Health Plan Options

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ACERA offers a range of healthcare plan options to ACERA retirees, dependents, and survivors who are receiving a monthly pension benefit from ACERA. Members can enroll family members in coverage. Members who qualify can receive subsidies to offset health plan costs (though not for family members). The plans available, their coverage levels and costs, are subject to change from year-to-year. A summary list of plans and costs is below. Find the full plan details in the Retiree Enrollment Guide. 

Retiree Enrollment Guide

 

Medical Plans

2023 Non-Medicare Plans and Costs

Available to members who are not yet eligible for Medicare (generally, those under age 65)

Plan Self Premium Self+1 Family Co-pays
Kaiser Permanente HMO

$909.74 

$1,819.48 

$2,574.60 

$15
UnitedHealthcare SignatureValue HMO

$1,290.92 

$2,581.72 

$3,653.08 

$15
UnitedHealthcare SignatureValue Advantage HMO

$843.94 

$1,687.72 

$2,388.08 

$15
Via Benefits individual plan if you live outside group plan service areas Varies Varies Varies Varies

2023 Medicare Plans and Costs

Available to members who are eligible for Medicare (generally those over age 65 or with certain qualifying medical conditions)

Plan Self Premium

Self + 1

2 w/ Medicare

Self + 1

1 w/ Medicare

Family

2 w/ Medicare

Family

1 w/ Medicare

Kaiser Permanente Senior Advantage (KPSA)

$316.81 

$633.62 

$1,226.55 

$1,388.74

$1,981.67 

Via Benefits individual plan Varies Varies Varies Varies Varies

To enroll in an ACERA-sponsored Medicare plan, you must first sign up for and maintain enrollment in Medicare Parts A and B. Members who qualify can receive a Medicare Part B Reimbursement to offset the cost of being enrolled in Medicare Part B. See the Medicare and ACERA page for more information on how ACERA plans work with Medicare.

 

Dental and Vision Plans

ACERA’s dental and vision plans provide participants with access to coverage through a nationwide network of providers. Monthly premiums are subsidized and enrollment is mandatory for retirees who have:

  1. 10+ years of ACERA service credit
  2. Service-connected disability
  3. Non-service-connected disability retirement prior to 2/1/2014

Retired members with less than 10 years of ACERA service credit and other payees may enroll in a voluntary plan which offers the same coverage, but no subsidy is available.

2023 Dental Plans and Costs

10+ Years ACERA Service Credit or 2 & 3 Above

Mandatory Enrollment

Plan Self  Premium / Subsidy Self + 1 Family
Delta Dental PPO (Nationwide)

$51.24 

$99.32 

$174.91 

DeltaCare USA (CA Only) $22.18 $36.64 $54.13

 

Less Than 10 Years ACERA Service Credit

Voluntary Enrollment

Plan Self Premium Self + 1 Family
Delta Dental PPO (Nationwide)

$74.78 

$122.10 

$196.39 

DeltaCare USA (CA Only) $31.05 $45.51 $63.00

 

2023 Vision Plans and Costs

10+ Years ACERA Service Credit or 2 & 3 Above

Enrollment is mandatory for the VSP Standard plan at minimum. Members can buy up into the VSP Premium plan, but the subsidy will remain at $4.63, so premium plan enrollees pay the difference between their premium and the subsidy. 

Plan Self Premium Self + 1 Family
VSP Standard

$4.63

Subsidy

$6.73 

$12.08 

VSP Premium

$16.63 

$24.15 

$43.36 

 

Less Than 10 Years ACERA Service Credit

Voluntary Enrollment

Plan Self Premium Self + 1 Family
VSP Standard

$6.69 

$9.70 

$17.42 

VSP Premium

$18.43 

$26.77 

$48.07