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TABLE OF CONTENTS
Who Can You Cover? ................................................................................................................................ 3 Making the Most of Your Benefits Program............................................................................................. 5 CalPERS Medical Plans Comparison.......................................................................................................... 6 CalPERS Tools............................................................................................................................................ 7 Medical - HMO.......................................................................................................................................... 8 Medical – PPO........................................................................................................................................... 9 Medical – PORAC .................................................................................................................................... 10 Prescription Drugs - HMO....................................................................................................................... 11 Prescription Drugs - PPO and PORAC ..................................................................................................... 12 Dental...................................................................................................................................................... 13 Vision ...................................................................................................................................................... 14 Life Insurance.......................................................................................................................................... 15 Employee Assistance Program................................................................................................................ 16 Cost of Coverage..................................................................................................................................... 17 Meet Ben IQ............................................................................................................................................ 18 What You Need to Know About Your CalPERS Retirement.................................................................... 19 CalPERS Local Safety Benefits (PUB 9).................................................................................................... 23 Become a More Informed Member........................................................................................................ 26 Contact Information ............................................................................................................................... 27 Key Terms ............................................................................................................................................... 28 Important Plan Notices and Documents ................................................................................................ 30Medicare Part D Notice: If you (and/or your dependents) have Medicare or will become eligible for Medicare
in the next 12 months, a federal law gives you more choices about your prescription drug coverage. Please see
the Annual Notices for more details.