Annual Benefits Open Enrollment

The annual benefits Open Enrollment period for CSU employees is September 10, 2018, through October 5, 2018. The effective date for all changes made during Open Enrollment will be January 1, 2019.

During the open enrollment period, eligible employees may:

  • Enroll in or change health or dental plans;
  • Add or remove spouse, domestic partner or eligible dependents to/from health and/or dental plan;
  • Elect or cancel FlexCash. If you have other non-CSU group medical and/or dental coverage, you may elect the FlexCash Plan which pays you cash in lieu of CSU coverage;
  • Elect participation or re-enroll in the Health Care Reimbursement Account (HCRA) or the Dependent Care Reimbursement Account (DCRA). If you are participating in 2018, and want to continue participation in 2019, you must re-enroll during open enrollment.

If you do not intend to make any changes to your health or dental benefits at this time, no action is necessary. However, please note that all employees are subject to health premium rate changes.

SSU Open Enrollment Fair

On Thursday, September 20, 2018, we will be hosting an in-person Open Enrollment Fair in the Student Center, Ballrooms C and D from 12:00 p.m. to 2:00 p.m.  We have invited participating health plan representatives who will be available to answer your questions. In addition, the dental and vision providers as well as some of the other voluntary benefit vendors, including our dedicated TSA representative from Fidelity Investments, will also be available at the fair. Enrollment forms and supplemental material will be available for employees.

2019 Health Program Highlights

  • CalPERS Health Plan Changes for 2019 - Effective January 2019:
    • Beginning August 27, 2018, CalPERS subscribers will have access to log in to their my|CalPERS account to view their customized health information and verify health enrollment with 24/7 access to specific health benefit changes that may impact them in the coming year, review a list of enrolled dependents and decide on their health plan options for 2019.
    • Open Enrollment packets, which will include a Health Plan Statement, will be mailed on August 27th for those who updated their mailing preference by July 1, 2018.
    • Blue Shield Access+ will be withdrawing from the following eight Bay Area counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma. Members currently enrolled in Blue Shield Access+ received notification from CalPERS in July 2018. If you are enrolled in Blue Shield Access+, you must choose a different health plan during Open Enrollment, or you and your covered dependents will be administratively moved to a comparable plan in your area.
    • CalPERS will change and expand benefits for the PERS Select, PERS Choice, and PERSCare plans:
      • PERS Choice and PERSCare Basic co-pays for urgent care and specialty visits will increase to $35. The co-pay to visit your personal physician remains at $20.
      • PERS Select Basic will adopt a value-based insurance design. The approach aims to improve quality and lower costs associated with health care through cost incentives. Co-pays for urgent care and specialty visits will increase to $35. The co-pay to visit your personal physician will reduce to $10.
      • The PERS Select deductible will increase to $1,000 for individual or $2,000 for family. You may earn credits to reduce your deductible by obtaining a biometric screening, a flu shot, a non-smoking certification, a second opinion for elective surgeries, or engaging with a nurse manager for disease management. Each action reduces your deductible by $100.
    • SpineZone, and online back and neck pain program, and Wisdom, a study to optimize breast cancer screening, will be available to PPO members.
  • Dependent Care Reimbursement Account (DCRA) and/or Health Care Reimbursement Account (HCRA) permit you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible expenses. If you are currently enrolled in the DCRA and/or HCRA, and wish to continue participation in the plan(s), you are required to re-enroll annually during open enrollment
      • The 2019 annual maximum contribution for the Health Care Reimbursement Account (HCRA) has increased to $2,650. The HCRA plan offers participants the ability to pay for eligible out-of-pocket medical expenses with pre-tax dollars. The minimum monthly contribution for HCRA is $20 per month ($240 annually), up to a maximum contribution amount of $220.83 per month ($2,650 annually).
      • the 2019 annual maximum contribution for Dependent Care Reimbursement Account (DCRA) remains unchanged at $5,000. The minimum monthly contribution for DCRA is $20 per month ($240 annually), up to a maximum contribution amount of $416.66 per month ($5,000 annually).
      • Flexible Spending Account Debit Card for HCRA Enrollees - As a reminder, HCRA enrollees are eligible to receive an optional Flexible Spending Plan (FSA) debit card. A set of two cards will be mailed to their home and additional card sets are available for $5 which will be billed to their FSA HCRA account. The optional “ASIFlex Visa Card” issued by ASIFlex, allows HCRA enrollees to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) as payment at Health Care Providers and at certain retail locations that have implemented an Inventory Control System, per IRS regulations. Employees must submit the Debit Card Application directly to ASIFlex to enroll in the debit card. For more information about the debit card, please visit the CSU Systemwide Benefits Portal at: www.calstate.edu/hr/benefitsportal/.
      • FSA claim payments are issued daily. Claims can be filed online at www.asiflex.com, through the ASIFlex Mobile Application, by fax or mail.
  • CSU Dental Program - Dental premiums will continue to be fully paid by the CSU for the 2019 plan year.
  • Dental Plan Enhancements - Delta Dental has added a couple of new dental enhancements that are effective January 1, 2019 for the Delta Dental PPO Plan: Diagnostic and Preventative Maximum Waiver and SmileWay Wellness Benefit
    • When you visit a PPO dentist, your diagnostic and preventative services (such as cleanings and exams) will not count against your annual maximum.

    • Delta Dental Pays You Pay
      Your remaining maximum
      Without D&P Maximum Waiver $350.00
      $100.00
      $1,650.00
      With D&P Maximum Waiver $350.00
      $100.00 $2,000.00
    • SmileWay Wellness Benefit is an enhanced coverage for higher risk employees. Employees with these qualifying diagnosed medical conditions (diabetes, heart disease, HIV/AIDS, rheumatoid arthritis or stroke) are offered expanded coverage such as one periodontal scaling and root planning procedure per quadrant per calendar year covered at 100%. In order to use this great enhancement, employees will need to opt in by going to deltadentalins.com/csu (opt in starts on 1/1/2019). Employees may also sign up by phone at (888) 335-8227 to speak to a Customer Service representative Monday through Friday; 8:00 a.m. to 8:00 p.m. PST.
  • Vision Plan - The CSU provides basic vision insurance automatically for eligible employees and their family members at no cost for 2019. The monthly premiums for the basic vision plan will continue to be fully paid by the CSU for the 2019 plan year
    • In 2019, employees will again have the option to purchase VSP Premier coverage, an enhancement to the basic vision insurance plan. the VSP Premier plan offers a higher level of benefits for lenses, contacts and frames. VSP offers a large network of contracting providers including both optometrists and ophthalmologists to choose from when vision care is needed. Both VSP plan options utilize the VSP network of providers, however, out-of-pocket costs associated with the plan options will vary. Employees should use the VSP Vision Benefits Summary to determine which plan suits their vision needs. Employee who choose to enroll in the new Premier Vision Plan, may enroll directly with VSP through the VSP website at www.csuactives.vspforme.com or by calling (800) 400-4569. If an employee chooses to enroll in the Premier plan, any dependents that need to be covered must also be upgraded to the Premier Plan coverage. Employees cannot enroll in both the Basic and Premier coverage at the same time.
    • Highlights of the CSU sponsored vision plan can be reviewed by visiting the CSYou.calstate.edu/openenrollment or by visiting VSP at www.csuactives.vspforme.com or by calling (800) 400-4569. Please refer to the vision plan's Evidence of Coverage (EOC) booklet for a complete explanation of the benefits covered, as well as limitations and exclusions that apply.
  • Voluntary Benefits - The following voluntary benefits are offered through payroll deductions:
Voluntary Benefits
Plan Vendor
Auto and Home Insurance 1-866-680-5142 California Casualty
Critical Illness Plan 1-800-433-3036 Aflac
MetLaw Legal Plan 1-800-438-6388 Hyatt Legal Plan, Inc.
Voluntary Accidental Death & Dismemberment Insurance 1-800-378-5745 The Standard
Voluntary Life Insurance 1-800-378-5745 The Standard
Voluntary Long Term Disability 1-800-378-5745 The Standard
TSA Program 1-800-343-0860 Fidelity Investments

  • Additional information regarding these voluntary benefit plans and how to enroll can be found on the CSU Systemwide Benefits Portal at: www.calstate.edu/hr/benefitsportal/. Please note that all of the above voluntary benefit plans, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year. Rates for The Standard Voluntary plans are listed in the 2019 Voluntary Standard Rates sheet.
  • MetLaw Legal Plan - This is your annual opportunity to enroll in the MetLaw Legal Plan for a low monthly premium. The monthly premium rate of $21.70 will remain the same for the 2019 plan year. The MetLaw Legal Plan offered by Hyatt Legal Plans, Inc., provides representation for many personal legal services for employees and their eligible dependents. Participants can receive services from a Network or Out-of-Network attorney. Services for covered legal matters performed by a Network attorney are fully paid for by the plan. Out-of-Network attorney fees for covered services are reimbursed based on a set fee schedule. Employees that do not enroll in the plan during open enrollment, will not have another opportunity to enroll in the plan until next year’s open enrollment period.
  • CSU Retiree Internet Website - During Open Enrollment and throughout the year, CSU retirees can access health, dental, and vision information online by going to http://csuretirees.calstate.edu. CSU Retirees with questions regarding health or dental eligibility and access to my|CalPERS should contact CalPERS directly at (888) 225-7377.
    • Eligible CSU retirees have the option to enroll in the VSP Premier Vision Service Plan, an enhancement to the Basic VSP Plan during the Open Enrollment period at an additional cost. For additional information, retirees should visit csuretirees.calstate.edu or contact VSP at (800) 400-4569.

To make an Open Enrollment change, please:

  • Complete the Benefit Enrollment/Change Worksheet. All forms are due in the Payroll and Benefits Office by Friday, October 5, 2018
  • Your benefits will not change until January 1, 2019

Important Links

If there is a discrepancy between this information and the official plan documents and contracts, the official documents will always govern.