endstream endobj 50 0 obj <>/Metadata 6 0 R/Names 67 0 R/Outlines 11 0 R/Pages 47 0 R/StructTreeRoot 12 0 R/Type/Catalog/ViewerPreferences 68 0 R>> endobj 51 0 obj <>/MediaBox[0 0 612 792]/Parent 47 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 3/Tabs/S/Type/Page>> endobj 52 0 obj <>stream With inflation accelerating costs in most areas, school districts received some good news from CalPERS, the pension fund serving school employees other than teachers and administrators. 794 0 obj <>/Filter/FlateDecode/ID[<0BD19A9AC0A0A74093463BA0DD64E1FF>]/Index[780 32]/Info 779 0 R/Length 77/Prev 127701/Root 781 0 R/Size 812/Type/XRef/W[1 2 1]>>stream 0000117200 00000 n 2021 Rates Updated as of 02/01/2021 for Rank and File Employees. Privacy Policy endstream endobj 84 0 obj <>/Filter/FlateDecode/Index[7 40]/Length 20/Size 47/Type/XRef/W[1 1 1]>>stream Effective July 1, 2023, the employee contribution rates for Miscellaneous, Safety and Industrial members shall increase by one half percent (0.50%) . endobj to 6.9 percent. $@[ >UYy^. State contribution increases. Access Anthem Blue Cross Transparency in Coverage Machine Readable Files on their website. 18 0 obj All Employee Groups (except Teamsters 2010 - Unit 6) - Unit 6 2021 Amount Paid by EmployeeEmployee 2020 Amount Paid by Employee 2021 Amount Paid by 2020 Amount Paid by Anthem Blue Cross Select . And rates will come down gradually over the following four years until reaching 22.5% of salary in 2026-27. <> contribution rates and a reduced discount rate. View all health plan Summary of Coverage and Evidence of Coverage documents. PUBLISHED: December 3, 2021 at 12:56 p.m . 0000001076 00000 n While the rationale of this practice wasto help reduce state funding increases and to examine more closely the cost of annual general salary increases and hiring ofnew employees, that has always been a key consideration as the CSU must balance the need to serve students with the level of funding available to the university, particularly as tuition rates have remained relatively constant since 2011-12 with only a $270 per year increase in 2017-18. Complicating all of this, the CalPERS board is in the final 0000001328 00000 n employer contributions in this report do not reflect any cost sharing arrangement you may have with your employees. <]/Prev 134159/XRefStm 1328>> All health plans have geographical restrictions except for PERS Platinum. This plan has no geographical restrictions. endobj Contributions next year will still be a record high, jumping from 22.92% of an employees salary in 2021-22 to 25.40%, but that will be 0.7% less than had been forecast. The following table provides a ten-year overview of CalPERS employer-paid retirement contribution rates and adjustments from 2011-12 through 2020-21: Beginning with the 2013-14fiscal year, the annual state budget placed a limit on the states obligation to adjust CSU retirement funding due to annual changes in CalPERS rates. The 2022-23 employer-paid retirement adjustment is equivalent to an increase of $68.5 million. hbbd```b``VLA$#?} , Dr9j CalPERS assets at the end of the fiscal year stood at more than $469 billion.. Blue Shield of California administers their own prescriptions. Log in to your member or employer account. 15 0 obj 0000004397 00000 n endstream endobj 1656 0 obj <. Employer Rate Total Rate A member who first established CalPERS membership prior to January 1, 2013, and who is rehired by a different CalPERS employer after a break in service of greater than six months. You must belong to the specific employee association and pay applicable dues to enroll in the PORAC. All rights reserved. The Enrollment Level field indicates if an employee is enrolled in a CalPERS Classic or PEPRA endobj Anthem Blue Cross EPO is available only in Del Norte county. CalPERS ID: 7895043818 Rate Plan belonging to the Miscellaneous Risk Pool Page 4 Required Employer Contributions Fiscal Year Required Employer Contributions 2021-22 Employer Normal Cost Rate 14.02% Plus, Either Or 2) Annual UAL Prepayment Option* $44,134 The Miscellaneous Tier 1 employee contribution rate established in July 1, 1976 remains in effect for employees that began state employment prior to 2013 (classic member). Zjevj`hK @2Hs10=^Aj @ @A@ Rates & Employer Contributions View How CalPERS Sets Health Premiums to get details on the rates and plans process. Copyright 2023 California Public Employees' Retirement System (CalPERS) | State of California, View all health plan Summary of Coverage and Evidence of Coverage documents, Your Rights and Protections Against Surprise Medical Bills (PDF), California Health Care Quality Report Cards, COVID-19 Test Kits for CalPERS Health Plan Members, Uniform Glossary of Health Coverage and Medical Terms (PDF), Your Guide to Choosing a Health Plan (PDF), PERS Platinum Supplement to Medicare Plan, UnitedHealthcare Group Medicare Advantage. The remaining two percent of CSU employees with CalPERS retirement benefits have designated CalPERS Peace Officer/Firefighter benefit levels. These rates reflect the employee wages and benefits that are valued at least 85 percent of the state employer cost of . 66 0 obj <>/Filter/FlateDecode/ID[<96B32480A50DBF40ADD9EFB432588241><6AA6A6B0CE55104A83D40B41F76D5E16>]/Index[49 41]/Info 48 0 R/Length 90/Prev 132668/Root 50 0 R/Size 90/Type/XRef/W[1 3 1]>>stream participate in the CalPERS Are you a retiree? endobj decided. endobj 10 0 obj Previous projections reflect rates at the time of the Governor's Budget proposal. <> 0000115833 00000 n 0000116358 00000 n 811 0 obj <>stream The CalPERS defined benefit pension plan is funded by employer-paid contributions, employee contributions, and the plan's investment earnings. You can also log in to myCalPERS to use the Search HealthPlans tool to research the health plan coverage and benefits most important to you and your family. in the 2023-24 fiscal year (schools and the state are affected Returns of at least 17 percent would The expected. 85 0 obj <>stream but the contribution rates for . months of its The table below shows the minimum required employer contributions and the Employee PEPRA Rate for fiscal year 2021-22 along with an estimate of the required contribution for fiscal year 2022-23. The CalPERS board is expected to approve the new projected rates at its board meeting in April. View the 2022 COBRA premiums by region (PDF). gq6cr~r6>oZ stream <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 24 0 R/Group<>/Tabs/S/StructParents 1>> Access Blue Shield of Californias Transparency in Coverage Machine Readable Files on their website. 0000117225 00000 n |D9EV$ZW^1vZ\PWQx . 12 0 obj "s4hQ7$K)2_7jt@|Zcr7}[4$_ $^$r/If&[uxX,=9Xp[Qy{M;Ufqvwk=]V|=+c~:#R>:iLew8Nr0Y-6LTcYAV}{X6/Ec-IJ9r%jbR6!$BIVbpMmNRDR-uQ:L%rZ;Y+kQRM \kc2h N(1J+9mHk\Ym RMK,fzb <> Pension reform changes began in 2010 and continued to be expanded through 2013. board and committee meetings over the next few months, where 2PERS Cost Share is the employee contribution towards the employer's Normal Cost (NC) Rate. endobj HTM0+U8Zd+V=4^LmUKfA''!J}}Hi0$cx0d=,(Ys,[i3!!}oi?,LWps3}X~;<3Qu}>]adCuqO!dm9H!~+TaE@e2.FP,zF{|o <> For more information, visit CalHR. The Actuarial Office has completed the calculation of the employer contribution rate for the over the past year. Access Sharp Health Plans Transparency in Coverage Machine Readable Files on their website. California Correctional Peace Officers Association (CCPOA) (PPO). <> zaQ'9wA2ec)& ]C JJb'(Fy->Q/fY. for employers and employees. How are Christians received at a California public university? They had been projected to increase substantially over that period, to 27.60%. (PORAC) (PPO). 0000002239 00000 n hbbd```b`` "fHFM$dE`m`v1T]`,f+I!^$/']=o20Eg C At the end of the third quarter, CalPERS investments had gained <>>> This reflects a $330 million 16 0 obj portfolio, alana[remove-this-and-replace-with-at]ca211.org, dhaus[remove-this-and-replace-with-at]southlandind.com, mason[remove-this-and-replace-with-at]hipcamp.com, info[remove-this-and-replace-with-at]csacfc.org, tcarey[remove-this-and-replace-with-at]letsgetchecked.com, jgodkin[remove-this-and-replace-with-at]cglcompanies.com, moira.kenney[remove-this-and-replace-with-at]uniteus.com, christen[remove-this-and-replace-with-at]govinvest.com, michael.posey[remove-this-and-replace-with-at]lsslibraries.com, brandon[remove-this-and-replace-with-at]rescueagency.com, ben[remove-this-and-replace-with-at]gxbroadband.com, lloyd.levine1[remove-this-and-replace-with-at]t-mobile.com, chelsea.machado[remove-this-and-replace-with-at]essvote.com, Courtney.hastings[remove-this-and-replace-with-at]qlik.com, kfuentes[remove-this-and-replace-with-at]drcusa.com, gbalter[remove-this-and-replace-with-at]opengov.com, t.main[remove-this-and-replace-with-at]procureamerica.org, andrew.keifer[remove-this-and-replace-with-at]blueshieldca.com, jfiske[remove-this-and-replace-with-at]baronbudd.com, laura[remove-this-and-replace-with-at]caltrust.org, sarah.qureshi[remove-this-and-replace-with-at]nexteraenergy.com, cathy.varner[remove-this-and-replace-with-at]peraton.com, JB1F[remove-this-and-replace-with-at]pge.com, tbacon[remove-this-and-replace-with-at]us.ibm.com, mdiel[remove-this-and-replace-with-at]cchi4families.org, bm3620[remove-this-and-replace-with-at]att.com, narshi[remove-this-and-replace-with-at]alliant.com, michael.prosio[remove-this-and-replace-with-at]wellpoint.com, cbarna[remove-this-and-replace-with-at]cscda.org, monica.cardielcortez[remove-this-and-replace-with-at]cgi.com, joe.feliciani[remove-this-and-replace-with-at]welldynerx.com, beth_hester[remove-this-and-replace-with-at]comcast.com, rbrush[remove-this-and-replace-with-at]csac-eia.org, dsandall[remove-this-and-replace-with-at]dlrgroup.com, steven.bennett[remove-this-and-replace-with-at]dominionvoting.com, Lisa.m.holmes[remove-this-and-replace-with-at]ehi.com, pmello[remove-this-and-replace-with-at]hansonbridgett.com, allison.barnett[remove-this-and-replace-with-at]healthnet.com, Jennifer.Scanlon[remove-this-and-replace-with-at]kp.org, bilor[remove-this-and-replace-with-at]nationwide.com, ewestrom[remove-this-and-replace-with-at]synoptek.com, mwall[remove-this-and-replace-with-at]uhc.com, bob.fletcher[remove-this-and-replace-with-at]vanir.com, creheis[remove-this-and-replace-with-at]wspa.org. 1675 0 obj <>/Filter/FlateDecode/ID[<0C44AE0D0F30B74FAB1FABB2FE4480B8>]/Index[1655 30]/Info 1654 0 R/Length 101/Prev 259246/Root 1656 0 R/Size 1685/Type/XRef/W[1 3 1]>>stream 1100 K Street, Suite 101,Sacramento, CA 95814 (916) Log in to your member or employer account. All employees Classic 3% @ 50 0.00% 9.00% 12.00% 22.930% 31.930% Hired on or after 1/1/13 New Member 2.7% @ 57 13.00% 0.00% 0.00% 22.930% 22.930% CalPERS Contributions for all employees internet FY 21-22 Rates CH 06/17/2021 Non-represented Executives -Sworn Member Contribution Employee Rate Employer Normal Cost Rate Miscellaneous and Safety For 2019-20, 2020-21, and 2021-22, employers' rates are offset by contributions from the state on their behalf, resulting in lower effective contribution rates compared to actual rates received by the pension systems. All Rights Reserved. these consequential issues will be discussed, debated, and HTMo@+QvEJHHHU.+i n~g6jJN Z$@Uh We serve those who serve California. endstream endobj 1113 0 obj <>/Metadata 110 0 R/Names 1127 0 R/OCProperties<>/OCGs[1129 0 R 1130 0 R]>>/Outlines 203 0 R/OutputIntents[<>]/Pages 1110 0 R/StructTreeRoot 208 0 R/Type/Catalog/ViewerPreferences 1128 0 R>> endobj 1114 0 obj <>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 49/Tabs/S/Type/Page>> endobj 1115 0 obj <>stream 21 0 obj employers. benefit of the extraordinary investment gains between future [ 20 0 R] less volatile investments and have a better chance to meet its Mitigation Policy would trigger a reduction of the discount rate Fiscal Year Employer Normal Cost Rate Employer Amortization of Unfunded Accrued Liability Employee PEPRA Rate 2021-22 11.56% $5,671,931 8.00% Projected Results 2022-23 11.2% $6,133,000 TBD This plan is only available in California. CalPERS provides pensions for employees of Santa Clara County and most cities except San Jose and San Francisco. CalPERS reported a preliminary 21.3% net return on investments for the 12-month period that ended June 30, 2021. The results of that review could result in a decision Retirement Benefit Formulas State employee retirement benefits vary due to pension reform established in 2010, 2011, and 2013 through bargaining and legislative changes. discount rate and commensurate changes to the investment portfolio, a review that could also result in a reduced 0000005031 00000 n <> endobj hbbd``b`Z$R "` b ,A#`@b} ab`` ( The employee contribution rate for this group is subject to Government Code Section 20687, which provides that employee retirement contribution rates shall be half of the normal cost of CalPERS retirement benefits, which is currently 10.5 percent of compensation in excess of $238 per month. 0000002853 00000 n Code . You may also use our online service, the Health Plan Search by ZIP Code. Employees in Bargaining Units 2, 7, 8, 16, 17, 18, and 19, and excluded employees, receive a Consolidated Benefits (CoBen) Allowance to use for health and dental insurance. 3 0 obj hTmO0+iB~*5}$`(cZZTIsM ;;sF81 (Z AD^)]H H4`bw>"pp^g1D15zq9&7|IoVb^V~Zg2~fiv7? endobj %%EOF Kaiser Permanente Senior Advantage Summit is available as of January 1, 2023. HRK0WQJ--, .vKK@Cd;l@df|&y;|}l^#|UB@prVC(`PoEW9{h,`b'BD4G$W0GHjK:LcTH]X! Analysis Schools Employer Contribution Rates for 2020-21 . reduce the rate to 6.85 percent, returns of 20 percent would 0000072907 00000 n the fiscal year, if that number holds, the Funding Risk <> 24 0 obj Restoration of 2020-21 General Fund Reduction, Historical Marginal Cost Enrollment Funding, Professional and Continuing Education (PaCE). ' endobj 0000008525 00000 n The CCPOA plan is available only to dues-paying members of that organization and their families. 15 percent for the year, over twice the assumed rate of 7 For reference regarding 2020-21 employer-paid retirement rates, see CSU Human Resources Administration, Technical Letter HR/Benefits 2020-13., Employee Retirement Contributions (for informational purposes only). Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. Effective September 1, 2021, OPEB contributions are calculated as part of each payment in which pensionable compensation is issued, including those received bi-weekly, or as an adjustment to previously issued earnings. 19 0 obj PEPRA members for Calendar Year 2021 will increase to $128,059 for members participating in the federal system (7522.10(c)(1) limit) and $153,671 for members not participating in the federal system (7522.10(c)(2) limit). The exhibit below displays the minimum required employer contributions and the Employee PEPRA Rate for Fiscal Year 2020-21 along with an estimate of the required contribution for Fiscal Year 2021-22. For employees with state employment dates on January 1, 2013 or later (new CalPERS member), the employee retirement contribution rate is determined by the Public Employees Pension Reform Act of 2013 (PEPRA). 22 0 obj portfolio. %PDF-1.7 % endobj 0000006427 00000 n <> 0000116593 00000 n 89 0 obj <>stream Peace Officers Research Association of California endstream endobj startxref The Panel intends to provide similar calculations in future years. the Employer Contribution Retirement Rate for State Miscellaneous members is 29.37% and for State Safety members is 19.95% (Source: CalPERS). Check with your employer to determine your contribution amount. The following CSU Systemwide Human Resources technical letters provide further details on pension reform measures: You may be trying to access this site from a secured browser on the server. regular, though infrequent, review of its investment %PDF-1.6 % %PDF-1.7 % HlSk0~_qO,lC)$i:Zf{(azU`y)!e4;t?%]e2/ startxref *CoBen is the employer-provided benefit allowance for employees in bargaining units 2, 7, 8, 16, 17, 18, and 19, and excluded employees, to offset the cost of health, dental, and vision benefits. 11 0 obj 0 Meanwhile, the contribution rate of employees hired after Jan. 1, 2013, when the pension reform law known as PEPRA took effect, will rise from 7% to 8% of pay. 4 0 obj 0000115043 00000 n endobj could be reduced further. 0000001652 00000 n its investment goals, however, the result is an unfunded The policy, called the Funding Risk Mitigation Policy (pdf), 780 0 obj <> endobj However, the extraordinary gains over the past fiscal year will You must belong to the specific employee association and pay applicable dues to enroll in the CCPOA. Californias juvenile justice system seeks to end the incarceration of girls and young women, West Contra Costa Unified braces for more major budget cuts, Legislative analyst opposes Newsoms plan for more funding to high-poverty schools, Financial aid access has worsened for Californias undocumented students, A data-driven approach to tackling chronic absenteeism that any school can use, State, districts and schools all have a role to play in supporting Black students, panel says, Bidens plan to forgive student loans may be in jeopardy after Supreme Court arguments, College and Covid: Freshman Year Disrupted, Education During Covid: Families Struggle to Learn. 14 0 obj trailer <> The CSU cannot hire additional employees or provide continued investment to ensure competitive salary and benefits salary without the proper level ofstate funding. California Correctional Peace Officers Association (CCPOA) (HMO). 0000117043 00000 n Final 2019-20 pensionable payroll for the CSU was 32 percent ($735.5 million) abovethe 2013-14 frozen pensionable payroll level. endstream endobj startxref CalPERS retirement contribution rates decreased for 2020-21 for the first time in several years, due in part to advanced paydown of unfunded retirement obligations, so there is no request for additional retirement funding in 2021-22. The majority of CSU employees (approximately 98 percent) with CalPERS retirement benefits fall within the CalPERS Miscellaneous Tier 1 category. x[mo8 k((PHM~p;m%YUl3-PYr^yOrI'{i7/!^8Y_?Xt$4#z/yL3K-No8FLz+b7O:`+,~pWv=FuD+p=]+c(/t(I5O4T0\}>l,# N5q1oopF\V: T^:#]PjgZAL9#BY#+j\^c:QF{]r mMZv#j23\iTTisFkz+juNhGV1uA#v ; 9---au The contents of this letter are nonbinding and advisory only, View the 2023 health premiums approved by the CalPERS Board of Administration: Below are the contribution rates. Counties that are interested are encouraged to monitor and almost certainly trigger an as-yet-unused CalPERS policy to %%EOF When a pension system fails to meet hb```b````c``ed@ AV ha`*303 h`` K"e(f`d`ddL`ehcfghp/|DLBLyvA:C'4 J {hf4#y n!g4Dq@ 2023 2022 State & CSU Members Public Agency & School Members Health Plans View all health plan Summary of Coverage and Evidence of Coverage documents. The retirement increaseamount above the frozen payroll levelis an unfunded cost for the CSU, and it continues to increase each year when pensionable payroll orretirement contribution rates increase. Some health plans are available only in certain counties and/or ZIP Codes. returns, the more the discount rate is reduced. 23 0 obj promised benefits. Allocatedto plans in proportion to State's generalfund CalPERS contributions Reduced total FY 2021-22 required contribution by approximately $1.4 billion, equivalent to 6.18% of total payroll Improved the funded ratio by about 1.2% - $268M contributed to CHP in August 2020 Will be reflected in the June 30, 2021 funded status x[rH+BP`/GH9hL}h"! percent. Employers & Business Partners. . 49 0 obj <> endobj 6 0 obj fg R]iY4tf>I|A'\"wy,-,D>dn#\Osh@9\$2.G#:76{lH$b:6mNsD 0000003423 00000 n New Members (Hired on January 1, 2013 or later): Effective July 1, 2015 the rate increased from 8.15% to 8.56% During this time, you can enroll, change health plans, add eligible dependents, delete dependents, or cancel coverage. January 1, 2023. 0000001686 00000 n CalPERS has lowered its projected contribution rates for districts significantly for the five-year period starting in 2022-23. almost ever broad investment category has enjoyed banner returns A*#ER~v:3V,S(4 20 0 obj rate of 16.92% would be the net value of the employer contribution rate when applying the state subsidy of 2.18% to the employer contribution rate likely adopted by CalSTRS of 19.1%. hb`````> yAb@*`0aTk,R.78$JR54Ubq6fs )w?"XHtHfh`h`h4`KH5@"-*H 0}@M hbbd```b``:" N -`0 NA?` 6L@DbFg` D The policy is designed to 0 year. hYk@dgH8(,]c,s7.XZKisJX.qD8*AKh <> Please enable scripts and reload this page. 2023 EdSource. 0000002105 00000 n One of the results of those investment gains endstream endobj 61 0 obj <>stream liability that results in even higher costs, especially for 0000003701 00000 n 2014 California State Association of Counties. All health plans have geographical restrictions except for PERS Platinum. endstream endobj 0 Class . nRJ-F0)(*}=! The UnitedHealthcare Group Medicare Advantage (PPO) plans include Medicare Part D prescription drug coverage. CalPERS fiscal-year 2021 returns and discount rate change also impacts its funded status. Beginning July 1, 2014, PEPRA covered members wererequired to cover half of normal costs. To find your specific health plan premium rates, choose your region from the options below: View the 2023 COBRA premiums by region (PDF). Employees hired before then will continue to contribute 7%, as guaranteed by state law. endobj Beginning January 1, 2023, Blue Shield EPO is available only in Alpine, Calaveras, Colusa, Inyo, Lake, Lassen, Mendocino, Modoc, Mono, Plumas, Siskiyou, Tehama, Tuolumne, Shasta, and Sierra Counties. The state Department of Finance processes state agency retirement adjustments during the fiscal year. If returns come in even higher, the discount rate COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts. Employer Contribution The employer contribution rate for FY 2021-22 will be 22.91%. Returns of at least 17 percent would reduce the rate to 6.85 percent, returns of 20 percent would reduce the rate to 6.8 percent, and if returns somehow exceed 24 percent the discount rate would drop to 6.75 percent. Employers & Business Partners. 0000005872 00000 n one year earlier). 1655 0 obj <> endobj %Grs7drvzYwpqqyy=G )#nr7JcP,KuyHU3Ad_E>fa,9"xS-$|OgI. Throughout the years that this budget practice has been in effect, the state or students ultimately coveredthe unfunded liability above frozen pensionable payroll because retirement costs are mandatory and unavoidable. . 1112 0 obj <> endobj 1139 0 obj <>stream endobj While states statutory obligation to adjust retirement funding based on annual rates set by CalPERScontinues (Government Code section 20814),the salary base applied to the incremental rate change is annually setin the state budget to the CSU 2013-14 pensionable payroll level as reported by the State Controllers Office. From blue chips to meme stocks, from crypto to real estate, " 9v1nNp8bGK!2kw nv4alQ*-NIW^rQx!~uwn3xt. 5" kA;X]Qq{D]C 2{MkGt_VhV$&ZVi\U@IuzWm(k+nA#xJW""xqmH7SrE.ok,.Qnm6 percent the discount rate would drop to 6.75 percent. In mid-July, when they announce their final returns for <> Visit your health plan's website to learn how benefits, claims, and payment of claims are covered, as well as the service limitations and exclusions that may apply. 1684 0 obj <>stream 0000000016 00000 n % x 3IikpF.n b"(]@T6hb( 0000007134 00000 n contribution rates for employers and some employees, although not To find health plans available in your area, refer to Health Plan Search by ZIP Code. Kaiser administers its own prescription benefits. 0000009247 00000 n These rates are effective with the first payroll period that ends in July 2021 and are in effect for fiscal year (FY) 2021-22. Access Health Net of Californias Transparency in Coverage Machine Readable Files on their website. endobj 47 39 7 0 obj The effective employer contribution rate was adjusted from 19.1% to 16.15% for fiscal year 2020-21. <> The higher the endstream endobj 781 0 obj <>/Metadata 12 0 R/Names 795 0 R/Outlines 16 0 R/Pages 778 0 R/StructTreeRoot 17 0 R/Type/Catalog/ViewerPreferences 796 0 R>> endobj 782 0 obj <>/MediaBox[0 0 792 612]/Parent 778 0 R/Resources<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 2/Tabs/S/Type/Page>> endobj 783 0 obj <>stream OptumRx is the Pharmacy Benefit Manager (PBM) providing prescription benefits for this health plan. endobj <> This ensures that your CalPERS premiums are appropriate and competitive for where you live. <> Note: The Prudent Buyer Network for CAHPs Basic and Combination Plan is available only in California and in limited areas of selected states outside of California. California Public Employees' Retirement System P.O. 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