Open Enrollment

September 9 through October 4

Healthy By Choice, Not By Chance!

All Open Enrollment changes are effective January 1 of the following year.

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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.

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
  • MetLaw – Legal Plan enroll or cancel
 

Notable Changes

  • Health plan premiums have changed - employee contributions increased for some plans.
  • Annual maximum contribution for HCRA increased by $50 to a maximum contribution of $2,700/year or $225.00/month.
  • If requested, (HCRA) ASIFlex Debit card for NEW enrollees will be issued by January 2020. Current enrollees' debit card is valid until 2023.
  • New! Pet Insurance available in January 2020
  • New! Accident Insurance- Special enrollment period in early 2020
  • New! Added value feature from Delta Dental: Hearing aid and Lasik services discounts. Hearing discount through VSP still also available.
 

Group Critical Illness Plan - Coming in early 2020

  • Group Critical Illness plan, will be offered through The Standard in early 2020, 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.
  • Offered to all CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Coverage is available for eligible dependents.
  • Employee must be covered under a comprehensive health insurance plan or Health Maintenance Organization (HMO).

More information on the Special Enrollment Period will be provided at a later date. Aflac will no longer be enrolling new participants in the Critical Illness plan effective immediately. Employees currently enrolled in Aflac’s coverage can transfer to the new coverage with The Standard or stay with Aflac via direct pay.

 

Accident Insurance - Coming in early 2020

  • Accidents can happen when least expected, and while they can’t always be prevented, you can have the financial support to make your recovery less expensive and stressful. This insurance, provided by The Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more.
  • As the new vendor for both Critical Illness and Accident Insurance, a special enrollment period will be held for The Standard in early 2020.
 

Employee Benefits & Services Fair

Tuesday September 24, 2019 10:00 am - 2:00 pm in the Student Union Ballroom

University Personnel hosts an annual Employee Services Fair in the Student Union Ballroom. The fair offers employees the opportunity to learn more about health plans that will be effective January 1, 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. Bring your Tower Card to be eligible for a variety of giveaways and prizes. We hope to see you at the fair!

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

 

Health Plan Reminders

  • You will receive new health plan ID cards if you change your health plan or enroll for the first time.
  • If you change plans during Open Enrollment and you don’t see the correct deduction applied by your February pay warrant, contact your campus benefits office.
  • If you change health plans, do not continue to use your previous health plan after December 31, 2019.
 

CalPERS Online Health Plan Statement

Beginning August 27, 2019, all health plan members can access their Health Plan Statement by logging into their my|CalPERS account 24/7 at my|CalPERS. The health plan statement allows subscribers the opportunity to receive customized employee specific health information in a confidential and secure method, and provides a convenient central location for health plan resources. Employees can view their current monthly premium rates and 2020 monthly premium rates if they do not change health plans for Open Enrollment. The statement will also include specific health benefit changes that may impact them in the upcoming year. If an employee did not create a CalPERS account, they can create one by going to the my|CalPERS login page located at CalPERS and select Participant, continue, then register now.

 

CalPERS Online Tools

CalPERS has several helpful online tools that employees can utilize to review important health plan options and information during Open Enrollment. Log in to my|CalPERS to use the Find a Medical Plan tool to research the health plan coverage and benefits most important to you and your family. Other resources include the Health Plan Search by Zip Code which is an online tool that identifies which plans are available within a particular zip code.

Enrollment Procedures

Benefit elections and changes during Open Enrollment must be made online through one.SJSU > SJSU@Work Self-Service and will take effect on January 1 of the following year. You can access the self-service panels from any computer with Internet access by logging on to your one.SJSU and selecting SJSU@Work > Main Menu > Self Service > Benefits > Open Enrollment. You will need your one.SJSU 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. 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 by the deadline.

 

Current Year Health Costs and Changes

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

2020 Basic Plan Rates (.pdf) (requires SJSUOne/CSU login)

2020 Guidebook for Benefits Eligible Employees (.pdf) (requires SJSUOne/CSU login)

 

Important Links

CalPERS Open Enrollment Newsletter (.pdf)

CalPERS Health benefit summary (.pdf)

CalPERS Open Enrollment

CalPERS guide on understanding open enrollment (.pdf)

CalPERS Health Benefit Program Guide (.pdf)

CalPERS Health Plan search by zip code

 

Dental Plans

San Jose State continues to offer both a DHMO 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. Premiums for dental plans will continue to be fully paid by the CSU, with no cost to the employee.

 

New Value-Added Features from Delta Dental for 2020

  • Access to hearing aid discounts offered through Amplifon- Hearing Health Care which offers discounts on top hearing aid brands offering a 62% average savings off retail hearing aid pricing with a choice of leading hearing aid brands and thousands of hearing care providers.
  • QualSight which offers LASIK services that has preferred pricing on LASIK eye surgery with a 40-50% discount off the national average price of Traditional LASIK at over 1000 LASIK locations with credentialed surgeons that have collectively performed 6.5 million procedures.
  • To enroll visit amplifonusa.com/deltadentalins or by calling (888) 779-1429 for Amplifon and visit qualsight.com/-delta-dental or call (855) 248-2020.
 

Delta Dental PPO Plan Enhancements Reminder

  • Diagnostic and Preventative - When you visit a PPO dentist, your diagnostic and preventative services (like cleanings and exams) will not count against your annual maximum. This benefit does not apply if you visit a Delta Dental Premier or non-Delta Dental dentist.
  • SmileWay Wellness Benefit is an enhanced coverage for higher risk employees. Employees with certain qualifying diagnosed medical conditions (diabetes, heart disease, HIV/AIDS, rheumatoid arthritis or stroke) are offered expanded coverage which includes one periodontal scaling and root planning procedure per quadrant per calendar year covered at 100%. Also included is four (4) of any combination of yearly cleanings or periodontal maintenance. In order to use this great enhancement, you will need to opt in by visiting deltadentalins.com/csu and log in to your Online Services account. If you do not have an account you can click Register. Once you've accessed your account, click on the Optional Benefits tab in the left column, then click Opt In next to the name of the person you want to enroll, complete and submit the online form. You may also Opt In by phone at (800) 626-3108 to speak to a Customer Service representative Monday through Friday, 8:00am to 8:00pm, Pacific Standard Time.
 

Vision Services Plan (VSP)

Employees may purchase Vision Service Plan (VSP) Premium coverage as an enhancement to the basic coverage. The VSP Premier plan offers a higher level of benefits for lenses, contact and frames.

See VSP Member Plan Summary to compare: VSP Member Plan Summary (.pdf)

Employees may enroll in the VSP Premium Plan by calling (800) 400-4569 or online at http://csuactives.vspforme.com during Open Enrollment. (Employees will continue to be automatically enrolled in employer paid VSP Basic Plan.)

Premiums for the VSP Basic Plan will continue to be fully paid by CSU for employees and their dependents. If an employee enrolls in the VSP Premier plan, all benefits eligible dependents must also be enrolled or they will be removed from the basic plan.

 

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

Important reminder: HCRA and DCRA deductions do not automatically continue into the next plan year. If you want deductions to continue for 2020, you must submit your elections via SJSU@Work during open enrollment.

The 2020 annual maximum contribution for the Health Care Reimbursement Account (HCRA) increased to $2,700 ($225.00 per month). The HCRA plan offers participants the ability to pay for eligible out-of-pocket medical expenses with pre-tax dollars. Also, all employees who are currently using the ASI Benny Card will be issued the new ASIFlex visa debit card by mid January 2020. Employees must submit the Flexible Spending Plan (FSA) Debit Card Request Form (.pdf) directly to ASIFlex to enroll in the debit card. For more information please review the HCRA Brochure (.pdf) (requires SJSUOne/CSU login)

The 2020 annual maximum contribution for the Dependent Care Reimbursement Account is $5,000. This plan allows eligible employees the ability to pay for qualifying out-of-pocket dependent care expense with pre-tax dollars. Employees may elect a monthly deduction amount of as little as $20 per month up to a maximum of $416.66 per month. For more information, please review the DCRA brochure (.pdf) (requires SJSUOne/CSU login)

 

Important Links

ASIFlex Card FAQs (.pdf) (requires SJSUOne/CSU login)

ASIFlex Quick Guide (.pdf) (requires SJSUOne/CSU login)

 

Voluntary Benefit Plans

Information regarding voluntary benefit plans and how to enroll can be found below and at CSYou Voluntary Insurance and Benefit Programs (requires SJSUOne/CSU login) - Employees have the option to enroll in several types of voluntary insurance and benefit plans. These plans are entirely employee paid:

 

Accidental Death and Dismemberment (AD&D)

  • Accidental death & dismemberment plan, offered by The Standard, pays a benefit to the employee or his/her selected beneficiary in the event of death due to an accident or dismemberment at a benefit level selected by the employee.
  • Offered to all regular benefits eligible CSU employees. Coverage for eligible dependents available at an additional cost.
  • Eligible employees can enroll at any time during the year and will not be subject to Evidence of Insurability.

For more information go to http://www.standard.com/mybenefits/csu or contact The Standard customer service at 1-800-378-5745. To apply, make changes, or review benefits log in at https://standard.benselect.com/csu.

 

Auto and Home Insurance

  • Auto and Home insurance is offered to all CSU employees, excluding Rehired Annuitants and Students, at a discounted rate through California Casualty. Coverage for eligible dependents available at an additional cost.
  • Participants in the plan are provided with a free identity theft benefit known as ID Defense.
  • All policies are written for a 12-month period.

For more information or to apply, contact California Casualty customer service at 1-866-680-5142 or go to www.calcas.com/csu.

 

Nationwide Pet Insurance

  • New pet health insurance gives you the freedom to use any vet, anywhere, including specialist and emergency providers. Nationwide is offering two benefit option 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).
  • For more information or to enroll, please call 1-877-738-7874 or visit www.petinsurance.com/calstate.
 

CalPERS Long-Term Care Plan

  • Long-term care plans cover certain services provided in a setting other than an acute care unit of a hospital, such as a nursing home, residential care facility, adult day care center or in the home, according to the plan selected.
  • A person requires long-term care when he or she needs help with two or more of the six Activities of Daily Living (ADLs): bathing, dressing, toileting, transferring (moving in and out of a bed, chair or wheelchair), eating or continence.
  • Three plans to choose from: (a) comprehensive, (b) facilities only, and (c) partnership.
  • Offered to all CalPERS employees, spouses, parents, parents-in-law and siblings (age 18 and older).
  • Entirely employee-paid.
  • Contact the CalPERS Long-Term Care Program at 1-800-908-9119.
 

Voluntary Long-Term Disability (LTD)

  • Voluntary Long-Term Disability plan, offered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability.
  • All benefits eligible employees who are not eligible for the CSU-paid LTD plan may apply.
  • Two plans are offered, one with a 30-day and one with a 90-day waiting period.

For more information go to http://www.standard.com/mybenefits/csu or contact The Standard customer service at 1-800-378-5745. To apply, make changes, or review benefits log in at https://standard.benselect.com/csu.

 

MetLaw® Legal Plan

  • MetLaw® plan, offered by MetLife, covers representation for many personal legal services for employees and their eligible dependents.
  • Offered to CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Eligible dependents are covered at no additional cost.
  • Members are required to remain in the plan for a full benefit plan year.
  • Covered legal services 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.

For more information or to apply, contact MetLife customer service at 1-800-438-6388 or go to www.metlife.com/mybenefits.

 

Retiree/FERP Health Plan Changes

CalPERS is your health benefits officer. You can make changes online through my|CalPERS during the open enrollment period. 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 or visit the CSU retiree website for more information.

 

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