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Open Enrollment for 2020

September 9, 2019 - October 4, 2019

This year the Open Enrollment period is from September 9th, through October 4th. The Annual Open Enrollment period provides an opportunity for employees to make changes to their health plans. It is your once-a-year opportunity to review new offerings and make additions, changes or deletions to your health plans for the coming year.

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 must re-enroll in the plan for next year as this plan requires an annual enrollment. If you are not a current HCRA/DCRA participant, and wish to enroll, you may do so during Open Enrollment.

In addition, open enrollment provides the opportunity to explore voluntary plan options such as 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.

For additional information, please review the Open Enrollment Guidebook for 2020. The Office of Human Resources Benefits staff will also be available to meet individually for questions and assistance.

IMPORTANT REMINDERS REGARDING YOUR ENROLLMENT:

  • Health Premium Rates: 2020 Health Premium Rates
  • Review all plan information regarding CSU Benefit plans and Open Enrollment.
  • Open Enrollment changes, such as health, dental and HCRA/DCRA are submitted through MyHR.
  • Voluntary benefit plan enrollments, such as MetLife Legal plan and The Standard, are processed through the specific provider’s website.
  • All changes made during Open Enrollment will be effective on January 1, 2020.
  • Carefully review your January 1, 2020 pay warrant to ensure your open enrollment changes are reflected.
  • Contact Human Resources regarding any discrepancies immediately.
  • 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.

What’s New for 2020 Open Enrollment?

Health Plan Change Highlights for 2020

  • Health Net not available in Sacramento for 2020.
  • New Health Plan: Blue Shield Trio: Available in El Dorado, Los Angeles, Nevada, Placer, Sacramento and Yolo counties.
  • New: Introducing Pet Insurance: CSU will be offering pet insurance through Nationwide for dogs, cats, small mammals and eligible exotic animals. 
  • New: Anthem will inroduce an HMO Medicare Advantage plan for combination enrollment members in Monterey County.
  • CSU has contracted with The Standard to offer Critical Illness and Accident Insurance.
    • ​​​A special enrollment period will be held in early 2020.  Current AFLAC participants may stay with AFLAC via direct pay or transfer to the new coverage with The Standard in 2020.
County Contractions
  • Blue Shield Access+ not available in (8) Bay Area Counties:  Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, Solano, and Sonoma.  

Healthcare Reimbursement Account: NEW -The Health Care Reimbursement Account (HCRA) contribution has
increased to $2,700 for 2020. The monthly maximum is $225.00.

FlexCash

There are no changes to the FlexCash plan for the 2020 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 group coverage and decline CSU medical and dental coverage. For more information please refer to the FlexCash brochure.

Dental Plan Information

There are no changes to the CSU Dental plan for the 2020 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, 2020. 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:

Vision Plan Information:

The CSU will continue to provide basic vision insurance automatically to eligible employees and their families at no cost to the employee. Employees have the option to purchase the VSP Premier Plan, an enhancement to the basic vision insurance plan. This plan offers a higher level of benefits for lenses, contacts and frames each calendar year. The VSP Benefits Summary provides information on the new VSP Premier Plan. To enroll, call VSP at 800-400-4569 or visit CSU Activities.

Voluntary Plan Information

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 MyHR portal. Employees must log onto the voluntary plan website or call the plan directly to enroll.

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 Visa Card for HCRA Enrollees

As a reminder, employees may enroll in the Flexible Spending Plan debit card (FSA Visa Card) for HCRA participants during Open Enrollment. Participation in the FSA Visa Card program is optional. The FSA Visa 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 FSA Visa Card the Health Care Provider or retail location must be a participating provider.

The monthly administrative fee to enroll in the FSA Visa Card is $12 per year ($1 per month). The FSA Visa 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 2020. Employees should submit the application during open enrollment and receive their FSA Visa Card in December 2019. If you have not received your FSA Visa Card by January 2020, 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 2020 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 this plan. For more information please refer to the TAPP summary.

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.

 

The Standard Insurance

  • CSU has contracted with The Standard to offer Critical Illness and Accident Insurance.
    • ​​​A special enrollment period will be held in early 2020.  Current AFLAC participants may stay with AFLAC via direct pay or transfer to the new coverage with The Standard in 2020.

For information or to enroll, please visit The Standard website or call (800)378-5745

California 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 or call (866) 680-5142.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.

CSU Open Enrollment Website

For additional information, please review the CSU Open Enrollment website at Open Enrollment.

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