Benefits Plans for 2023
CalPERS is your Health Benefits Officer and administers health insurance coverage for CSU retirees. 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.
The state employer contribution amounts for 2023 are:
Retiree Only | $883
|
Retiree + One
| $1,699
|
Retiree + Two or More | $2,124
|
Find your plan’s monthly premium in one of these documents to determine your monthly cost:
2023 HMO Health Plan Rates (PDF)
2023 PPO Health Plan Rates (PDF)
CalPERS maintains the dental benefit enrollment records for all eligible CSU retirees and processes retirees' dental enrollments.
Voluntary Dental Enhanced 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.
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 14, 2022.
To keep your current Plan, no action is required. You and all your eligible dependents will be enrolled in the same plan.
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.
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.
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.
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
2023 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.
Retiree Only
| $5.10
| $14.83
|
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.
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.
CSU retirees are able to enroll, change or cancel the above benefits during Open Enrollment for plan year 2023. See
Other Benefits for a complete listing of benefits available to retirees.