Annual Benefits Open Enrollment

The annual benefits Open Enrollment period for CSU employees is September 20, 2021, through October 15, 2021. The effective date for all changes made during Open Enrollment will be January 1, 2022.

During the open enrollment period, eligible employees may:

  • Enroll in or change health or dental plans;
  • Add or remove spouse, domestic partner or eligible dependents to/from health and/or dental plan;
  • Elect or cancel FlexCash. If you have other non-CSU group medical and/or dental coverage, you may elect the FlexCash Plan which pays you cash in lieu of CSU coverage;
  • Elect participation or re-enroll in the Health Care Reimbursement Account (HCRA) or the Dependent Care Reimbursement Account (DCRA). If you are participating in 2021, and want to continue participation in 2022, you must re-enroll during open enrollment.

If you do not intend to make any changes to your health or dental benefits at this time, no action is necessary. However, please note that all employees are subject to health premium rate changes.

SSU Open Enrollment Virtual Fair

In addition to the benefits information for Open Enrollment on CSYou, once again this year a virtual solution will be available for our employees—providing additional access to benefits information during the pandemic. The virtual solution will also host our campus' LIVE Benefits Fair.  At the LIVE event, you’ll be able to video or text chat with providers and Payroll and Benefits team members. There are multiple days and times available this year to meet our employees' scheduling needs.

Wednesday                October 6, 2021                    10:00 a.m. – 12:00 p.m.

Thursday                    October 7, 2021                    1:00 p.m. – 3:00 p.m.

Friday                         October 8, 2021                    10:00 a.m. – 12:00 p.m.

You must register to get access to this website, which will also host our virtual fair. So don’t delay, registration opens on Wednesday, September 8th.

2022 Health Program Highlights

  • CalPERS Health Plan Changes for 2022 - Effective January 2022:
    • Premiums have changed for all plans for 2022. Please review the 2022 Health Care and Insurance Monthly Premium Rate Chart for details.  

    • Blue Shield Access+ is reentering eight Bay Area counties: Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, Sonoma and Solano.

    • Preferred Provider Organization (PPO) Plans: PERS Care, PERS Choice and PERS Select will transition to two plans, PERS Platinum (Care and Choice) and PERS Gold (Select). If you are enrolled in PERS Care and PERS Choice and do not make a change during the Open Enrollment period, you and your enrolled family members will automatically be moved to PERS Platinum. If you are enrollment in PERS Select, and do not make a change during the Open Enrollment period, you and your enrolled family members will automatically be moved to PERS Gold. Due to changes in the PERS Care and PERS Choice PPOs consolidating, the health plan premiums will increase for those employees who were enrolled in PERS Choice.

PLAN NAME
 
CHA​NGES FOR 2022
 
PERS Care Transition to PERS Platinum. Retains the same 90/10 benefit design, and network as PERS Care/PERS Choice
PERS Choice Transition to PERS Platinum. Offers a 90/10 benefit design, and retains the network of PERS Care/PERS Choice.
 
PERS Select Transition to PERS Gold. Retains the same 80/20 benefit design and network as PERS Select

 

  • Beginning September 13, 2021, all employees enrolled in a CalPERS health plan can access their Health Plan Statement by logging into their my|CalPERS account 24/7. The CalPERS Health Plan Statement allows subscribers the opportunity to receive customized employee specific health information in a confidential and secure method, and provides a convenient central location for health plan resources. Employees can view their current monthly premium rates and 2022 monthly premium rates if they do not change health plans for Open Enrollment. The statement will also include specific health benefit changes that may impact them in the upcoming year. If an employee has not created a CalPERS account, they can create one by going to the my|CalPERS login page located at CalPERS and select Participant, Continue, then Register Now.
    • New employees can also review the Open Enrollment materials electronically online by visiting the CalPERS website beginning September 13, 2021.
  • Dependent Care Reimbursement Account (DCRA) and/or Health Care Reimbursement Account (HCRA) permit you to set aside a portion of your pay on a pre-tax basis to reimburse yourself for eligible expenses. If you are currently enrolled in the DCRA and/or HCRA, and wish to continue participation in the plan(s), you are required to re-enroll annually during open enrollment.
    • The 2022 annual maximum contribution for the Health Care Reimbursement Account (HCRA) remains unchanged at $2,750. The HCRA plan offers participants the ability to pay for eligible out-of-pocket medical expenses with pre-tax dollars. The minimum monthly contribution for HCRA is $20 per month ($240 annually), up to a maximum contribution amount of $229.16 per month ($2,750 annually).
    • The 2022 annual maximum contribution for Dependent Care Reimbursement Account (DCRA) remains unchanged at $5,000. The minimum monthly contribution for DCRA is $20 per month ($240 annually), up to a maximum contribution amount of $416.66 per month ($5,000 annually).
    • Flexible Spending Account Debit Card for HCRA Enrollees - All first time HCRA participants will receive a set of two ASIFlex Cards, which can be used to pay for qualifying expenses at no cost to the employee. There is no longer a need for employees to request an ASIFlex Card. Employees who currently have a valid ASIFlex Card may continue to use their current ASIFlex Card until it expires. The “ASIFlex Visa Card” issued by ASIFlex, allows HCRA enrollees to pay for out-of-pocket medical expenses (i.e., health, dental, vision, etc.) as payment at Health Care Providers and at certain retail locations that have implemented an Inventory Control System, per IRS regulations.
    • FSA claim payments are issued daily. Claims can be filed online at the ASIFlex website, through the ASIFlex Mobile Application, by fax or mail.
  • CSU Dental Program - Dental premiums will continue to be fully paid by the CSU for the 2022 plan year.
    • Dental Plan Enhancements - As a reminder, the following enhancements were offered effective January 1, 2019, to employees and their dependents enrolled in the PPO Plans (excludes Premier network and out of network providers):
      • Diagnostic and Preventative Maximum Waiver: Diagnostic and preventative services (i.e. cleanings and exams) no longer count toward the benefit annual maximum.
      • SmileWay Wellness Benefit: Enhanced coverage has been added for enrollees with gum disease associated with a number of diagnosed systemic conditions (diabetes, heart disease, HIV/AIDS, rheumatoid arthritis or stroke). This enhanced coverage includes 100% coverage for one periodontal scaling and root planing and 100% coverage for four (any combination of) cleanings or periodontal maintenance. Employees must self identify on Delta Dental's site to enroll. Employees may also sign up by phone at (888) 335-8227 to speak to a Customer Service representative Monday through Friday; 8:00 a.m. to 8:00 p.m. PST.
      • Value-Added Features from Delta Dental gives employees access to hearing aid discounts offered through Amplifon-Hearing Health Care and LASIK services that has preferred pricing on LASIK eye surgery offered through QualSight. For additional details and how to enroll, please visit:
  • Vision Plan - The CSU provides basic vision insurance automatically for eligible employees and their family members at no cost. The monthly premiums for the basic vision plan will continue to be fully paid by the CSU for the 2022 plan year.
    • Employees will again have the option to purchase VSP Premier coverage, an enhancement to the basic vision insurance plan. the VSP Premier plan offers a higher level of benefits for lenses, contacts and frames. VSP offers a large network of contracting providers including both optometrists and ophthalmologists to choose from when vision care is needed. Both VSP plan options utilize the VSP network of providers, however, out-of-pocket costs associated with the plan options will vary. Employees should use the VSP Vision Benefits Summary to determine which plan suits their vision needs. Employees who choose to enroll in the new Premier Vision Plan, may enroll directly with VSP through the VSP website or by calling (800) 400-4569. If an employee chooses to enroll in the Premier plan, any dependents that need to be covered must also be upgraded to the Premier Plan coverage. Employees cannot enroll in both the Basic and Premier coverage at the same time.
      • Highlights of the CSU sponsored vision plan can be reviewed by visiting CSYou or by visiting VSP or by calling (800) 400-4569. Please refer to the vision plan's Evidence of Coverage (EOC) booklet for a complete explanation of the benefits covered, as well as limitations and exclusions that apply.
  • Voluntary Benefits - The following voluntary benefits are offered through payroll deductions:
Voluntary Benefits
Plan Vendor
Auto and Home Insurance 1-866-680-5142 California Casualty
MetLaw Legal Plan 1-800-438-6388 Hyatt Legal Plan, Inc.
Voluntary Accidental Death & Dismemberment Insurance 1-800-378-5745 The Standard
Voluntary Life Insurance 1-800-378-5745 The Standard
Voluntary Long Term Disability 1-800-378-5745 The Standard
Critical Illness Insurance 1-800-378-5745 The Standard
Accident Insurance 1-800-378-5745 The Standard
SRP Program 1-800-343-0860 Fidelity Investments
Pet Insurance Nationwide

 

  • Additional information regarding these voluntary benefit plans and how to enroll can be found on the CSU Systemwide Benefits Portal. Please note that all of the above voluntary benefit plans, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year. Rates for The Standard Voluntary plans are listed in the 2022 Voluntary Standard Rates sheet.
  • California Casualty provides employees auto and home/renters insurance with great rates, exceptional service and impressive benefits not available to the general public: $0 deductible for vandalism or collision to your car parked on campus or at a university-sponsored event, $500 personal property coverage for items taken from your vehicle, and sabbatical return benefits. Employees can enroll at any time. Explore your options and get a policy comparison by calling (866) 680-5142.
  • MetLaw Legal Plan - This is your annual opportunity to enroll in the MetLaw Legal Plan for a low monthly premium. The monthly premium rate of $21.70 will remain the same for the 2022 plan year. 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. Employees that do not enroll in the plan during open enrollment, will not have another opportunity to enroll in the plan until next year’s open enrollment period.
  • Critical Illness Insurance - Group Critical Illness Insurance is offered through The Standard, which provides a lump-sum payment to cover out-of-pocket medical expenses and costs associated with life changes following the diagnosis of a covered critical illness. In addition, there are cash benefits for specified health screenings. Employees and their spouse/registered domestic partner must be between the ages of 18-64 and enrolled in a health insurance plan to participate in this plan. Employees can learn more about this benefit or enroll by checking out the website above or calling (800) 378-5745. Rates for Critical Illness Insurance are listed in the Critical Illness Insurance and Accident Insurance premium rates for 2022.
  • Accident Insurance - This insurance provides financial support to employees recovering from a qualified accident. This insurance, provided by The Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more. Employees can learn more about this benefit or enroll by calling (800) 378-5745. Rates for Accident Insurance are listed in the Critical Illness Insurance and Accident Insurance premium rates for 2022.
  • Pet Insurance - Nationwide will no longer be offering the 90% reimbursement option starting October 1, 2021, for all new business. All current enrolled employees with the 90% reimbursement option will be grandfathered in going forward and will not see a change in their plan unless one is requested.  For more information visit www.petinsurance.com/calstate, or call (877) 738-7874. There is no network so employees can select a veterinarian of their choice. Monthly premium are based on the type of animal covered and the state of residence. Enrollment is handled exclusively through Nationwide.
  • CSU Retiree Internet Website - During Open Enrollment and throughout the year, CSU retirees can access health, dental, and vision information online. CSU Retirees with questions regarding health or dental eligibility and access to my|CalPERS should contact CalPERS directly at (888) 225-7377.
    • Eligible CSU retirees have the option to enroll in the VSP Premier Vision Service Plan, an enhancement to the Basic VSP Plan during the Open Enrollment period at an additional cost. For additional information, retirees should contact VSP at (800) 400-4569.
    • Eligible CSU retirees may enroll in one of two voluntary dental enhanced plans for an additional cost:
      • Delta Dental PPO Voluntary Enhanced II
      • DeltaCare USA Voluntary Enhanced
      During Open Enrollment, current retirees may choose between the Basic Plan (at no cost) and the Enhanced Plan. For an additional monthly fee, you can enroll in the same Enhanced Plan you had as a California State University active employee. To enroll in the Enhanced Plan, complete the CSU Retiree Dental Change/Enrollment Form and fax or mail to CalPERS. To be processed, this form must be faxed or postmarked no later than October 15, 2021.

To make an Open Enrollment change, please:

  • Complete the Benefit Enrollment/Change Worksheet. All forms are due in the Payroll and Benefits Office by Friday, October 15, 2021
  • Your benefits will not change until January 1, 2022

Important Links

If there is a discrepancy between this information and the official plan documents and contracts, the official documents will always govern.