Benefits Open Enrollment
2026 Benefits Information
OPEN ENROLLMENT (October 1-31, 2025) is a once-a-year opportunity to review your benefit choices, change plans, add or drop dependents, and enroll or re-enroll in Flexible Spending Accounts (FSA). All requested changes must be made by October 31, 2025. During Open Enrollment, you choose benefits for January 1, 2026, through December 31, 2026. After Open Enrollment ends, you cannot change your benefit elections until the next Open Enrollment in October 2026, unless you experience an eligible life event, like a change in your marital status, a new baby or child in the family, or the loss of other healthcare coverage. You must notify HR within 30 days of a qualifying event. Enrolling a spouse or registered domestic partner will necessitate the submission of a marriage certificate or official documentation to HR alongside the completed enrollment form, while enrolling dependent children will require a birth certificate. Details on next year’s benefits are available in the 2026 Benefits Summary Booklet (PDF).
TO START, you should explore your options by reviewing the information below and then visiting the Online Portal to make election changes for the upcoming plan year. If you wish to keep your current benefit elections, no further action is needed unless you are either waiving coverage for 2026 or enrolling in the 2026 FSA (requires annual enrollment).
What’s New or Changing in 2026?
- Navitus – New pharmacy benefits manager for Anthem members in 2026 (PDF). Navitus has high member experience ratings and will reach out to members regarding prescriptions if needed. Quick Guide (PDF) and Cost Summary Sheet for HMO and PPO (PDF)
- Digbi Health – Replacing Livongo for 2026. Diabetes and weight management provider with many life changing benefits. Flyer and Journey (PDF)
- Anthem Total Health Select – Each Anthem enrollee will be assigned a family advocate who can assist in finding care, managing treatment plans, and more. Anthem Total Health Connections (PDF)
- CHUBB Voluntary Long-Term Care – Guaranteed coverage available up to $100k for all benefit eligible employees, excluding those previously declined coverage.
- FSA Maximums for 2026: Healthcare FSA – $3,300/Dependent Care FSA-$5,000
Important notice to ºÚÁÏÍø State employees: Please visit instead.
Please visit portal to make changes or enroll in medical, dental, vision and FSA coverages. Download the CSURMA 2026 Open Enrollment Login Instructions (PDF) for instructions on how-to navigate portal. You must login and establish a password. Once in the portal, it will walk you through enrolling and/or making changes to your medical, dental, vision and/or FSA coverage for you and your eligible dependents, as applicable. If you wish to leave your health coverage as is, you do not need to do anything in the portal. If you would like to enroll in the FSA, you will need to provide the required information.
No election form needed if not changing coverage. Instructions for finding medical provider for Anthem or Kaiser (PDF).
Medical insurance carriers for employees.
- Anthem Blue Cross PPO 80 Benefit Summary 2026 (PDF)
- Anthem Blue Cross Traditional HMO Benefit Summary 2026 (PDF)
- Kaiser Permanente HMO Benefit Summary 2026 (PDF)
Opting out of medical and/or dental coverage?
You are required to complete and sign a 2026 Waiver of Health Insurance Form (PDF) (required each year with copy of current insurance card) and provide proof of non-Research Foundation health plan coverage.
If waiving medical and/or dental coverage you are entitled to receive monthly Flex Cash, in the amount of $128.00 for medical and $12 for dental. Please review the Flex Cash Fact Sheet (PDF) and complete a Flex Cash Enrollment Form (PDF).
| BLUE CROSS HMO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Blue Cross HMO EE Only | $950.50 | $950.50 | $0.00 |
| Blue Cross HMO EE + 1 | $1,898.50 | $1,898.50 | $0.00 |
| Blue Cross HMO EE + 2 | $2,689.50 | $2,638.50 | $51.50 |
| KAISER HMO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Kaiser EE Only | $758.50 | $758.50 | $0.00 |
| Kaiser EE + 1 | $1,563.50 | $1,563.50 | $0.00 |
| Kaiser EE + 2 | $2,043.50 | $2,043.50 | $0.00 |
| BLUE CROSS PPO | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Blue Cross PPO EE Only | $1,185.50 | $1,084.00 | $101.50 |
| Blue Cross PPO EE + 1 | $2,374.50 | $2,057.00 | $317.50 |
| Blue Cross PPO EE + 2 | $3,358.50 | $2,638.00 | $720.50 |
Delta Dental PPO Plan B Benefit Summary 2026 (PDF). No election form needed if not changing coverage.
| Delta | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| Delta EE Only | $43.00 | $43.00 | $0.00 |
| Delta EE + 1 | $85.80 | $64.40 | $21.40 |
| Delta EE + 2 | $132.90 | $87.96 | $44.94 |
Delta Dental Life Perks - A new program offered to all Delta Dental members that offers lifestyle savings with their partners for Lasik eye surgery and hearing aids (PDF).
VSP Vision Choice Plan C with Tints & CVC Benefit Summary 2026 (PDF). No election form needed if not changing coverage.
| VSP Vision Care | Total Monthly Carrier Premium | Total Monthly Employer Contribution | Total Monthly Employee Out-of-Pocket Responsibility |
|---|---|---|---|
| VSP EE Only | $11.20 | $11.20 | $0.00 |
| VSP EE + 1 | $14.80 | $13.00 | $1.80 |
| VSP EE + 2 | $24.10 | $17.66 | $6.44 |
The Research Foundation offers a Flexible Benefits Plan which is administered by Benefit Coordinators Corporation (BCC)/SmartCare to all FTR and PTR benefitted employees. In addition to pre-tax health care premium benefits, our Flexible Spending Accounts (FSAs) allow for pre-tax deductions up to $3,200 annually for health-related expenses and up to $5,000 annually for dependent care expenses. Benefitted FTR and PTR benefitted employees are eligible for participation in the FSA during Open Enrollment each year (January 1st). This benefit requires that participants enroll annually.
Please download the 2026 FSA Enrollment Form (PDF).
Please download the 2026 ºÚÁÏÍø Research Foundation Annual Notice (PDF).
The notice covers:
- Medicare Part D Notice
- Women’s Health and Cancer Rights Act
- Newborns and Mothers’ Health Protection Act
- HIPAA Notice of Special Enrollment Rights
- Availability of Privacy Practices Notice
- Notice of Choice of Providers
- Premium Assistance under Medicaid and the Children’s Health Insurance Program (CHIP)
- Notice of Certain Deadline Extensions and Summary of Material Modifications
- ACA Disclaimer
- The ‘No Surprises’ Rules
Open enrollment questions, please to contact Stephanie Moreno at stephanie.moreno@csulb.edu or 562.985.7949.
