Open Enrollment

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This year's annual Open Enrollment period begins September 12, 2016 through October 7, 2016. Open Enrollment is your once-a-year opportunity to learn about new offerings and to make additions, changes or deletions to your benefits, which will be effective January 1, 2017.

Employees have the opportunity to:

  • Enroll in health/dental/vision/flexcash (if benefits eligible)
  • Change insurance plans
  • Add/delete eligible dependents
  • Enroll/Re-enroll in Flexible Spending Accounts - Health Care Reimbursement Account(HCRA) and/or Dependent Care Reimbursement Account (DCRA)
  • Enroll/cancel voluntary benefit plans
  • The Standard Insurance - enroll up to $100,000 (employee) without a medical questionnaire.
  • AFLAC – enroll in $20,000 (employee) or $10,000 (dependents) – guaranteed issued.
  • MetLaw – Legal Plan enroll or cancel

CalPERS New Online Health Plan Statement

A key change this year is the member’s ability to access health benefits information online via a customized Health Plan Statement. Beginning August 22, 2016, all health plan members can access their CalPERS account at my.calpers.ca.gov to view, download and/or print their 2016 Health Plan Statement. This new feature will provide members with customized health information regarding health benefit changes that may impact them.

Please Note: Employees newly enrolled in a CalPERS health plan after August 1, 2016, will not be able to view a customized Health Plan Statement. However, they can log on to CalPERS web site located at www.calpers.ca.gov to view all the 2017 Open Enrollment information. New employees can also review the Open Enrollment materials electronically online by visiting the CalPERS web site at: www.calpers.ca.gov beginning August 22, 2017.

Important Message – If you are currently enrolled in the Blue Shield Net Value Plan, it will not be offered in 2017. CalPERS and Blue Shield have sent out notices to all those enrolled. If you do not change your plan during open enrollment you will automatically be transferred to Blue Shield Access + Plan.

2016 Employee Services Fair

September 22, 2016 10:00 a.m. – 2:00 p.m. at the Student Union Ballroom

Human Resources will be hosting our annual Employee Services Fair on Thursday, September 22 from 10:00 a.m. to 2:00 p.m. in the Student Union Ballroom. The fair will offer employees the opportunity to learn more about health plans that will be effective January 1, 2017 as well as local programs that can improve employee health and wellness. Over 70 vendors are expected to attend, including a wide range of health care groups, investment groups, and wellness companies. Fair attendees will be eligible to win door prizes from participating vendors.

Benefits Staff will be on hand at the fair to assist employees with their on-line open enrollment changes.

Enrollment Procedures

Benefit elections and changes during Open Enrollment must be made online through MySJSU Self-Service and will take effect on January 1, 2017. You can access it from any computer with Internet access by logging on to your MySJSU and selecting Main Menu > Self Service > Benefits > Open Enrollment.

You will need your SJSUOne username and password to log in. Also, please submit an e-Benefits Self Service Electronic Signature Authorization Form (.pdf), if you haven't done so already.

The deadline for submission of Open Enrollment elections is October 7, 2016.

Elections or cancellations of voluntary benefits must be handled directly with the plan (see Voluntary Benefit Plans section below).

Any employee who makes changes must have all supporting documents on file. The deadline for submission of open enrollment elections is October 7, 2016. Elections or cancellations of voluntary benefits must be handled directly with the plan.

***Check your January 2017 paycheck stub to ensure all changes you elected during open enrollment have been processed. Timely verification of deductions will lessen the impact to the employee.

2017 Health Costs and Changes

To learn more about the new 2017 Health Plan Rates, plan information and changes, please refer to the information below:

2017 CalPERS Health Benefits Program (.pdf)  New  
requires SJSUOne/CSU login

Open Enrollment for 2017 Guidebook for Benefits Eligible Employees (.pdf)    
requires SJSUOne/CSU login

Highlighted below are 2017 plan changes:

  1. Blue Shield Net Value Plan will not be offered in 2017. Employees can use the CalPERS Health Plan Search by ZIP Code to view/choose health plans available in your area.
  2. Open Enrollment elections are effective January 1, 2017.
  3. Effective January 1, 2017, rates for most health plans will change.
  4. Effective January 1, 2017, Optum Rx will be the new pharmacy benefits manager for all of CalPERS' health plans, with the exception of Kaiser and Blue Shield of California Health Maintenance Organization (HMO) plans. For additional information, please review CalPERS at www.calpers.ca.gov.
  5. Health Net Smartcare is expanding to Marin County.
  6. Kaiser (non-medicare) is expanding into Santa Cruz County.
  7. During the open enrollment period, The Standard Insurance will allow employees the opportunity to enroll or increase Supplemental Life Insurance up to $100,000 (employee only) coverage without providing evidence of insurability.  NOTE: Prior declined employees will need to provide satisfactory evidence of insurability.
  8. During this open enrollment period AFLAC will allow employees the opportunity to enroll or increase Group Critical Illness Insurance with coverage up to $20,000 for employee only, and $10,000 of coverage for their spouse/domestic partner without providing evidence of insurability.

You should refer to each health plan's Evidence of Coverage (EOC) booklet for a complete explanation of the benefits covered, as well as limitations. CalPERS Website

CalPERS Online Tools

CalPERS has two helpful online tools that employees can utilize to review important health plan options and information during open enrollment, which include the Health Plan Search by zip code tool and the Health Plan Chooser tool. The Health Plan Search by Zip Code Tool is an online tool that identifies which plans are available within a particular zip code. To use the online tool, simply enter your residential or work zip code, then search to view the results.

The online Health Plan Chooser tool helps employees compare the features and estimates out-of-pocket cost for each plan, search for doctors, and compare and rank plans based on personal preferences. Complete the Health Plan Chooser’s five steps, and the tool provides a results summary chart highlighting the plan(s) rated as the best fit in each category.

Dental Plans

Premiums for dental plans will continue to be fully paid by the CSU, with no cost to the employee. All coverage levels and plan benefits will remain the same for the 2017 plan year.

San Jose State continues to offer both an HMO and PPO dental plan. Please refer to the Evidence of Coverage (EOC) booklets for a complete explanation of the benefits covered within each dental plan, as well as limitations and exclusions that apply. These documents, along with additional information on the dental plans, can be reviewed online through the Delta Dental Website.

Vision Services Plan (VSP)

CSU is pleased to continue providing CSU employees with a comprehensive vision plan for the 2017 plan year. The rates for the employer sponsored vision plan administered by Vision Service Provider (VSP) will remain the same for the 2017 plan year.

The VSP’s Advantage Program brings employees much more value due to many additional discounts and access to promotional programs within VSP; such as many popular lens enhancements (progressive, anti-reflective, photochromic, scratch resistant coating, polycarbonate, plastic dyes and UV protection). CSU employees will also receive a 20% savings on amounts over allowances. See the VSP Benefits Summary. (requires SJSUOne/CSU login) The monthly vision premiums will continue to be fully paid by CSU for the 2017 plan year.

Health Care Reimbursement Account (HCRA) & Dependent Care Reimbursement Account (DCRA)

Employees who wish to continue to participate in the Dependent Care Reimbursement Account (DCRA) and/or Health Care Reimbursement Account (HCRA) plan(s) must re-enroll annually during open enrollment. Administrative and Debit Card fees remain the same in 2017. 

The Health Care Reimbursement Account offers participants the ability to pay for eligible out-of-pocket medical expenses with pretax dollars. The minimum monthly contribution for HCRA is $20 per month ($240 annually), up to a maximum contribution amount of $212.50 per month ($2,550 annually). To enroll in the Flexible Spending Account Benny Card, complete the Debit Card Request Form (.pdf)(requires SJSUOne/CSU login) For more information, please review the Health Care Reimbursement Brochure. (requires SJSUOne/CSU login)

The Dependent Care Reimbursement Account offers participants the ability to pay for eligible out-of-pocket dependent care expenses with pre-tax dollars. The minimum monthly contribution for the Dependent Care Reimbursement Account (DCRA) is $20 per month ($240 annually), up to a maximum contribution amount of $416.66 per month ($5,000 annually). For more information, please review the Dependent Care Reimbursement Brochure(requires SJSUOne/CSU login)

Voluntary Benefit Plans

Additional information regarding these voluntary benefit plans and how to enroll can be found on the CSU System wide Benefits Portal. (requires SJSUOne/CSU login) Please note that all of the voluntary benefit plans below, with the exception of the MetLaw Legal plan, allow employees to enroll throughout the year.

MetLaw Legal

The MetLaw Legal Plan monthly premium is $21.70.  MetLaw’s Legal Plan offered by Hyatt Legal Plans, Inc., provides representation for many personal legal services for employees and their eligible dependents. Participants can receive services from a Network or Out-of-Network attorney. Services for covered legal matters performed by a Network attorney are fully paid for by the plan. Out-of Network attorney fees for covered services are reimbursed based on a set fee schedule.

To learn more about this plan or to enroll, go to MetLIFE or call (800) 438-6388. 

AFLAC

AFLAC offers critical illness insurance which provides payments for certain wellness exams, and a cash benefit if you're diagnosed or treated for a covered critical illness. Please visit AFLAC's website for plan details at AFLAC.

Voluntary Life Insurance

Although Standard does not offer a formal open enrollment period for Voluntary Life Insurance, employees can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first 60 days of hire or eligibility, the employee must submit a completed medical questionnaire along with the enrollment form. Please visit The Standard website for plan details.

Voluntary Long Term Disability Insurance

The Voluntary Long Term Disability Plan administered by The Standard provides loss of income protection (up to 60%) due to a qualified disability. The vendor offers two (2) different plan options which include a 30 or 90 day waiting period. Eligible employees can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements. Please visit The Standard website for plan details.

California Casualty

The Auto and Home Insurance plan offered by California Casualty allows CSU eligible employees to obtain auto and home insurance policies at a discounted rate. The plan also has an identity theft component known as ID Defense. All policies are written for a 12-month period. Eligible employees can enroll in this benefit at any time during employment. Please visit the California Casualty website for plan details.

Retiree/FERP Health Plan Changes

CalPERS is your health benefits officer. You can make changes online through my|CalPERS beginning September 12, 2016 through October 7, 2016. If you don't have a username and password, register now for immediate access to your account. Then follow the instructions in Changing Your Health Coverage. You can also contact CalPERS Health Benefits to make Open Enrollment changes.