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Medical Plans
CalPERS Health Carrier Information
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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.
- Anthem Blue Cross Select
- Anthem Blue Cross Traditional
- Blue Shield Access +
- Blue Shield Trio (Restricted to Certain Counties)
- Health Net Salud Y Mas
- Kaiser Permanente
- Sharp Performance Plus (Restricted to San Diego County)
- UnitedHealthcare Signature Alliance
- UnitedHealthcare Signature Harmony
- Western Health Advantage
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".
- PERS Platinum(2025 Plan Administrator Change)
- PERS GoldCalifornia Only(2025 Plan Administrator Change)
- Peace Offices Research Assoc of CA (PORAC) (Restricted to Unit 8)