Medical

Coverage Information

California Public Retirement System (CalPERS), is the administrator of our medical and retirement plans. CalPERS offers a variety of medical insurance plans, including HMO & PPO.

  • HMOs (Health Maintenance Organization) offer a range of health benefits including preventative care. Employees select a primary care physician who coordinates all care including referral to specialists. If you go outside the HMO's provider network without a referral, you may be responsible for the total cost of the services.

  • PPOs (Prefered Provider Organization) offer members the freedom to select primary care providers and specialists without referrals. If you go outside the PPO network, co-payments will be higher. Furthermore, annual deductibles must be met before some benefits apply.

2026 Health Plan Rates (PDF) 2026 Health Benefit Summary (PDF) CalPERS Health Plan Guide (PDF) CalPERS

Health Maintenance Organizations (HMO)


Contact: 855-839-4524

Preferred Provider Organizations (PPO)


Resources

  • Allow 7-10 business days to receive medical cards for you and any eligible dependents in the mail.

  • CalPERS will mail medical cards based on physical address, not mailing address on file. To verify your address is up to date, log into your MyCPP portal AND MyCalPERS account.

  • Contact your health plan directly, if you do not receive your medical cards, by using Benefits Provider Contact List (PDF).

  • To find medical plans available in your area go to the CalPERS Health Plan Search by Zip Code.