Retiree Health Benefits

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:

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)

New for 2023:

Preferred Provider Organization (PPO)

Preferred Provider Organization (PPO) Basic members and their dependents will be assigned a Primary Care Physician (PCP) – for example, a general practitioner, family practitioner, internist, or pediatrician – based on factors such as location, age, and primary language. Members are free to choose a different PCP, and it does not change your ability to see a specialist at any time without a referral. PPO members with an existing PCP assignment will keep their current PCP. PPO Medicare members are not impacted.

Health Benefit Design Change

New benefit providing medically necessary and clinically appropriate hearing aids in both ears at 100% coverage every 36 months. PPO Medicare members are not impacted.

Health Plan Expansions and Changes

• Kaiser Permanente Senior Advantage is introducing a new senior advantage summit with a $0 copay plan available in California.
• Blue Shield Trio is expanding its service area to include Butte, Kern, Kings, Monterey, Riverside, San Bernardino, and Tulare counties.
• Blue Shield EPO is expanding into Alpine, Calaveras, Inyo, Lake, Modoc, Mono, Plumas, Siskiyou, Tehama, Trinity, and Tuolumne counties.