A Guide to Choosing a Health Plan

While CalPERS provides a variety of health plans, only you can decide which one is the best for you and your family. The right health plan for you will be the one that best fits your specific situation.

Follow the steps below to discover your options and make a health plan change, if desired. If you want to keep your current health plan, no action is needed.

1. Health Plan Factors to Consider & Compare

Cost

  • Find a Medical Plan tool
  • Health plan premium rates
  • Your contribution amount
  • Health plan Evidence of Coverage (EOC) booklets

Covered Benefits

  • Find a Medical Plan tool
  • Health plan EOC booklets
  • Health plan websites
  • Health Benefit Summary (HBS) booklet

Available Networks & Physicians

  • Health plan websites

Availability By ZIP Code

  • Find a Medical Plan tool
  • Health Plan Search by ZIP Code Tool

2. Enroll In Selected Plan

  • Change health plan online on myCalPERS, or
  • Complete health benefit plan enrollment form and submit to CalPERS, or
  • Contact CalPERS

3. Next Steps

  • Health plan sends new ID card(s)
  • Ensure ID card information is correct. Become familiar with your new health plan benefits in the EOC on your elected health plan website
  • Coverage starts January 1

Plans & Rates (Retiree)