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Medical Plans

Medical coverage for eligible CSU employees and/or eligible dependent is provided through the California Public Employees' Retirement System (CalPERS) and is governed by the provisions of the Public Employees' Medical and Hospital Care Act (PEMHCA).

Health Maintenance Organizations (HMO's)

HMOs 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.

Preferred Provider Organizations (PPO's)

PPOs 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.