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.
Healthcare Reimbursement Account: NEW -The Health Care Reimbursement Account (HCRA) contribution has
increased to $2,700 for 2020. The monthly maximum is $225.00.
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.
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:
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.
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.
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:
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.
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.
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.
For information or to enroll, please visit The Standard website or call (800)378-5745
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.
For additional information, please review the CSU Open Enrollment website at Open Enrollment.