UNDERSTANDING HOW DIFFERENT HEALTH PLANS WORK The health and well-being of our employees are important, and we encourage you to make sure your benefts work for you. Stay informed and be sure you understand your choices and how the different types of health plans work. PPO Health Plans EPO Health Plans HMO Health Plans (Preferred Provider (Exclusive Provider (Health Maintenance Organizations) Organizations) Organizations) • You choose from a network of • You select in-network providers • You and your eligible family members preferred providers. A primary care when seeking medical care, must select a primary care physician, physician is not required and no but a primary care physician who is responsible for coordinating referrals are necessary for other and referrals are not required. your health care, including any referrals in-network providers. Offers in-network coverage only. to a specialist. • You will pay more to use an • Requires you to receive care through out-of-network provider. Members Anthem Blue Cross a network of providers. are subject to an annual deductible. (Del Norte County) Anthem Blue Cross Traditional & Select Blue Shield Access+ Blue Shield Access+ PERS Platinum, PERS Gold and PORAC* (Various counties) Blue Shield Trio Health Net Salud y Mas *PORAC is restricted to paying members of Peace Kaiser Offcers Research Association of California Sharp Performance Plus California UnitedHealthcare Alliance UnitedHealthcare Harmony Western Health Advantage The CSU will offer the following health plans in 2024: PPO Plan Options EPO Plan Options HMO Plan Options 2 • PERS Platinum • Anthem Blue Cross • Anthem Blue Cross Traditional 3 • PERS Gold • Blue Shield Access+ • Anthem Blue Cross Select • PORAC1 • Blue Shield Access+ 6 • Blue Shield Trio • Health Net Salud y Mas • Kaiser Permanente 4 • Sharp Performance Plus California • UnitedHealthcare Alliance 7 • UnitedHealthcare Harmony 5 • Western Health Advantage 1 5 Restricted to paying members of Peace Offcers Research Association Restricted to the Bay Area, Humboldt, Sacramento and other northern regions. of California (PORAC). 6 Available only in Butte, El Dorado, Kern, Kings, Los Angeles, Monterey, Nevada, Orange, Placer, 2 Available only in Del Norte County. Riverside, Sacramento, Santa Barbara, Santa Cruz, San Bernardino, San Luis Obispo, Stanislaus, 3 Tulare, Ventura and Yolo counties. Available only in Alpine, Calaveras, Colusa, Del Norte, Inyo, Lake, Lassen, 7 Mendocino, Modoc, Mono, San Benito, Shasta, Sierra, Siskiyou, Tehama, Trinity, Available in Los Angeles, Orange, Riverside, San Bernardino, Santa Clara, Santa Cruz and Tuolumne and Plumas counties. San Diego counties. 4 Available to residents of San Diego county. 8