2011 Annual Benefits Open Enrollment

Open Enrollment has ended

The official annual open enrollment period for health, dental and various CSU voluntary benefits programs is being held October 10, 2011, through November 4, 2011. The effective date for all changes made during open enrollment will be January 1, 2012. Please carefully review all benefits changes for you and your family members. Open Enrollment is your annual opportunity to consider your health and other benefits. This website offers information and tools to help you decide which plans are best for you and your family.

Eligible employees will have until 4:00 pm Friday, November 4, 2011 to submit their open enrollment forms to Human Resources and Equal Opportunity located in Craven Hall 1200.

Open Enrollment Plan Information

 Medical Plans
State Premium Assistance Program (CHIPRA)
Dental Plans
Dependent Care Reimbursement Account/Health Care Reimbursement Account
FlexCash Plan
CSU Voluntary Benefits Plans
Medical Plans

The following health plans will be offered in 2012. Click on the health plan name to obtain a copy of the evidence of coverage booklet.

Plan Name Plan Type Medical Search Provider
Blue Shield Access+ HMO HMO Find a Provider
Blue Shield NetValue HMO HMO Find a Provider
Kaiser Permanente HMO Find a Provider
PERS Care PPO Find a Provider
PERS Choice PPO Find a Provider
PERS Select PPO Find a Provider
Peace Officers Research Association of California (PORAC), an Association plan.
Currently, only Unit 8, Statewide University Police Association (SUPA)
employees are eligible to enroll in the PORAC health plan		 PPO Find a Provider


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 2012. 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 2012 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 PPO Find a Provider
DeltaCare USA HMO Find a Provider
Dependent Care and Health Care Reimbursement Account Plans (DCRA/HCRA)

The deadline to enroll in the DCRA and/or HCRA plans for this annual open enrollment period is November 4, 2011. The minimum monthly contribution for each plan is $20 per month ($240 annually), up to a maximum contribution amount of $416.66 ($5,000 annually). As a reminder, employees who wish to continue participation in the DCRA and/or HCRA plan(s) must re-enroll annually during open enrollment.

New Flexible Spending Debit Card for HCRA Enrollees

The CSU is pleased to announce the implementation of a Flexible Spending Plan (FSA) debit card to HCRA enrollees, beginning in the 2012 plan year. The optional “FSA Benny Card” issued by ASIFlex, allows HCRA enrollees to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) 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 HREO website.

Please review the HCRA/DCRA plan documents for more information:

FlexCash

There is no change to the FlexCash plan for the 2012 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. For those employees who plan to enroll or make changes to their existing enrollment, open enrollment documents for FlexCash must be signed by the employee and submitted to the Benefits Office by November 4, 2011.

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: www.calstate.edu/hr/benefitsportal/

Plan Vendor
Auto and Home Insurance California Casualty
Criticall 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 the 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 at: http://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. MetLaw, enrollment and/or cancellation can only be requested during designated open enrollment periods.

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 at: http://www.calcas.com or call (866) 680-5143.

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. During the CSU annual open enrollment period, October 10, 2011, through November 4, 2011, all CSU eligible employees will be provided a final opportunity to enroll in the AFLAC Critical Illness Plan with Guaranteed Issue – no health questions asked. Guaranteed Issue is available up to $20,000 for employee coverage and up to $10,000 for spouse/domestic partner coverage. To learn more about AFLAC Group Critical Illness or to enroll please visit www.aflac.com/csu 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. Effective January 1, 2012, the Voluntary Life Insurance rates will decrease by an overall average of 15 percent. 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 at: http://www.standard.com/mybenefits/csu/index.html

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 at: http://www.standard.com/mybenefits/csu/index.html

MetLaw Legal Plan:

For a 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 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 October 10, 2011, through November 4, 2011. Employees that do not enroll or cancel their current enrollment in the plan during open enrollment will not have another opportunity to enroll or cancel enrollment in the plan until 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 at www.metlife.com/mybenefits. If you are currently enrolled in the MetLaw Legal Plan, enrollment will continue automatically into the next plan year.







Open Enrollment Forms

Planning Tools

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