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Open Enrollment

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, 2022.

The CSU Open Enrollment period is September 20 through October 15, 2021.

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 fo​r 2022. 
If no enrollment changes are made to the health*, dental or vision plans, coverage will remain the same in 2022.

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 2022?

CalPERS Health Plan Rate and Plan Change​s 

  • Health plan rates are changing for retiree basic and Medicare supplement health plans, 
  • CalPERS' three PPO plans PERSCare, PERS Choice, and PERS Select -
    will transition to two plans: PERS Platinum and PERS Gold, and
  • There are several plan expansions and new health plans being added effective in 2022.

* Note: If you are currently enrolled in PERSCare or PERS Choice and you do not make any changes, you will be automatically enrolled in PERS Platinum as these two plans are being combined.

Please make sure you carefully consider all your plan options during this open enrollment.  For more information on Health Plan changes, please visit CalPERS'​ Website.

New Retiree Vision Enhancements offered by VSP

Retirees will enjoy new plan enhancements such as higher frame and lenses allowance, ultra violet (UV) protection and VSP Primary EyeCare Plan which includes, for members with diabetes, retinal screenings and additional exams. There are also services available to members with glaucoma or age related macular degeneration, and the treatment and diagnosis of eye conditions like pink eye, vision loss and cataracts, at no additional cost or premium increase.


Retiree Health

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 2022 are:

Coverage Level
What’s Paid by CSU Monthly
Retiree Only$816
Retiree + One
$1,548
Retiree + Two or More$1,983​

Find your plan’s monthly premium in one of these documents to determine your monthly cost:
2022 In-State Health Plan Rates (PDF)
2022 Out-Of-State Health Plan Rates (PDF)


Retiree Dental

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

Voluntary Dental Enhance​d Plans:

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/Enrollment 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 15, 2021.

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
Coverage Effective January 1, 2022
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
$61.62
$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 diabetes, heart disease, HIV/AIDS, rheumatoid arthritis or stroke).

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)

Added Features from Delta Dental​

Access to hearing aid discounts offered through Amplifon- Hearing Health Care which offers discounts on top hearing aid brands offering a 62% average savings off retail hearing aid pricing with a choice of leading hearing aid brands and thousands of hearing care providers.

QualSight which offers LASIK services that has preferred pricing on LASIK eye surgery with a 40-50% discount off the national average price of Traditional LASIK at over 1000 LASIK locations with credentialed surgeons that have collectively performed 6.5 million procedures.

To enroll visit Amplifon USA or by calling (888) 779-1429 for Amplifon and visit Qualsight​ or call (855) 248-2020.


Retiree Vision

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 2022 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
$5.13
$15.03
Retiree + One$9.40
$28.09
Retiree + Family$10.08
$30.14

There are two ways to enroll:

  • Complete the online enrollment form on the VSP website.
  • Call VSP at 800-400-4569 and speak to a representative.

Legal Plan

This plan, offered by MetLife, provides representation for many personal legal services for you and your eligible dependents. Covered legal services performed by network attorneys are fully paid for by the plan. Now as a retiree, you can enroll in the same Legal Plan offered to active employees. You can only enroll or cancel during Open Enrollment. To enroll or learn more about this plan and/or to enroll visit, MetLife.

View more information on the MetLaw Plan Description.

For additional information regarding other benefits available to you offered by the CSU, See ​"Other Benefits."


Nationwide Pet Insurance

Whether they have two legs or four, every family member deserves quality health care. That’s why this new pet health insurance gives you the freedom to use any vet, anywhere, including specialist and emergency providers. Nationwide is offering two benefit options for your pets. This insurance can cover your pet’s accidents, illness and even preventive care and wellness services. Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles). To learn more about this plan and/or to enroll, visit Pet Insurance​​​ or call (877) 738-7874.