Open Enrollment
September 18, 2023 to October 13, 2023
Any changes made during Open Enrollment will go into effect January 1, 2024.
If you are NOT making any changes to your benefits, NO other action is required on your part.
However, please review the 2024 Health Rates Comparison Chart for any change to your current health plan rate, which will go into effect on January 1, 2024.
Re-enrollment is required in the HCRA and/or DCRA plans if you wish to participate for calendar year 2024. Please refer to HCRA and/or DCRA brochures for respective contribution limits.
Any changes made to your current benefits will go into effect on January 1, 2024. Any health plan rate changes will automatically update on January 1, 2024 for your current coverage.
During the Open Enrollment period, eligible employees may:
- enroll in Health, Dental, or Flexcash, if benefit eligible and not currently enrolled
- change plans
- add or delete eligible dependents (children up to age 26)
- enroll or re-enroll in Flexible Spending Accounts (Health Care and/or Dependent Care Reimbursement accounts)
- enroll in the ARAG Legal Assistance plan
- enroll in Critical Illness Insurance
- enroll in Accident Insurance
- enroll in Pet Insurance
Open enrollment closes October 13, 2023. Forms must be returned to the Human Resources in Tide Hall (bldg. 23) locked mailbox on the outside of the building, or emailed to benefits@csumb.edu as soon as possible, and no later than October 13, 2023.
What's Changing for 2024
- Health Plan Rate Changes
- Effective January 1, 2024, rates for most health plans will change
- 2024 Health Rates Comparison Chart
- PPO Plan Changes
- New Out-of-Network Deductibles added to plan provisions. Reference the 2024 Health Benefit Summary booklet for more information.
- HealthNet Smart Care Removed from the CalPERS Health Program
- Effective January 1, 2024, HealthNet Smart Care will no longer be an available health plan to CSU employees. Employees who are in this plan will need to elect a different health plan coverage during Open Enrollment. Employees currently enrolled in HealthNet Smart Care will be administratively transferred to Blue Shield Access+ effective January 1, 2024 if they don’t make a plan change. Members in Napa County will be transferred to Western Health Advantage, effective January 1, 2024 if a plan change is not made.
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Health Plan Expansions
- Blue Shield Access+ EPO plan expansion into Del Norte and San Benito counties.
- UnitedHealthcare Harmony HMO plan expansion into Santa Clara and Santa Cruz counties
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Health Plan Exit
- Anthem Traditional from Glenn County: If no new health plan is elected during Open Enrollment, members will automatically be enrolled in Blue Shield Access+ effective January 1, 2024.
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Legal Insurance Plan Carrier Change and Enhancements
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Effective January 1, 2024 voluntary Legal insurance benefits will now be provided by ARAG®. You’ll receive greater legal protection with no loss in coverage at a lower price. ARAG offers you access to local network attorneys who can help you address life’s legal situations.
Current employees enrolled in the MetLife Legal Plan will automatically be enrolled in the ARAG Legal Plan. If you wish to cancel enrollment, you will need to contact ARAG during Open Enrollment to disenroll in the Legal Plan for 2024.
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Health Plan Costs for 2024
Please review the 2024 Health Rates Comparison Chart for specific 2024 employee premium costs.
Pursuant to California Government Code 22871, the CSU Employer Health Contribution Rates for 2024 have increased and are reflected below:
| Coverage Level | All Employees (Except R06) | R06 Employees |
|---|---|---|
| Employee Only | $983 | $988 |
| Employee +1 | $1,890 | $1,900 |
| Employee +2 or more | $2,366 | $2,386 |
Campus Benefits Fairs and Q&A Drop-in Sessions
In addition to the benefits information for Open Enrollment on the CSUMB Open Enrollment website and CalState Open Enrollment website, once again this year, a virtual solution is available for our employees — providing additional access to benefits information. You are able to video or text chat with providers and your campus benefits team.
- Benefits Fair:
- You must register to get access to the website, which also hosts the regional campus benefits fairs. Don’t delay!
- Thursday, Sep 28th, 2023 from 11 a.m. to 2 p.m.
- Campus Q&A Zoom Drop-in Sessions:
- Join Zoom meeting here
- Friday, Sep 22nd from 11 a.m. to 12 p.m.
- Wednesday, Sep 27th from 3 p.m. to 4 p.m.
- Monday, Oct 2nd from 9 a.m. to 10 a.m.
- Tuesday, Oct 10th from 2 p.m. to 3:30 p.m.
Looking for Benefit Providers?
Have Questions?
Please review the 2024 OE Frequently Asked Questions for quick answers to your questions. You may also attend one of the virtual or in-person Q&A sessions listed below.
Campus Q&A Zoom Drop-in Sessions:
- Join Zoom meeting here
- Friday, Sep 22nd from 11 a.m. to 12 p.m.
- Wednesday, Sep 27th from 3 p.m. to 4 p.m.
- Monday, Oct 2nd from 9 a.m. to 10 a.m.
- Tuesday, Oct 10th from 2 p.m. to 3:30 p.m.
In-Person Q&A Drop-in Session
Tuesday, Sept. 19 | 3:00pm - 5:00pm | Alumni & Visitor's Center (AVC) Boardroom
Making Additions/Changes/Deletions to Your Benefits
If you wish to make any benefit plan changes or add/delete dependents, please complete the appropriate form(s) listed below or from the Related Documents & Forms section of this page, and return them to Human Resources-Benefits via email (upbenefits@csumb.edu), Fax (831-582-3572), or hand-deliver to Tide Hall (bldg 23) locked mailbox.
- Use the CalPERS Health Plan Search by Zip Code found on the CalPERS website to help you identify what health plans you are eligible to enroll in, or view the CalPERS 2023 Health Plan Summary booklet.
- 2024 Open Enrollment Worksheet - for Health, Dental, and FlexCash enrollment/changes.
- Dental Plan Enrollment Authorization Form - use for any Dental plan changes or dependent additions or deletions.
- FlexCash Enrollment Form - if you have non-CSU employer group health or dental coverage and wish to enroll in FlexCash (if changing from a CSU health or dental plan, you must fill out a health and/or dental form to terminate your enrollment before you can enroll in the FlexCash program).
- VSP Premier Plan Enrollment - contact VSP directly to enroll, change, or cancel coverage by either using the VSP website or by calling them at 1-800-400-4569. No VSP hard copy enrollment forms will be processed.
- Legal Assistance Plan - Visit the ARAG for any ARAG cancellations or enrollments. You may also contact them at (800) 247-4184 if you have any questions.
- Pet Insurance - Visit the Nationwide website for any Pet Insurance for any cancellations or enrollment.
- Life Insurance, Accident, Critical Illness Insurance - Visit The Standard website for any Accident Insurance, Critical Illness Insurance, and Life Insurance changes, cancellations, or enrollments.
- Auto & Home Insurance - Visit the California Casualty website for information about auto, home, or renters insurance enrollment.
HCRA / DCRA - Health Care / Dependent Care Reimbursement Account - 2024 Enrollments
To enroll or re-enroll in the Health Care and/or Dependent Care Reimbursement Accounts for 2024, please complete the following enrollment form(s):
- 2024 HCRA/DCRA Enrollment Form - participation in these plans must be renewed annually during Open Enrollment.
View the CalState Open Enrollment Webpage
- CalState Open Enrollment Webpage - please select Monterey Bay as your campus and use your CSUMB password login.
**PLAN EARLY**
Turn your forms in early to Human Resources to ensure your changes are received before the Open Enrollment deadline of October 13, 2023. Forms may be returned to Human Resources:
- Drop off forms to the Tide Hall (bldg. 23) locked mailbox on the outside of the building
- Email to benefits@csumb.edu
- Send through Adobe Sign - to tgiroux@csumb.edu
- Fax to (831) 582-3572
Submit forms as early as possible, but no later than October 13, 2023.
Update Beneficiary Information
Open Enrollment is also a great time to update your beneficiary information for the following benefit plans (Beneficiary forms are located on the Benefit forms webpage):
- CalPERS Retirement
- Life Insurance
- Supplemental Retirement Plans (401(k), 457, 403(b) plans);
- 403(b) Plan (CSU-sponsored)
- 401(k) & 457 Plans (administered by Savings Plus Program)
- Final Pay Warrant - Submit to Human Resources