California dental insurance plans – Video

California dental insurance plans



California dental insurance plans

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Plans & Rates

Active members: 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. Here are some tips to help you choose a health plan:

  • 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.
  • Review each plan’s Evidence of Coverage, and Summary of Benefits and Coverage with Glossary, in the sections below.
  • Use our Health Plan Search by ZIP Code tool to see which plans are available in your area.
  • View the 2019 Health Benefit Summary (PDF) to compare features of the different health plans.
  • View the Non-Discrimination Notice (PDF) in accordance with Section 1557 of the Affordable Care Act.
  • View the CalPERS Policy on Provider Disruption (PDF).

Are you retired? View Retiree Plans & Rates customized just for you.

Rates & Employer Contributions

State & CSU Members

View the 2019 health premium rates approved by the CalPERS Board of Administration:

Employer Contribution Amounts

Active State Members

Below are the contribution rates. Your cost is any amount above the employer contribution. Active subscribers are subject to the 80-80 or 85-80 formula. Active subscribers should contact their employer to inquire which formula applies to their bargaining unit.

CalPERS Health Program

State Employer Health Benefit Contributions
State CoBen Allowances

* These bargaining units have health contribution language set in statute.

State Employer Health Benefit Contributions

Active CSU Members

  • All Employees (Except Unit 6) – One-Party: $734; Two-Party: $1,398; Family: $1,788
  • Unit 6 – One-Party: $739; Two-Party: $1,408; Family: $1,808
State CoBen Allowances

Consolidated Benefits (CoBen) is the employer-provided benefit allowance to offset the cost of health, dental, and vision benefits. For more information, visit CalHR. Check with your employer to determine your contribution amount.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

COBRA rates are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts.

State Rates for January 1, 2019 to December 31, 2019

1 These premiums cover all Kaiser out-of-state areas.

Public Agency & School Members

Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. This ensures that your CalPERS premiums are appropriate and competitive for where you live.

To find your specific health plan premium rates, choose your region from the options below:

  • Bay Area Rates (PDF) – View rates for Alameda, Amador, Contra Costa, Marin, Napa, Nevada, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Sutter, and Yuba.
  • Los Angeles Area Rates (PDF) – View rates for Los Angeles, San Bernardino, and Ventura.
  • Other Northern California Rates (PDF) – View rates for Alpine, Butte, Calaveras, Colusa, Del Norte, Glenn, Humboldt, Lake, Lassen, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Plumas, San Benito, Shasta, Sierra, Siskiyou, Stanislaus, Tehama, Trinity, and Tuolumne.
  • Other Southern California Rates (PDF) – View rates for Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, Riverside, San Diego, San Luis Obispo, Santa Barbara, and Tulare.
  • Out-of-State Rates (PDF) – View rates for health plans available outside of California.
  • Sacramento Area Rates (PDF) – View rates for El Dorado, Placer, Sacramento, and Yolo.
Employer Contribution Amounts

Contributions vary by employer. Contact your employer to find out how much they contribute toward your monthly premium rate.

COBRA Rates

If you have continued health coverage through the Consolidated Omnibus Budget Reconciliation Act (COBRA), contact your employer for your monthly premium rate. Refer to COBRA for information on continuing health coverage for yourself and your dependents if you involuntarily lose your health benefits.

The CalPERS Board reviews health plan contracts annually to determine health plans, covered benefits, monthly rates, and co-payments.

Check back in late June for next year’s rates.

Health Plans

Health Plan Events & Resources: Take advantage of wellness events and resources offered by our health plans. Many of these events are free and open to the public.

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SOURCE: http://www.calpers.ca.gov/page/active-members/health-benefits/plans-and-rates

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