document iconmyCSUSM
cougar courses logoCOUGAR COURSES
email iconEMAIL
email iconMS OFFICE APPS
password iconPASSWORD
MANAGEMENT
Your  Account:
document iconmyCSUSM
cougar courses logoCOUGAR COURSES
email iconEMAIL
office iconMS OFFICE APPS
password iconPASSWORD
MANAGEMENT
Human Resources

Medical Plans

Choosing a Health Plan
Health Plan Rates
Health Program Guide
Benefit Summary Booklet

 

CalPERS Health Carrier Information

CalPERS Health Plan Search by Zip Code 
Summary of Benefits & Coverage Notice

2027 Plan Changes
  • Effective January 1, 2027, CalPERS Basic UnitedHealthcare Signature Alliance and Signature Harmony plans will not be available.
  • If a plan change is not requested during Open ENrollment, CalPERS UnitedHealthcare plan members will automatically transfer to an assigned default plan, based on residential zip code.  
  • CalPERS Administrative Transfer Plan Listing
  • No action is required during Open Enrollment if you wish to be enrolled in your assigned default plan.

For additional information visit: CalPERS Basic UnitedHealthcare Removal 2027

HMO Plans

An HMO (Health Maintenance Organization) is a plan that provides healthcare from specific doctors and hospitals under contract with the plan. While you pay co-payments for some services, you have no deductibles, have an assigned Primary Care Physician (PCP), and a California geographically restricted service area.  The PCP manages all your care, including referrals to a specialist.  If you go outside of the HMO without a referral from the plan, you'll be responsible for the total cost of services, except for emergencies or urgent care services.

Show All

PPO Plans

A PPO plan gives the patient freedom of choice, allowing to see a provider of choice without referrals. With PPO plans, you typically meet an annual deductible before some benefits apply. You are responsible for a certain co-insurance amount and the plan pays the balance up to the allowable amount.  If the provider is "in-network", the plan will pay more, than if the provider is "out-of-network".

Show All