Benefits Open Enrollment

2024 Benefits Information

Open enrollment took place from October 2nd to October 17th, 2023, with all changes becoming effective on January 1, 2024. Enrolling a spouse or registered domestic partner will necessitate the submission of a marriage certificate or official documentation alongside the completed enrollment form, while enrolling dependent children will require a birth certificate.

IMPORTANT NOTICE TO STATE EMPLOYEES: Please visit instead.

Please visit for medical, dental, vision and FSA coverages. Download the CSURMA 2024 Open Enrollment Login Instructions (PDF) for instructions on how-to navigateportal. 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. If you would like to enroll in the FSA you will need to provide the required information. While navigating through the portal, please refer to the portal Forms Library for useful resources like the 2024 Premium Rate Sheet (PDF) and carrier benefit plan summaries, etc.

No election form needed if not changing coverage.

Medical insurance carriers for employees.

Opting out of medical and/or dental coverage?

You are required to complete and sign a 2024 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 Premium Rates Effective 01/01/2024-12/31/2024
BLUE CROSS HMO Total Monthly
Carrier Premium
Total Monthly
Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Blue Cross HMO EE Only $782.50 $782.50 $0.00
Blue Cross HMO EE + 1 $1,564.50 $1,564.50 $0.00
Blue Cross HMO EE + 2 $2,215.50 $2,215.50 $0.00
Kaiser HMO Premium Rates Effective 01/01/2024-12/31/2024
KAISER HMO Total Monthly
Carrier Premium
Total Monthly
Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Kaiser EE Only $624.50 $624.50 $0.00
Kaiser EE + 1 $1,287.50 $1,287.50 $0.00
Kaiser EE + 2 $1,683.50 $1,683.50 $0.00
Blue Cross Premium PPO Rates Effective 01/01/2024-12/31/2024
BLUE CROSS PPO Total Monthly
Carrier Premium
Total Monthly
Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Blue Cross PPO EE Only $976.50 $976.50 $0.00
Blue Cross PPO EE + 1 $1,956.50 $1,890.00 $66.50
Blue Cross PPO EE + 2 $2,767.50 $2,366.00 $401.50

Delta Dental PPO Plan B Benefit Summary 2024(PDF). No election form needed if not changing coverage.

2024Dental Rates
Delta Total Monthly
Carrier Premium
Total Monthly
Employer Contribution
Total Monthly Employee
Out-of-Pocket Responsibility
Delta EE Only $41.50 $41.50 $0.00
Delta EE + 1 $82.90 $62.20 $20.70
Delta EE + 2 $128.30 $84.90 $43.40

VSP Vision Choice Plan C with Tints & CVC Benefit Summary 2024(PDF). No election form needed if not changing coverage.

2024Vision Rates
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

Please download the2024 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