TIPS FOR SELECTING A HEALTH PLAN You may want to consider factors such as access to doctors, range of benefts, cost of services, monthly premiums, restrictions to specifc groups of doctors, referral and authorization by a primary care physician (PCP), and access to specialist or prescription drugs and restriction on a plan formulary or list of preferred drugs. Other tips to keep in mind: • Identify your needs and the needs of your family members. • Understand the basics of how your health plan’s network is managed e.g., whether it's a PPO, EPO or HMO plan (See page 7). • Consider your out-of-pocket costs, as well as copays for prescription drugs, offce visits, lab tests and hospitalization. • Review your health plan availability by county and ZIP code. • Review your health plan’s covered benefts and exclusions. • Consider any life changes that may occur during the upcoming year. • Consider coverage if you travel or have a dependent in college in another state. CALPERS HEALTH PLAN STATEMENT The CalPERS Health Plan Statement will be available online September 11, 2023. The online statement will: • Allow you 24/7 access to view and/or print your customized health enrollment information. • Inform you of specifc health beneft changes that may affect you in the upcoming year. • Provide you with direct access to all CalPERS Open Enrollment information. Other available resources include the 2024 Health Beneft Summary, Health Program Guide, Evidence of Coverage, Open Enrollment Newsletter and the health plan websites. Log in to your personalized my|CalPERS account to access your online statement. If you do not have a CalPERS account, create one by going to the my|CalPERS login page and select “Register Now.” Please note, CSU employees are not able to change their health plan through the my|CalPERS system. Contact your campus human resources/benefts offce for additional information. To identify the available plans in your area, use the CalPERS online tool, Health Plan Search by Zip Code. 5