Medical Plans

Health Plan Rates

Employees that are benefits eligible may enroll in one of several medical plans for themselves and their eligible dependents:

Learn about the different health plans and other details about your health care benefits.
Monthly plan premium costs shared by the CSU and the employee.
Employee contribution rates vary depending on the plan selected and the number of dependents enrolled.
Before enrolling, review the current Health Plan Rates [PDF] and the information provided below on each plan.
To find health plans available in your area go to the CalPERS Health Plan Search by Zip Code.
Use Provider Phone/Website List to contact providers for more information.
Visit your health plan's website to learn how benefits, claims, and payment of claims are covered, as well as the service limitations and exclusions that may apply. You can also log in to myCalPERS to use the Search Health Plans tool to research the health plan coverage and benefits most important to you and your family.
CalPERS’ health plans — Anthem Blue Cross, Blue Shield of California, Health Net of California, Kaiser Permanente, Sharp Health Plan, UnitedHealthcare, and Western Health Advantage — offer health and wellness programs at either low-cost or no-cost.
Explore your health plan to learn more about their health and wellness services and take advantage of your plan’s resources to help you nurture and practice wellness to achieve a balanced and healthy life.

Employees select a primary care physician who coordinates all care including referral to specialists.

Anthem Blue Cross Traditional HMO California & Anthem Blue Cross Select HMO California

Dedicated to delivering quality care and great value.
- Both plans offer 360 Health, a program that helps members become involved in their health and wellness.
Traditional HMO Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call (855) 839-4524.

Blue Shield Access+ HMO

Access to more than 11,000 personal physicians and 300 hospitals.
No annual deductible; copayment at each physician visit.
Blue Shield Access + Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call Blue Shield at (800) 334-5847.

Blue Shield Trio HMO

No annual deductible; copayment at each physician visit.
Blue Shield Trio Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call Blue Shield at (800) 334-5847.

Health Net Salud y Mas California

Health Net of California, Inc. (Health Net) helps individuals and families get the health care they need through every stage of their lives. We're proud to provide plans designed to help you be your healthiest.
Health Net of California (HRMO) - Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call (888) 926-4921.

Kaiser

At Kaiser Permanente, your doctor, specialists, and pharmacists have access to your entire medical history through your electronic health record - so you never have to repeat your story. Your doctor acts as your health advocate and coordinates your care, which means you don’t have to deal with claims or paperwork. And with the Kaiser Permanente app, your care is at your fingertips 24/7.
No annual deductible; copayment at each physician visit.
Kaiser Permanente - Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call Kaiser Permanente at (800) 305-1220.

United Healthcare SignatureValue Alliance & UnitedHealthCare SignatureValue Harmony

UnitedHealthcare provides CalPERS members with access to quality network providers, digital tools you may need, doctors in your corner and health plans designed to make it easier to get care. Explore the ways UnitedHealthcare plans are designed to help you take better care of yourself.
For more information, call UnitedHealthCare at (877) 359-3714.

PERS Platinum

(administered by Blue Shield of California)

Choose your health care providers and pharmacy without referral.
Offers significant savings through a preferred provider network (doctors and hospitals that agree to charge a pre-negotiated rate for everyone on the plan). Non-network providers may be used, but co-payments will be higher.
PERS Platinum Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
Annual deductibles must be met before some benefits apply.
For more information, call Included Health at (855) 633-4436.

PERS Gold

(administered by Blue Shield of California)

Not available out-of-state.
Access a list of preferred providers through the PERS Gold network.
PERS Gold Summary of Benefits and Coverage: What this plan covers and what you pay for covered services.
For more information, call (877) 737-7776.

OptumRx

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