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Welcome to the CalPERS Health Program

For information about your health plan choices and to help you make the best selection for your needs, we've compiled these resources for you.

Here you'll find:

  • A brief overview of HMO and PPO plans and our Health Plan Search by ZIP Code tool so you can determine which plans are available in your residential or employer ZIP code.
  • Information on our health plan rates (PDF). Remember, these monthly premiums are the total amount, not including any employer contribution you may receive.
  • Publications, online tools, and forms that you may need.

For details about our health plans, please refer to our:

HMO Versus PPO: Pick the Right Health Plan for You

About Our Plans

  • HMO - A Health Maintenance Organization (HMO) plan provides health care from specific doctors and hospitals under contract with the plan. You pay co-payments for some services, but you have no deductible, no claim forms, and a geographically restricted service area.
  • PPO - A Preferred Provider Organization (PPO) is similar to a traditional "fee-for-service" plan, but you must use doctors in the PPO provider network or pay higher co-insurance (percentage of charges). You must usually meet an annual deductible before some benefits apply. You're responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount.
  • EPO - The Exclusive Provider Organization (EPO) plan offers the same covered services as an HMO plan, but you must seek services from the plans' PPO network of preferred providers. You're not required to select a primary care physician.
  • Combination Plans - A combination plan means at least one family member is enrolled in a Medicare health plan and at least one family member is enrolled in a Basic health plan through the same health carrier. CalPERS requires all family members to have the same health carrier. The subscriber must be retired to enroll in a combination plan.

Find Available Health Plans & View Rates

Visit our Plans & Rates page to view:

Using myCalPERS

myCalPERS is your gateway to conduct business electronically with CalPERS and access real-time details about your CalPERS account, including your health information, in a confidential and secure environment. myCalPERS gives you 24/7 access to:

  • Find doctors and providers available in CalPERS health plans.
  • Find what health plans are available in your area.
  • Research monthly premiums of medical plans with the Search Health Plans tool.

Find out more about the benefits of Using myCalPERS and how you can set up your account or retrieve your password.

CalPERS Special Power of Attorney

A CalPERS special power of attorney allows you to designate a representative or agent, known as your attorney-in-fact, to conduct your health and retirement affairs. You may already have a power of attorney set up through another resource; however, it may not address your CalPERS health benefits.

For more information on how to designate an attorney-in-fact, visit our Special Power of Attorney webpage.

Contact CalPERS

Have questions about the CalPERS Health Program? Contact us at 888 CalPERS (or 888-225-7377).