Human Resources Service Center

Open Enrollment FAQs

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  • What is "Open Enrollment?

    Open enrollment is the annual period in which you can enroll, cancel or change health plans or add family members not currently enrolled on your health, dental or vision plans. This is also the time that you would enroll in the available Flexible Spending Accounts. See the Campus Open Enrollment web page for more information.

  • When is the annual Open Enrollment Period?

    This year’s open enrollment period is September 9, 2019 – October 4, 2019 (noon).

  • How can I choose or compare the available plans?
  • How are my premium rates calculated?

    The California Public Employees' Retirement System (CalPERS) Board of Administration sets health rates every year. Multiple factors influence rates. The rate development process is dynamic and subject to changes in population demographics and health status, provider contracts, drug patents, federal regulations and the market, etc. and as such is different from year to year. For more information, please contact CalPERS at 888-225-7377.

    Carefully review the monthly employee cost and Maximum Out-of-Pocket limits to make an informed decision.

  • What is new this year?

    Nationwide - Pet Insurance

    Nationwide is offering two benefit options for your pets. This insurance can cover your pet's accidents, illness and even preventative care and wellness services. Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles). To Learn more about this volunteer plan and/or to enroll, visit Nationwide(opens in new window).

    Critical Illness - Coming in early 2020

    The new vendor for Group Critical Illness Insurance (formerly Aflac) is now 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. Aflac will no longer be enrolling new participants in the Critical Illness plan. Employees currently enrolled in Aflac's coverage can transfer to the new coverage with The Standard or stay with Aflac via direct pay. More information will be provided at a later date.

    Accident Insurance - Coming in early 2020

    This insurance, provided by the Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more. The Standard is the new vendor for both Critical Illness and Accident Insurance, and a special enrollment period will be held for both options in early 2020.

  • Can I view my benefits information on the portal?

    At this time, Medical, Dental, Vision, and Flex Cash, along with any covered dependents can be viewed. The employer paid Life Insurance and Long Term Disability (LTD) enrollments can also be viewed in the system. Visit the Self Service Benefits Information page for more information.

  • How do I change my plan?

    To make a change to your health, dental, vision, or FlexCash please complete a Benefits Worksheet (PDF). in its entirety. Make sure to include any supporting documentation for spouse, domestic partner or dependent enrollment. See page two of the Benefits Enrollment/Change Worksheet.

    The Dependent Care Reimbursement Accounts and Health Care Reimbursement Accounts require annual re-enrollment. Please complete the 2020 Health and Dependent Care Reimbursement Account Form (PDF).

    All Benefits Open Enrollment forms can only be accepted at Kendall Hall, Room 118 between Monday, September 9 through, Friday, October 4, 2019 noon.

  • If I make changes during open enrollment period, what is the effective date of my plan coverage?

    Changes made during the open enrollment period become effective on January 1, 2020.

  • What if I don't do anything or don't want to make any changes?

    There will be no change to your benefit coverage if you do nothing. However, the Dependent Care Reimbursement Accounts and Health Care Reimbursement Accounts require annual re-enrollment.

  • When will I see the new rate change on my paycheck?

    You will see the change on your check for the December pay period, issue date 1/1/2020.

  • Which family members are eligible for plan enrollment?

    Eligible family members include:

    • Your spouse or registered domestic partner. (former spouses and former domestic partners are not eligible)
    • Your children, adopted children, or stepchildren under age 26 (regardless of whether or not they are living with you).
    • A child over age 26, who is incapable of self-support due to a mental or physical condition that existed prior to age 26, may be included when you first enroll (enrollment must be approved by CalPERS prior to enrollment and must be updated upon request) .
    • Another person's child under age 26 may be eligible for coverage if a parent-child relationship exists.

    Split Enrollments: Members who are married or in a registered domestic partnership and both work, or worked, for agencies in the CalPERS Health Program can enroll separately. If you and your spouse or domestic partner enroll separately, you must enroll all other family members, regardless of the relationship, under only one of you. Dependents cannot be split between parents. If split enrollments are found, they will be retroactively corrected. You will be responsible for all costs incurred from the date the split enrollment began.

  • What supporting documentation and information are required to enroll my family members?

    A list of required supporting documentation is included on page two of the Benefits Worksheet (PDF).

  • I intend to enroll in an HMO plan. How do I select a primary care physician (PCP)/Medical group?

    When you enroll in an HMO plan, the carrier will select a PCP for you and each of your dependents. You and your covered dependents have the option to select a different PCP/medical group. After your coverage effective date, you may change your doctor online or by contacting the plan directly. You can change doctors as often as you’d like, and the change will become effective the first day of the following month.

  • Will I receive new health insurance cards?

    HEALTH PLAN

    If you made a plan change you will receive insurance cards with the new plan information, usually in December. When visiting your physician, make sure to present their office with your new card.

    DENTAL PLAN

    • Delta Dental PPO #4018 - You will not receive insurance cards. During your first appointment, you will need to provide your dentist with your Delta Dental PPO group number (#4018); your employer’s name (The California State University); your social security number (which must also be used by your dependents); your date of birth; and any other dental coverage you may have.
    • DeltaCare USA HMO #2034 - You will receive an identification card and an Evidence of Coverage booklet describing your benefits. You can make an appointment once you have received confirmation of your enrollment. You may change contract dentists by notifying Delta Care USA by phone or in writing. DeltaCare USA must receive the DeltaCare USA enrollment materials and/or contract dentist change request by the 21st day of the month for coverage to be effective the 1st day of the following month.

    VISION PLAN

    No, you will not receive insurance cards. VSP network doctors contact VSP to verify your eligibility, plan coverage, and to obtain authorization for services. To find and select a network provider, you may visit VSP(opens in new window) website or call 800-877-7195. Services provided by a non-VSP provider must be paid in full by you. For reimbursement coverage questions, please contact VSP or complete a VSP Out-of-Network Reimbursement form.

  • Can I submit documents after open enrollment?

    No, the deadline to submit open enrollment change requests is noon on October 4, 2019. CalPERS does not allow for any flexibility to this deadline.

  • Are there other times that I can make changes?

    Life events such as marriage, registration of domestic partnership, birth or adoption of a child, divorce, termination of domestic partnership, or death of a family member will impact dependent benefit eligibility. You will need to contact the Benefits Unit immediately if any of these life events occur.

  • How do I get more information?

    Campus Resources

    • Visit the Benefits office during our walk-in times (Monday, Tuesday, Thursday & Friday 9:00am – 11:00am) throughout the Open Enrollment period.
    • For specific questions or to schedule an appointment with a Benefits representative, email benefits@csuchico.edu or call 530-898-5436 the campus Benefits office.

    CalPERS Online Tools

    Systemwide Open Enrollment CSYou Website

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