Retiree 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

Below are the contribution rates. Your cost is any amount above the employer contribution.

CalPERS Health Program

Contribution Formula Availability – State Annuitants

State retiree contribution formulas outlined in the table below, vary by first hire date to the State of California and State Bargaining Unit. State Annuitants enrolled in Basic plans use the Basic 80/80 formula and State Annuitants enrolled in Medicare plans use the Medicare 80/80 formula. All bargaining units not listed as 80/80, have the 100/90 state retiree contribution formula.

Retired CSU Members

• One-Party: $734; Two-Party: $1,398; Family: $1,788

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.

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.

For state retirees, the amount the state contributes towards your health coverage depends on whether or not you're "vested." If you meet the requirements to continue health benefits into retirement and were first hired by the state:

• Before January 1, 1985 - You're eligible to receive 100 percent of the state's contribution.
• Between January 1, 1985 and January 1, 1989 - You're subject to "vesting" requirements. You must have 10 years of service to be fully vested and qualify for 100 percent of the state's contribution towards health coverage. With less than 10 years, you are still eligible for health coverage. However, there will be an additional cost to you since the state's contribution is reduced by about 10 percent for each year of service under 10 years.
• After January 1, 1989 - You're still eligible for health coverage. However, the percentage of the state's contribution is based on your completed years of state service. The table below shows the percentage of the state's contribution you will receive.

Some bargaining units have a 25-year vesting schedule for state employees hired on or after certain dates. These bargaining units and hire dates are as follows:

• Bargaining Unit 12 - January 1, 2011
• Bargaining Units 9 and 10 - January 1, 2016
• Bargaining Units 1, 2, 3, 4, 6, 7, 8, 11, 13, 14, 15, 17, 18, 19, 20, 20, 21, and the Judicial Branch - January 1, 2017
• Bargaining Unit 16 - April 1, 2017

If you're a member of one of these bargaining units and were hired on or after the date indicated above, then once you reach 25 years of state service, you're fully vested and qualify for 100 percent of the state's contribution toward your health premium.

CSU Health Vesting Requirements

Some CSU bargaining units hired on or after certain dates are subject to a 10-year health vesting period for retiree health benefits. Once you reach 10 years of state service, you are fully vested and qualify for 100 percent of state's contribution towards your health premium. The bargaining units and hire dates are as follows:

Bargaining Unit 3 - July 1, 2017

Non-represented employees - July 1, 2018

Bargaining Unit 1, 2, 4, 5, 6, 7, 9 and 10 - July 1, 2018

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
Directory: Find A Doctor, Pharmacy, Hospital or Urgent Care Center

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)