Employer-sponsored health insurance plans
Open Enrollment is a time of year when you can sign up for health insurance. Additionally, you may qualify to enroll if you have a qualifying life event, like losing coverage through your employer.
Open Enrollment dates depend on the type of insurance. These are the dates to enroll for coverage in 2022:
- CalPERS employees and retirees: September 18, 2023 - October 13, 2023
- Medicare Advantage: October 15, 2023 - December 7, 2023
- Individual Market: November 1, 2023 - January 31, 2024
You may check with the health plan(s) to determine if the hospital(s) or doctor(s) are in-network with the health plan. If you need a primary care physician (PCP) or are looking for a specialist, we can help.
One type of health insurance is not better than the other, but there are differences. With an HMO plan, you will choose a Primary Care Provider (PCP) who will coordinate any specialty care you may need. Services are all provided through physicians and facilities in the health plan's HMO network. With a PPO, you may also choose a PCP, but you will not need a referral to see another physician. It will usually cost less to see in-network physicians than out-of-network physicians. Whether you are considering an HMO or a PPO, you can determine which doctors, medical groups, hospitals, etc. are in the network before you enroll.