2013 Annual Benefits Open Enrollment

The official annual open enrollment period for CalPERS health, CSU dental, Dependent Care Reimbursement Account (DCRA), Health Care Reimbursement Account (HCRA), FlexCash, Tax Advantage Premium (TAPP), and CSU Voluntary Benefits plans is being held September 16, 2013, through October 11, 2013. The effective date for all changes made during open enrollment will be January 1, 2014.

Eligible employees will have until 4:00 pm Friday, October 11, 2013 to submit their open enrollment forms to Human Resources and Equal Opportunity located in Craven Hall 1200.

Medical Plans

Please see the Open Enrollment Newsletter for a list of health plan options and benefit changes in 2014.

Use the links below to learn more about the university's medical plans.

Health Plan Eligibility and Service Area

Active employees or working CalPERS retirees may enroll in a health plan using either a residential or work zip code. A P.O. Box cannot be used to establish eligibility, but may be used for mailing purposes. If a residential zip code is used for eligibility, all enrolled dependents must live in the plan’s service area. If a work zip code is used for eligibility because the member’s home is not within a service area, all enrolled dependents must select providers and receive all covered services (except emergency and urgent care) within the health plan’s services area in which the member is enrolled, even if they do not live in that service area.

Dental Plans

The following dental plans will be offered in 2014. There will be no changes to coverage levels and plan benefits for the Delta Dental PPO and DeltaCare USA dental plans. Please review the CSU 2014 Dental Plan Summary and Comparison Chart for a summary and comparison of the Delta Dental PPO and Delta Care USA plan. Unit 8 employees are covered under the Basic Dental Plan; all other employee categories are covered under the Enhanced Dental Plan.

Plan Name Plan Type Dental Provider Search
Delta Dental PPO - Plan PPO Delta Dental PPO - Providers
DeltaCare USA - Plan HMO DeltaCare USA - Providers
Vision Plan

For 2014 plan year the employered sponsored vision plan administered by Vision Service Provider (VSP) will remain the same. There will be no changes to coverage levels and plan benefits. Please review the VSP summary for additional information regarding the VSP plan.

Dependent Care Reimbursement Account (DCRA)/Health Care Reimbursement Account (HCRA)

For 2014 there are no changes to the DCRA/HCRA Plans. The minimum monthly contribution for HCRA is $20 per month ($240 annually), up to a maximum contribution amount of $208.33 per month ($2,500 annually). 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). The deadline to enroll in the Health Care and/or Dependent Care Reimbursement Account (HCRA/DCRA) plans for this annual open enrollment period is Friday, October 11, 2013 for an effective date of January 1, 2014.

Flexible Spending Debit Card for HCRA Enrollees

As a reminder, the Flexible Spending Plan (FSA) debit card for HCRA enrollees is available in the 2014 plan year. The optional “FSA Benny Card” issued by ASIFlex, allows HCRA enrollees to pay for out-of-pocket eligible medical expenses when issued as payment at Health Care Providers and at certain retail locations that have implemented an Inventory Control System, per IRS regulations. There is a small, monthly administrative fee applicable to enrollees that choose the FSA debit card. For additional information regarding the "FSA Benny Card" please visit the CSU Benefits Portal.

FlexCash

There is no change to the FlexCash plan for the 2014 plan year. The benefit levels for FlexCash remain $128.00 per month for cash in lieu of medical coverage and $12.00 per month for cash in lieu of dental coverage; $140.00 per month for both. FlexCash is available to all CSU employees eligible for medical and dental coverage if they have other, non-CSU coverage. Employees planning to remain in FlexCash are not required to complete enrollment forms during open enrollment. Employees who plan to enroll or make changes to their existing enrollment must submit a completed HREO Benefits Worksheet and a FlexCash Enrollment Authorization Form to HREO by Friday, October 11, 2013.

Please review the FlexCash plan documents for more information:

CSU Voluntary Benefits Plans

The Voluntary Benefits Plans listed below are available to eligible CSU employees. Please visit the CSU benefits portal to review employee eligibility requirements under each plan.

Plan Vendor
Auto and Home Insurance California Casualty
Critical Illness Plan AFLAC
Accidental Death & Dismemberment Insurance The Standard
Voluntary Life Insurance The Standard
Voluntary Long Term Disability The Standard
MetLaw Legal Plan Hyatt Legal Plan Inc.


Employees must coordinate directly with each plan vendor for questions and/or enrollment into these voluntary plan(s). Additional information regarding these voluntary benefit plans can be found on the CSU Systemwide Benefits Portal. Please note that all of the voluntary benefits plans, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year.

Auto and Home Insurance:

The Auto and Home Insurance plan offered by California Casualty, allows CSU eligible employees to obtain auto and home insurance policies at a discounted rate. The plan also has an identity theft component known as ID Defense. All policies are written for a 12-month period. Eligible employees can enroll in this benefit at any time during employment. To learn more about California Casualty Auto and Home Insurance or to enroll, please visit the California Casualty website or call (866) 680-5142.

AFLAC Group Critical Illness:

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. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements. Visit the website to enroll or learn more about AFLAC Group Critical Illness or call (877) 801-7931.

Voluntary Life Insurance:

The Standard offers CSU eligible employees the opportunity to purchase Voluntary Life Insurance at a competitive group rate. This plan does not have a formal open enrollment period. Eligible employees can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements. To view rates or to enroll, please visit The Standard website.

Voluntary Long Term Disability:

The Voluntary Long Term Disability Plan 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 can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements. To view rates or to enroll, please visit The Standard website.

MetLaw Legal Plan:

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 unlimited number of matters, even if the matter is not fully covered, so long as it is not excluded. The annual open enrollment period for the MetLaw Legal Plan will be held September 16, 2013, through October 11, 2013. Employees that do not enroll or cancel their current enrollment in the plan during open enrollment will not have an opportunity to do so until the next designated open enrollment period. To enroll or cancel enrollment or for questions about the plans limitations and exclusion please call MetLaw at (800) 438-6388 or visit the MetLaw website. Employees currently enrolled in the MetLaw Legal Plan will automatically continue enrollment into the next plan year.