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California State University, Long BeachCalifornia State University, Long Beach

Health Benefits Programs

Program

A variety of health plans are available. Provisions of Collective Bargaining Agreements may modify the CSU health plan contribution level.

Eligibility

Employees qualified for benefits have 60 days from the date of their appointment to sign-up for benefits.

Employees are eligible for benefits if appointed half-time or more for a period of more than six (6) months.

Lecturers and Coaches appointed based on the academic-year calendar for two (2) or more consecutive quarters (one appointment letter) at .4 timebase or greater are eligible for benefits. Coaches and Lecturers (Non-academic calendar year) are eligible for benefits if appointed half-time or more for a period of more than six (6) months. Click here to view faculty benefits eligibility details.

Employees appointed on an hourly, intermittent basis do not qualify for benefits.

An enrolled employee may carryover coverage into a position with an appointment of less than 6 months as long as the time base is half time or more (.4 for lecturers/academic-year calendar), and there is no break in service in excess of a full pay period or more. The coverage will continue indefinitely when subsequent appointments of less than 6 months apply, as long as the time base does not fall below half time (.4 for lecturers/academic-year calendar), and there are no breaks of a full pay period or more.

Click here to view faculty benefits eligibility details.

Click here to find out about your options if you are not eligible for benefits.

Basic Services

Comprehensive hospital, surgical, physician, prescription, x-ray, lab and emergency services are provided in all health plans. Review PERS Health Plans booklet PERS-HBD-DO-29 for health plan summaries. Individual health plan brochures are also available in the Payroll & Benefit Services Office. There are two (2) general types of health plans available Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO).

HMO

There are two (2) types of HMO plans: 1) Clinic/hospital based plans of which you must use one specific clinic or hospital for all services (e.g. Kaiser Health Plan); and 2) Individual practice plans of which you must use contracted doctors/hospitals designated on plan lists for all services (e.g. Aetna and Maxicare). Generally, no deductibles and no claim forms are required. World-wide emergency coverage is provided with all plans. Geographical restrictions apply.

PPO

There are two (2) PPO plans available by CalPERS: PERS CARE and PERS-CHOICE. Both plans are administered by Blue Cross. These plans contract with specific doctors/hospitals for full benefits offered. You may use non-contracted providers and receive benefits; however, your co-payments will be greater.

Out of service area residents receive full benefits. Generally, deductibles and claim forms are required. World-wide coverage is provided.

New Enrollment

Complete a Health Enrollment Form, HBD-12, at the Payroll & Benefit Services Office. Be sure to have available your spouse's Social Security Number and a copy of your marriage certificate if enrolling a spouse. The deadline for enrollment is 60 calendar days from date of eligibility. For staff and administrators, coverage becomes effective the first of the month following the date the enrollment form is signed and submitted to the Payroll & Benefit Services Office . Faculty who enroll within the first pay period of the semester are covered October 1 for the fall semester (March 1 for spring tenure track appointments).

Open Enrollment

If you do not enroll by the 60th calendar day of eligibility, you must wait until the "open enrollment" period or enroll under HIPAA's late enrollment policy. If you wish to change health plans, you must wait until the open enrollment period.

If you become ineligible because of a change in employee status or time base, or your dependent(s) become ineligible, coverage may be continued under the provisions of COBRA. Please contact the Payroll & Benefit Services Office (BH-353, ext. 5-4164) for completion of documents and details.

Direct Pay

If you go on a leave of absence without pay or are otherwise in an approved non-pay status, you may elect to pay the full premium for your coverage. Please contact the Payroll & Benefit Services Office for details.

Flexcash Plan

FlexCash is an optional benefit plan that allows you to waive medical and/or dental insurance plan(s) in exchange for cash if you have other non-CSU coverage. You may enroll in FlexCash within 60 days of eligibility or a change in family status as defined by the IRS; OR during Open Enrollment (or within 60 days of a return from a leave of absence that was during the open enrollment period). Please see the CSU FlexCash Plan brochure for details.

For more information, please see the following.

This is the summary of health benefits and is not to be construed as a substitute for the CalPERS Health Plan Guide or the Evidence of Coverage booklet for a specific plan.