Open Enrollment 2015

September 15, 2014 - October 10, 2014

This year the Open Enrollment period is from September 15th, through October 10th. The Annual Open Enrollment period provides an opportunity for employees to make changes to their benefit plans. It is your once-a-year opportunity to review new offerings and make additions, changes or deletions to your benefits for the coming year.

During this time, you may add or delete dependents, change your health or dental plan, and enroll or cancel FlexCash.  If you are currently a Flexible Spending Account participant (HCRA/DCRA), you may re-enroll in your HCRA/DCRA plan for next year. If you are not a current HCRA/DCRA participant, and wish to enroll, you may do so during Open Enrollment. Employees may also enroll in the group legal plan managed through MetLife Hyatt Legal, during Open Enrollment. 

In addition, open enrollment provides the opportunity to explore Voluntary plan options, including enrollment in the Critical Illness plan (AFLAC), increase life insurance benefits (The Standard) or enroll in a Tax Shelter Annuity plan (403(b)/457/401k).  These plans do not have an official open enrollment period, however specific enrollment criteria and deadlines may apply.


Take part in the process:

  • Review your choices including the new HMO health plans and rates: 2015 Health Premium Rates
  • Talk to benefits experts
  • Ask colleagues for recommendations
  • Attend the Benefits Fair on October 2, 2014 to speak with plan providers
  • Visit the CSU website Open Enrollment webpage for links to resources and additional information
  • If you wish to make changes during Open Enrollment, log onto MyCSUEB and make your selections

Remember: All changes made during Open Enrollment will be effective on January 1, 2015. Carefully review your first pay check in 2015 to ensure your open enrollment changes are listed.  Contact Human Resources regarding any discrepancies. Open Enrollment changes, such as health, dental and HCRA/DCRA are submitted through MyCSUEB.  Voluntary benefit plan enrollments, such as AFLAC, MetLife Legal plan and The Standard, are processed through the specific provider’s website.

IMPORTANT: If you do not wish to make any changes to your benefits, or enroll/ re-enroll in the HCRA/DCRA plan, during this Open Enrollment period, no action is required. Please carefully review all plan information regarding CSU Benefit plans and Open Enrollment.

What’s New for 2015 Open Enrollment?

HEALTH

Highlights of CalPERS health benefit changes for 2015 are listed below. Please refer to the health plan's 2015 Evidence of Coverage (EOC) booklet for a complete explanation of the benefits covered, as well as limitations and exclusions that apply.

Here are some important changes to health plan coverage in 2015:

  • Acupuncture and Chiropractic Services will be offered by all HMO plans.  
  • Blue Shield is dropping its NetValue coverage in Humboldt County.
  • United Healthcare is expanding its coverage into Solano and San Joaquin counties.

In 2015, CalPERS existing PPO and new HMO plans will include coverage for the related aspects of gender reassignment surgery. This coverage is already included in the current HMO health plans.

You are encouraged to review your health plan options during open enrollment. Please refer to the link below for further details regarding plan changes:

http://www.calpers.ca.gov/eip-docs/about/pubs/member/open-enrollment-news.pdf

 **If you wish to remain in your current plan, no action is required.

Please notice: Health premiums for 2015 have increased for some CalPERS health plans.

Please review the 2015 health rates carefully.

2015 Health Premium Rates: 2015 Health Premium Rates 

CalPERS Medical Plan Information

Anthem HMO phone: 855-839-4524
http://www.anthem.com/ca/calpershmo/
2014 Anthem Blue Cross HMO Evidence of Coverage
2014 Anthem Blue Cross HMO Traditional Evidence of Coverage

Blue Shield HMO phone: 800-334-5847
Blue Shield Access+ (HMO)[8] and Blue Shield NetValue (HMO) [8]
2014 Blue Shield Access HMO Evidence of Coverage  2014 Blue Shield Net Value Evidence of Coverage

Kaiser HMO: phone: 800-464-4000
http://my.kp.org/calpers/
2014 Kaiser Evidence of Coverage


PERSCare (PPO), PERSChoice (PPO) and PERS Select (PPO)[11] phone: 877-737-7776
(Anthem administers the PPO plans)
2014 PersChoice Evidence of Coverage

UnitedHealth  phone: 877-359-3714
2014 United Health Care Evidence of Coverage

http://calpers.welcometouhc.com/

Disclosures and Privacy Information

DENTAL

There are no changes to the CSU Dental plan for the 2015 plan year.

Dental Cards: If you are changing your dental plan during open enrollment, Delta Dental does not issue dental cards. DeltaCare USA should issue your dental card by January 1, 2015. If you have not received your dental card from Delta Care USA by January, please contact DeltaCare USA. For more information, please refer to your Dental evidence of coverage and benefit plan summary:

 VISION PLAN:
There are no changes to the VSP vision plan for the 2015 plan year. Please refer to the vision plan summary or VSP plan summary and Evidence of Coverage.

FLEXCASH:

There are no changes to the FlexCash plan for the 2015 plan year. The benefit levels for FlexCash remain $128.00 per month, in lieu of CSU medical coverage, and $12.00 per month in lieu of CSU dental coverage; $140.00 per month for medical and dental FlexCash.  FlexCash is a taxable benefit. Benefit eligible employees may enroll in FlexCash if they have other, non-CSU coverage and decline CSU medical and dental coverage. For more information please refer to the FlexCash brochure.

HEALTH CARE REIMBURSEMENT ACCOUNT (HCRA) AND DEPENDENT CARE REIMBURSEMENT ACCOUNT (DCRA):

The HCRA plan offers participants the ability to pay for eligible out-of-pocket health care expenses with pre-tax dollars.

The Health Care Reimbursement Account (HCRA) maximum contribution amount is $2,500 annually.

The minimum monthly contribution for Health Care Reimbursement Account (HCRA) is $20 per month ($240 annually), up to a maximum contribution amount of $208.33 per month ($2,500 annually). Employees should plan their enrollment amounts carefully.

Dependent Care Reimbursement
The DCRA plan offers participants the ability to pay for eligible out-of-pocket dependent care expenses with pre-tax dollars. The minimum monthly contribution for the Dependent Care Reimbursement Account (DCRA) is $20 per month ($240 annually), up to a maximum contribution amount of $416.66 per month ($5,000 annually).

For more information please refer to the HCRA/DCRA summary at:


Flexible Spending Debit Card (Benny Card) for HCRA Enrollees

As a reminder, employees may enroll in the Flexible Spending Plan debit card (Benny Card) for HCRA participants during Open Enrollment. Participation in the Benny Card program is optional. The Benny Card allows HCRA participants to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) in lieu of submitting claim forms to the plan administrator, ASI. To utilize the Benny Card, the Health Care Provider or retail location must be a participating provider.

Employees must submit a Debit Card Application directly to ASIFlex during the open enrollment period in order to enroll in the Benny Card program. The monthly administrative fee to enroll in the Benny Card program is $12 per year ($1 per month). The Benny Card will be loaded with your yearly health care reimbursement enrollment amount and the yearly fee will be deducted from your annual enrollment amount for January 2015.  Employees should submit the application during open enrollment and receive their Benny Card in December 2014. If you have not received your Benny Card by January 2015, please call ASI at 800-659-3035.


TAX ADVANTAGE PREMIUM PLAN (TAPP)

There are no changes to the Tax Advantage Premium Plan (TAPP) for the 2015 plan year. The TAPP plan allows an employee's monthly health premium to be deducted from their pay check on a pre-tax basis. For those employees planning to remain in the TAPP plan, there is no action required on your part. For those employees who wish to opt out of TAPP participation, please contact Human Resources. An administrative fee, for 17 cents, is deducted from your pay check each month. For more information please refer to the TAPP summary. 

VOLUNTARY BENEFIT PLANS

During open enrollment, employees may consider enrollment in one of the Voluntary benefit plans available to CSU employees.

IMPORTANT: Voluntary plan enrollments cannot be submitted through the MyCSUEB portal. Employees must log onto the voluntary plan website or call the plan directly to enroll.


MetLaw® Legal Plan:

During open enrollment, employees may enroll in the MetLaw Legal plan. For a low monthly premium of $19.70, 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. The plan covers telephone and office consultations for an extensive list of legal matters, even if the matter is not fully covered, so long as it is not excluded. The following services are fully covered under the plan: consumer protection matters, defense of civil lawsuits, document preparation and review, estate planning documents, family law, financial matters, immigration, juvenile matters, real estate matters, and traffic offenses (no DUI). In addition to unlimited advice and consultation, the plan also has an identity theft component. Employees can receive a consultation from an attorney on preventing identity theft. In addition, the plan provides legal representation in the event it actually occurs.

AFLAC-Critical Illness Plan: Employees may enroll in this plan at any time during the year, however a medical insurability report is required. The Group Critical Illness plan, offered by AFLAC, provides a lump-sum benefit payment to cover out-of-pocket medical expenses and the costs associated with life-changes following the diagnosis of a covered critical illness. Critical Illnesses covered under the plan include the following: Heart Attack, Stroke, Major Organ Transplant, Renal Failure (End Stage), Cancer, Carcinoma in Situ, Coronary Artery Bypass Surgery, and Skin Cancer. In addition, AFLAC provides a cash benefit for specified health screenings such as mammogram and colonoscopy.


The Standard Voluntary Life Insurance
Employees may enroll in this plan at any time during the year, however a medical insurability report is required. The Standard offers CSU eligible employees the opportunity to purchase Voluntary Life Insurance at competitive group rates.

The Standard Voluntary Long Term Disability Insurance
Voluntary Long Term Disability Plan is administered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability. The vendor offers two (2) different plan options which include a 30 or 90 day waiting period. Eligible employees may enroll in this plan at any time during the year, however a medical insurability report is required. Employees who are not covered by the CSU in Employer-Paid long term disability insurance are eligible to enroll with The Standard.

The Standard Voluntary Accidental Death & Dismemberment
The Voluntary AD&D Plan administered by The Standard covers employees and their dependents in the event of death or dismemberment as a result of a covered accident. Coverage may be elected in amounts from $25, 000 up to $1 million dollars. Employees may enroll in this pan at any time during the year, however a medical insurability report is required.

California Casualty Auto and Home Insurance
The Auto and Home Insurance plan offered by California Casualty, allows CSU eligible employees obtain auto and home insurance policies at a discounted rate. Most employees are eligible. The plan also has an identity theft component knows as ID Defense. All policies are written for a 12-month period. Employees can enroll in this benefit at any time during employment. For rates and more information or to enroll, please visit the California Casualty website at www.csuautoinsurance.com[28] or call (866) 680-5142.

Voluntary plan providers will submit all plan enrollments to the State Controller’s Office (SCO) for payroll deduction processing. Please direct all questions regarding benefits coverage, or issues with the benefit deduction, to the vendor directly for assistance.

BENEFIT EVENTS FOR 2015 OPEN ENROLLMENT

Benefits Fair: October 2nd at 11am to 1pm. 

Location: New University Union, Multipurpose room B. 

Vendors from our benefit plans will attend the Benefits Fair.  Employees will have the opportunity to speak with plan providers, receive Open Enrollment information, participate in raffles, and receive giveaways.  Please join us for our annual event.

Please notice: The following providers will not attend the Benefit Fair:
  • Anthem HMO and PPO plans (Pers Care/Choice/Select)

Open Enrollment Changes

If you wish to make changes to your benefits plans:

  • Changes/deletions/additions to Health, Dental, Flex Cash, or the Tax Advantage Premium Plan
  • Re-enrollment or enrollment for the 2015 tax year in the Healthcare Reimbursement Account (HCRA) and/or Dependent Care Reimbursement Account (DCRA)

Log onto MyCSUEB and select the open enrollment option to submit changes to your benefits during Open Enrollment. You will be able to make Open Enrollment changes beginning September 15, 2014. All Open Enrollment benefit changes must be submitted no later than Friday, October 10, 2014.

Be sure to review your December paycheck (with an issue date of January 1, 2015) to verify your Open Enrollment changes. Please contact Human Resources regarding discrepancies.

Medical ID Cards: Each health plan will make every effort to ensure members, who change their health plans during open enrollment, receive their new identification cards before January 1, 2015. If you change health plans and do not receive new cards by January, please contact your new health plan and inquire about the issuance of medical cards.

Dental ID Cards: Delta Dental will not send new identification cards.  Employees may use the plan in January 2015.  DeltaCare USA will make every effort to send new identification cards by January 2015.  If you have not received your dental cards from DeltaCare USA, please contact the plan directly at (800) 422-4234.

Additional Resources:  For assistance with selecting a health plan, please utilize the CalPERS health plan chooser at: Choosing the Right Health Plan

For additional information on CalPERS health plans, please refer to the CalPERS open enrollment materials (mailed to all employees enrolled in a CalPERS health plan), or visit the CalPERS website at: http://www.calpers.ca.gov[7].

CalPERS Open Enrollment website:  http://www.calpers.ca.gov/index.jsp?bc=/member/health/open-enroll/home.xml&pst=ACT&pca=ST

CalPERS Health Plan Summary

2015 Health Benefits Summary

CalPERS Program Guide

2014 Healtlh Program Guide

CalPERS Health Plan video

CalPERS Health plan Webinar Videos provide additional health plan overview for 2015 at: http://www.calpers.ca.gov/index.jsp?bc=/about/video-web-center/videos/health-benefits/2015-health-plans.xml. "Presenting the 2015 CalPERS Health Plans," will provide employees, and their dependents with information presented by expert representatives from each of the CalPERS health plans. The video will provide participants with 24/7 access, and the materials are available for beginning September 2014. To access, go to CalPERS "Online Services," select "View Videos & Web Events," select "Videos," then "Health Benefits."

If you have additional questions, contact Human Resources, Benefits at: Katie Jackson (510) 885-2549 or katie.jackson@csueastbay.edu.

  • Print This Page
  • Bookmark and Share