium increase for Public Agencies and Schools in Region 3

Anthem Select Medicare Preferred

14.83% premium increase for State and California State Universities

14.83% premium increase for Public Agencies and Schools in Region 1

14.83% premium increase for Public Agencies and Schools in Region 2

14.83% premium increase for Public Agencies and Schools in Region 3

Anthem Select and Medicare Combination

9.04 – 11.41% premium increase for State and California State Universities

11.8 – 13.13% premium increase for Public Agencies and Schools in
Region 1

9.21 – 12.07% premium increase for Public Agencies and Schools in
Region 2

10.52 – 12.76% premium increase for Public Agencies and Schools in Region 3

California Correctional Peace Officers Association (CCPOA) Medicare Supplement CCPOA is changing from a Medicare Supplement plan to a Medicare Advantage plan.
Kaiser Permanente Senior Advantage Quarterly $70 over the counter (OTC) allowance for OTC medications, vitamins and supplements, and other certain mobility and home care supplies.
Kaiser Permanente Senior Advantage Summit

This new plan will offer $0 copay for most services; however, copays for emergency room visits, pharmacy benefits, acupuncture, and chiropractic will remain.

Quarterly $70 over the counter (OTC) allowance for OTC medications, vitamins and supplements, and other certain mobility and home care supplies.

PERS Gold and Medicare Combination

10.41 – 14.14% premium increase for State and California State Universities

10.64 – 14.29% premium increase for Public Agencies and Schools in Region 1

10.33 – 14.29% premium increase for Public Agencies and Schools in Region 2

10.18 – 14.09% premium increase for Public Agencies and Schools in Region 3

PERS Platinum and Medicare Combination

11.89 – 13.57% premium increase for State and California State Universities

11.59 -12.88% premium increase for Public Agencies and Schools in Region 1

12.04 – 13.95% premium increase for Public Agencies and Schools in Region 2

11.99 – 13.88% premium increase for Public Agencies and Schools in Region 3

13.35 – 16.57% premium increase for State and California State Universities and Public Agencies and Schools Out of State

PERS Platinum Supplement to Medicare

9.97% premium increase for State and California State Universities

9.97% premium increase for Public Agencies and Schools in Region 1

9.97% premium increase for Public Agencies and Schools in Region 2

9.97% premium increase for State and California State Universities and Public Agencies and Schools Out of State

Western Health Advantage MyCare Select Medicare Advantage

New supplemental benefit:

Meal delivery following hospital stay of up to 56 meals, four times per year

Benefit Design Changes for Basic Plans

Benefit Changes
Reproductive Health Equity Language New benefit language providing all persons’ access to reproductive health benefits regardless of sex, sexual orientation, or gender identity.
Fertility Care Health Equity Language New benefit language updating the definition of infertility to provide access to infertility treatment to members regardless of age, sexual orientation, gender identity, or marital status.
Hearing Aids Hearing aids are covered at 100% in both ears every 36 months when medically necessary to prevent and treat speech and language development delay due to hearing loss.
Match Preferred Provider Organization (PPO) Members with Primary Care Providers

New match to a Primary Care Provider (PCP) for PPO members in a basic plan only and doesn’t apply to Medicare. Members will be free to choose a different PCP without affecting the ability to see a specialist anytime.

Members with an existing PCP assignment will keep that PCP, unless the member requests a new assignment through their health plan.

2022

The following health plan changes were approved (PDF) in November 2020 by the CalPERS Board of Administration for the 2022 plan year.

These changes took effect January 1, 2022.

Basic Plans

Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO)

Health Plan Changes
Blue Shield Access+ Reenter into eight Bay Area counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, Sonoma, and Solano
Blue Shield EPO Expand into Lassen and Shasta counties
Blue Shield Trio Expand into Santa Cruz, Stanislaus, and Orange counties
UnitedHealthcare SignatureValue Harmony New plan to be available in Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties
Western Health Advantage Expand into Humboldt County

Preferred Provider Organization (PPO)

CalPERS three PPO plans, PERSCare, PERS Choice, and PERS Select, will transition to two plans, PERS Platinum and PERS Gold. The change is the result of a year-long analysis to stabilize the Basic plan portfolio, including engagement with members, employers, and stakeholders. The two PPO plans will offer more distinction in benefit design, networks, and premium pricing.

Health Plan Changes
PERSCare Transition to PERS Platinum. Retains the same 90/10 benefit design, and network as PERSCare/PERS Choice
PERS Choice Transition to PERS Platinum. Offers a 90/10 benefit design, and retains the network of PERSCare/PERS Choice
PERS Select Transition to PERS Gold. Retains the same 80/20 benefit design and network as PERS Select

Medicare Plans

Health Plan Changes
Anthem Blue Cross Medicare Preferred Expand into 21 additional counties for coverage in all 58 counties

New supplemental benefits:

  • 12 telephone nutritional counseling sessions
  • 1 monthly shipment of recommended healthy non-perishable staples
  • Non-emergency medical transportation to medical appointments, SilverSneakers locations, and pharmacies. Twelve one-way trips, up to 60 miles per trip, per year
Blue Shield Medicare Advantage New plan to be available nationwide

Additional supplemental benefits:

  • Quarterly $80 over-the-counter drug benefit
  • Personal emergency response system
  • Post-discharge meals
  • 24 non-emergency medical transportation one-way trips
PERSCare Supplement to Medicare Plan Transition to PERS Platinum Supplement to Medicare Plan. No changes to benefit design or network.
PERS Choice Supplement to Medicare Plan Transition to PERS Platinum Supplement to Medicare Plan. No changes to benefit design or network.
PERS Select Supplement to Medicare Plan Transition to PERS Gold Supplement to Medicare Plan. No change to benefit design or network.
UnitedHealthcare Medicare Advantage Edge New nationwide plan with OptumRx pharmacy benefit manager
Western Health Advantage (WHA) MyCare Select Medicare Advantage New plan to be available 9 counties (Sacramento, Yolo, Solano, El Dorado, Placer, Colusa, Marin, Napa, Sonoma)