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 in the fall.

2024

We’re providing you with information on the 2024 health plan changes approved in November 2022 (PDF) and March 2023 (PDF) by the CalPERS Board of Administration.

There’s no action for you to take now.

These proposals become part of our rate development process when we set health premiums. The Pension & Health Benefits Committee will review preliminary 2024 health premiums in June 2023 and approve final premiums in July 2023.

Health plans indicated below will have changes in 2024. There are no other changes to our health plans or benefits except those described here. For a full list of our available health plans, view the Plans & Rates page.

Basic Plans

Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO)
Health Plan Changes
Basic HMO Plans with OptumRx pharmacy services Pharmacy mail-order program with opt-out option guiding members to use home delivery for non-specialty maintenance medications
Anthem Blue Cross Traditional Exits Glenn County
Blue Shield Access+ EPO Expansion into Del Norte and San Benito counties
Health Net SmartCare of California Exits all counties; no longer part of CalPERS health plan offerings
UnitedHealthcare SignatureValue Alliance Expansion into 12 counties for public agencies and schools members: Alameda, Contra Costa, Marin, Merced, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, and Stanislaus
UnitedHealthcare SignatureValue Harmony Expansion into Santa Clara and Santa Cruz counties
Preferred Provider Organization (PPO)
Health Plan Changes
Basic PPO Plans

Site of Care lab services incentive, waives coinsurance when members use preferred lab providers for routine lab tests

Pharmacy mail-order program with opt-out option guiding members to use home delivery for non-specialty maintenance medications

Medicare Plans
Health Plan Changes
Kaiser Permanente Senior Advantage Summit Expansion into eight out-of-state regions: Colorado, Hawaii, Georgia, Northwest (Oregon, Washington), Mid-Atlantic (Virginia, Maryland, District of Columbia), and Washington
Anthem Blue Cross Medicare Preferred PPO New supplemental benefits: Personal Emergency Response System (PERS) devices and in-home support services
UnitedHealthcare Medicare Advantage Edge Changing from $0 to a $50 copay for emergency room visits
Western Health Advantage MyCare Select Expansion into Humboldt County

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

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