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Open Enrollment
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​Open Enrollment is now closed​.

​Every year the CSU reviews the benefit plans offered to retirees and their eligible dependents. We continue to work to provide benefits that not only meet the long-term institutional obligations of the CSU plans, but also encourages a sustainable option for covered members.

This is the time of year to re-evaluate your existing benefits elections, discover the benefit plans that are best for you and your family, and make changes that best fit your needs. Plan changes will be effective as of January 1, 2025.

Actions You Can Take During Open Enrollment:

  • Enroll in a plan
  • Change from one plan to another
  • Add or delete eligible family members
  • Cancel coverage

Review your health plan to understand changes for 2025. 
If no enrollment changes are made to the health*, dental or vision plans, coverage will remain the same in 2025.

Questions?

For health or dental eligibility, contact CalPERS at 888-225-7377.
For vision plan questions, contact Vision Service Plan (VSP) at 800-400-4569.

What's New for 2025?

Health Plan Rate Changes

Effective January 1, 2025, rates for most health plans will change.

PERS Gold and PERS Platinum

Effective January 1, 2025, Blue Shield of California will be the new administrator for all PPO plans. For members currently in a basic plan, they are partnering with Included Health to provide member services, including answering inquiries, guiding members to the most appropriate in-network and high-quality providers, and providing care coordination services for members, particularly those with complex health conditions. Included Health will also expand access to care through their supplemental virtual primary care and behavioral health care services. There are no changes to copays, coinsurance, or deductibles with the transition to Blue Shield.

Health Plan Expansions

  • Blue Shield Trio will expand to Contra Costa county and select zip codes in Shasta county.
  • Health Net Salud y Más will expand into Imperial county.
  • Kaiser Permanente will expand into select zip codes of Monterey county.
  • UnitedHealthcare Harmony will expand into Napa county and select zip codes in Contra Costa and Solano counties.

Health Plan Exits

The Anthem Blue Cross Del Norte EPO plan will no longer be offered. Members that do not elect a health plan change will be automatically enrolled in Blue Shield Access+, effective January 1, 2025.

Health Benefit Design Changes

  • Doula Benefit for all Pregnant and Postpartum Members - New benefit for all pregnant and postpartum Basic plan members to receive health education, advocacy, physical and emotional nonmedical support before, during and after pregnancy, miscarriage, stillbirth and abortions
  • Travel Benefit for Medically Necessary Care - Update to standardize travel and lodging coverage for eligible medically necessary services including, but not limited to abortion services, gender affirming care, complex surgeries, and cancer care that cannot be accessed within 50 miles from the member’s residence for all Basic and Medicare plan members, up to $5,000 per occurrence. This includes transportation, lodging and meals for the member and a companion (both parents/guardians when patient is under 18).
  • For PORAC health plan only – Combine acupuncture and chiropractic visits to a 20-visit limit. Physical and occupational therapy have no visit limitations.
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​Benefits Plans for 2025

CalPERS is your Health Benefits Officer and administers health insurance coverage for CSU re​tirees. You may change your health plan online during Open Enrollment by logging onto my|CalPERS and following the instructions.

You may also call CalPERS at 888-225-7377 to make changes. Complete the CalPERS Health Enrollment Retirees (PDF) form before calling.

State Employer Contribution Amounts

The state pays a portion of your health insurance premium. You must pay the difference between the state contribution amount and the premium for the health plan in which you’re enrolled.

Your plan’s monthly premium – what’s paid by the CSU = your monthly cost

The state employer contribution amounts for 2025 are:

Coverage Level
What’s Paid by CSU Monthly
Retiree Only$1,060
Retiree + One
$2,039
Retiree + Two or More$2,551​

Find your plan’s monthly premium on the CSU Retiree Rate Sheet​.

Additional CalPERS health plan information can be found here:
2025 In State Health Plan Rates​
2025 Out of State Health Plan Rates​​

CalPERS maintains the dental benefit enrollment records for all eligible CSU retirees and processes retirees' dental enrollments.

Voluntary Dental Enhance​d Plans:

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You can now choose between the Basic Plans (Delta Dental PPO Basic, DeltaCare USA Basic) (at no cost) and the Enhanced Plans (Delta Dental PPO Voluntary Enhanced II, Delta Care USA Voluntary Enhanced). For an additional monthly fee, you can enroll in the same Enhanced Plan you had as a California State University active employee. If you want to keep the same type of plan (Delta Dental PPO vs DeltaCare USA) but want to enroll in the enhanced coverage, make sure to select the correct enhanced plan (see the chart below). If you are uncertain which plan you are currently enrolled in (Delta Dental PPO Basic or DeltaCare USA Basic), contact Delta Dental or CalPERS (contact information is below). You may also choose to enroll in Basic coverage if you are currently enrolled in Enhanced coverage during open enrollment. Keep in mind, you and your dependents must be enrolled in the same type and level of coverage.​

​ ​ ​ ​
Current Basic Plans
​​​​To​
New Enhanced Plans
Delta Dental PPO Basic​​​→​Delta Dental PPO Voluntary Enhanced II
DeltaCare USA Basic
​→​
​DeltaCare USA Voluntary Enhanced

  • Compare the dental plans for CSU retirees: Retiree Dental Comparison ​Charts (PDF)​​

  • To enroll in the Enhanced Plan, Basic Plan, or make other changes​​, complete the CSU Retiree Dental Change/E​nrollment Form and fax or mail to CalPERS.

    • For more information about the plans or your current coverage, visit Delta Dental’s website at Delta Dental​​ or call Customer Service at 800-626-3108 for Delta Dental PPO and 844-519-8751 for DeltaCare USA.

    If you have questions regarding your enrollment or eligibility, contact CalPERS, Member Account Management Division at 888-225-7377 or visit CalPERS.

FAX THIS FORM TO: (800) 959-6545, or
MAIL THIS FORM TO:
CalPERS – Health Account Management Division
P.O. Box 942715 - Sacramento, CA 94229-2715
To be processed, this form must be faxed or received by CalPERS no later than October 11, 2024.

To keep your current Plan, no action is required. You and all your eligible dependents will be enrolled in the same plan.

CSU Retiree Enhanced Dental Rates
for Plan Year 2025
Dental Plan Name​​

 Gross Premium Employer Share Retiree Cost
Delta Dental PPO Voluntary Enhanced II​
​Retiree Only
Retiree + One
Retiree + Family
$46.15
$86.82
$169.33		$30.45
$57.52
$115.49		$15.70
$29.30
$53.84
DeltaCare USA Voluntary Enhanced​Retiree Only
Retiree + One
Retiree + Family

$25.34
$41.63
$61.42		$18.85
$31.08
$45.97		$6.49
$10.55
$15.45

The CSU pays 100 percent of the monthly premium cost for the Basic Plan dental coverage for all retirees and their eligible dependents, which includes a spouse or registered domestic partner and/or children up to age 26.​

Delta Dental PPO Plan Enhancements Reminder

Diagnostic and Preventive (D&P) Waiver for the Delta Dental PPO Basic Plan​ ​
When you visit a PPO dentist, your diagnostic and preventive services (like cleanings and exams) will not count against your annual maximum. No action necessary to receive this benefit.

Example Delta Dental Pays You Pay Your remaining maximum
Without D&P Maximum Waiver$300.00$100.00$1,200.00
With D&P Maximum Waiver$300.00$100.00 $1,500.00


Diagnostic and Preventive (D&P) Waiver for the Delta Dental PPO Voluntary Enhanced Plan
When you visit a PPO dentist, your diagnostic and preventive services (like cleanings and exams) will not count against your annual maximum​. No action necessary to receive this benefit.​

Example Delta Dental Pays You Pay Your remaining maximum
Without D&P Waiver$350.00$100.00$1,650.00
With D&P Waiver$350.00$100.00 $2,000.00

More information: Diagnostic-Preventive Waiver for Retirees (PDF)

SmileWay Wellness Benefit
The SmileWay Wellness Benefit offers enhanced coverage for retirees who qualify as “higher risk” (meaning those with a diagnosed medical condition such as amyotrophic lateral sclerosis (ALS), cancer, chronic kidney disease, diabetes, heart disease, HIV/AIDS, Huntington’s disease, joint replacement, lupus, opioid misuse and addiction, Parkinson’s disease, rheumatoid arthritis, Sjogren’s syndrome or stroke)​.

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Expanded coverage includes one periodontal scaling and root planning procedure per quadrant of the mouth, per calendar year, covered at 100 percent. Also included is four (4) of any combination of yearly cleanings or periodontal maintenance. To use this benefit, retirees must opt in by calling Delta Dental at 800-626-3108

More information: SmileWay Wellness Benefits for Retirees (PDF)

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The CSU and Vision Service Plan (VSP) offer you a choice of two vision plans: Basic or Premier. The VSP Premier plan offers a higher level of benefits for lenses, contacts and frames.

Use the 2025 VSP Retiree Benefit ​Summary (PDF) to determine which plan best suits your vision needs.

Monthly Vision Costs
The cost is deducted directly from your state retirement warrant. If you don’t have enough in your warrant to cover the cost, you will be billed directly by VSP.

 Basic PlanPremier Plan
Retiree Only
$5.10
$14.80
Retiree + One$9.31
$27.63
Retiree + Family$9.98
$29.64

There are two ways to enroll:

  • Complete the online enrollment form on the VSP website.
  • Call VSP at 800-877-7195​ and speak to a representative.

Legal troubles can happen to anyone. ARAG legal coverage is paid directly to the vendor at a monthly rate of $16.95. ARAG offers you access to local network attorneys who can help you address life’s legal situations. Plus, network attorney fees are 100% paid in full for most covered matters. ARAG legal plan coverage can only be enrolled in during Open Enrollment.

CSU Retirees have 60 days to enroll becoming effective the first of the month following date of separation. Retirees can enroll in the ARAG legal plan during the CSU annual open enrollment period.

To enroll or learn more about this plan, please review this flyer​ or visit, ARAG.

View more information on the ARAG At A Glance Flyer.

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CSU retirees are able to enroll, change or cancel the above benefits during Open Enrollment for plan year 2025​. See Other Benefits for a complete listing of benefits available to retirees.