As Open Enrollment begins, familiarize yourself with the health plan changes for 2025. Whether you’re considering a change or confirming that your current plan still meets your needs, we have the resources to assist you.
Why Review My Current Health Plan?
- Cost Changes: Your monthly health premium might increase in 2025. You may be able to find other CalPERS health plans with lower premiums or out-of-pocket costs and keep your doctor.
- Wellness Programs: Explore your health plan and other CalPERS health plans to learn more about their health and wellness services. Each health plan offers different programs designed to help you achieve a balanced and healthy life.
How Can I Explore My Options?
Below are some resources to help you.
Your Health Plan Statement
- Access your customized Open Enrollment information by logging in to your myCalPERS account.
- Find your 2025 monthly premium if you don’t switch plans and check for any changes to your current plan.
Search Health Plans
- Use the Search Health Plans tool in your myCalPERS account for a side-by-side comparison of health benefits, monthly premiums, and member satisfaction ratings. You can also search for your doctors, specialists, and medical groups.
- You can also find detailed health plan information in the Health Benefit Summary (PDF).
2024 Open Enrollment Newsletter
Check out our newsletter (PDF) for highlights of what’s new in 2025.
Your Guide to Choosing a Health Plan
This one-page checklist (PDF) helps you evaluate key factors like cost, coverage, and availability.
Plans and Rates
- View the Active Member Plans & Rates and Retiree Plans & Rates webpages to see all CalPERS health plans and premiums.
- Visit CalPERS health plans websites from these pages to learn about benefits, claims, payment of claims, and service limitations and exclusions.
Behavioral Health Programs by Health Plan
Use the Behavioral Health Programs by Health Plan webpages to explore behavioral health programs that are available to you at little to no cost.
Summary of Benefits and Coverage & Evidence of Coverage
- Available on the CalPERS website, these publications detail what the plan covers and what you pay.
- These publications also describe terms, conditions, covered services, and plan exclusions.
State of California Employees and Retirees
The California Department of Human Resources (CalHR) administers benefit programs including dental, vision, FlexElect Reimbursement Accounts, cash options, legal, life and long-term disability (LTD) insurance for State of California active employees and retirees. For information about enrolling or making changes to benefits administered by CalHR during Open Enrollment, visit the CalHR Open Enrollment webpage.
| State | Dental | Vision |
|---|---|---|
| Active Employees | Contact your departmental personnel office | Contact VSP Vision Care or call (800) 400-4569 |
| Retirees | Contact us at 888 CalPERS (or 888-225-7377) | Contact VSP Vision Care or call (800) 400-4569 |
CSU Employees and Retirees
The California State University (CSU) Chancellor’s Office administers the dental and vision programs for CSU active employees and retirees. For information about these benefits, contact your campus benefits office. CSU retirees should visit the CSU retirees website for plan information.
| CSU | Dental | Vision |
|---|---|---|
| Active Employees | Contact your campus benefits office or human resources department | Contact VSP Vision Care or call (800) 400-4569 |
| Retirees | Contact us at 888 CalPERS (or 888-225-7377) | Contact VSP Vision Care or call (800) 400-4569 |
How Can I Get Started?
You can make health plan changes through your myCalPERS account. Information on how to register for and use myCalPERS is available online.
Active employees should check with their employer before making changes online, as they may want you to follow a different process.
You’ll find more information and additional resources on the active member and retirees Open Enrollment pages on our website.