Open Enrollment 2017
September 12, 2016 - October 7, 2016
This year the Open Enrollment period is from September 12th, through October 7th. 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.
Changes you can make 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 enroll or 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. Please note that enrollment in the HCRA/DCRA plans require an annual enrollment. You must re-enroll every year during Open Enrollment to continue the plans. If you do not re-enroll on an annual basis, the deductions will discontinue. 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.
The Office of Human Resources - Benefits staff will be available to meet individually for questions and assistance in making your open enrollment changes.To make your changes:
- Review your choices including the new HMO health plans and rates: 2017 Health Premium Rates
- Talk to HR - Benefits Staff
- Ask colleagues for recommendations
- Attend the Benefits Fair on September 28, 2016 to speak with plan providers
- Visit the CSYou website Open Enrollment webpage for links to resources and additional information
- If you wish to make changes during Open Enrollment, log onto MyCSUEB, select the Open Enrollment option and make your selections
Remember: All changes made during Open Enrollment will be effective on January 1, 2017. Carefully review your January 1st pay warrant to ensure your open enrollment changes are reflected. 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 INFORMATION REGARDING YOUR ENROLLMENT: 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 2017 Open Enrollment?
Highlights of CalPERS health benefit changes for 2017 are listed below. Please refer to the health plan's 2017 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 2017:
- Blue Shield NetValue (HMO) is no longer being offered. Employees currently enrolled will be moved to Blue Shield Access+ for 2017 unless an alternate plan is selected during Open Enrollment.
- Kaiser and United Heathcare are expanding into additional Counties.
- Optum Rx will be the new pharmacy benefits manager for all of CalPERS' health plans, except Kaiser and Blue Shield.
Please note: Health premiums for 2017 have increased for some CalPERS health plans.
Please review the 2017 health rates carefully.2017 Health Premium Rates: 2017 Health Premium Rates
CalPERS Medical Plan Information
PERSCare (PPO), PERSChoice (PPO) and PERS Select (PPO) phone: 877-737-7776
(Anthem administers the PPO plans)
2017 PersChoice Evidence of Coverage
There are no changes to the CSU Dental plan for the 2016 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, 2016. 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:
There are no changes to the VSP vision plan for the 2016 plan year. Please refer to the vision plan summary or VSP plan summary and Evidence of Coverage.
- VSP Plan Summary
There are no changes to the FlexCash plan for the 2016 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.
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 $2,550 annually.
The minimum monthly contribution for Health Care Reimbursement Account (HCRA) is $20 per month ($240 annually), up to a maximum contribution amount of $212.50 per month ($2,550 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 2016. Employees should submit the application during open enrollment and receive their Benny Card in December 2016. If you have not received your Benny Card by January 2017, 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 2016 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 $21.70, 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.
To enroll, please visit the MetLaw Hyatt Legal plan website at: www.metlife.com/mybenefits or call (800)438-6388.
Guarantee Issue Opportunity during this Open Enrollment Period
AFLAC and The Standard Insurance
Aflac Critical Care Illness Insurance will afford employees with the opportunity to enroll or increase Group Critical Illness with coverage up to $20,000 for employee only, and $10,000 of coverage for their spouse/domestic partner without providing Evidence of Insurability.
The Standard Insurance will allow employees the opportunity to enroll or increase Voluntary Supplemental Life Insurance up to $100,000 (for employee only) of coverage without providing Evidence of Insurability. However, prior declined employees will need to provide satisfactory Evidence of Insurability.
For more information or to enroll, please visit The Standard website at www.standard.com/mybenefits/csu or call (800)378-5745California 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 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.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 12, 2016. All Open Enrollment benefit changes must be submitted no later than Friday, October 14, 2016.
Be sure to review your December paycheck (with an issue date of January 1, 2017) to verify your Open Enrollment changes. Please contact Human Resources regarding discrepancies.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.
CalPERS Open Enrollment website: https://www.calpers.ca.gov/page/active-members/health-benefits/eligibility-and-enrollment/open-enrollment
CalPERS Health Plan Summary
CalPERS Program Guide
CSU Open Enrollment Website
For additional information, please review the CSU Open Enrollment website http://csyou.calstate.edu/openenrollment
If you have additional questions, contact Human Resources, Benefits Team: Josie Robles (510) 885-7503 or Alicia Dixon (510) 885-2549.