Medical
Taking care of your health.
Access to quality coverage and care is important for your health.
When You Can Enroll
You can elect medical benefits within 31 days of becoming benefits eligible, during Open Enrollment, or within 31 days of a Qualifying Life Event.
What to Know
| Anthem High Deductible PPOLowest | Kaiser CA HMOMid-Range | Anthem HMOHighest | |
|---|---|---|---|
| Premiums | Lowest | Mid-Range | Highest |
| Where to go for care* | See any provider. Pay less when you stay in network. | Use only providers in the Kaiser CA HMO network or pay the full cost of care. (Members may use out-of-network urgent care when outside of the medical group’s service area.) | Use only providers in the Anthem HMO network or pay the full cost of care. (Members may use out-of-network urgent care when outside of the medical group’s service area.) |
| Access to specialists | No referrals needed. | Referrals required. | Referrals required. |
| Paying for care** | Pay your medical costs until you reach your deductible. After that, you pay a set part of the costs (called coinsurance) until you reach your out-of-pocket maximum. | Pay copays when you get care or medications. No deductible to meet. | Pay copays when you get care or medications. No deductible to meet. |
| Tax advantaged accounts | Use an HSA to spend, save, and invest pre-tax dollars for healthcare. Funds never expire even if you change jobs or retire. Option to use an FSA instead of an HSA. | Use an FSA to spend pre-tax dollars for healthcare. Unused funds are forfeited at year-end. | Use an FSA to spend pre-tax dollars for healthcare. Unused funds are forfeited at year-end. |
| Who may like this plan? | Those who want the lowest premiums and greatest choice of providers. They are comfortable with the risk of higher expenses before reaching their deductible. | Those who don’t mind paying higher premiums in exchange for more predictable costs and are comfortable with providers in the Kaiser CA HMO network. | Those who don’t mind paying higher premiums in exchange for more predictable costs and are comfortable with providers in the Anthem HMO network. |
**Out-of-network providers may bill for the difference between the provider’s full charges and the amount paid by the plan.
Located outside of Southern California?
If you are located outside of Southern California, your medical plan options may be slightly different. You will still have the option to select the Anthem High Deductible PPO Plan or you may be able to choose a different medical plan. View Plan Options.
HSA Benefits
- Contributions reduce your taxable income.
- Funds roll over from year to year.
- The account is yours to keep — even if you leave Caltech or retire.
- After age 65, you can withdraw funds for any reason without penalty (income tax applies if not used for medical expenses).
FSA Benefits
- Contributions are made with pre-tax dollars which can lower your taxable income and reduce the amount of taxes you pay.
- Funds can be used for eligible medical, dental, and vision expenses.
- You can also open a separate FSA to help pay for childcare expenses.
Medical Plan Provider: Anthem
Anthem is one of Caltech’s medical plan providers. Set up an account to view ID cards, track claims, check coverage, find in-network doctors, manage prescriptions, and utilize telehealth services.
Website: anthem.com/ca/Caltech
Download the mobile app:
Phone: (866) 820-0765 (M-F, 5 a.m.-8 p.m. PT)
Medical Plan Provider: Kaiser
Kaiser is one of Caltech’s medical plan providers. Set up an account to view ID cards, track claims, check coverage, find in-network doctors, manage prescriptions, and utilize telehealth services.
Website: choose.kaiserpermanente.org/caltech
Download the mobile app:
Phone: (800) 464-4000 (M-F, 8 a.m.- 6 p.m. PT)
Plan Summaries and Resources
For full details, please review the plan documents.
Southern California
Anthem High Deductible PPO Plan Summary
Anthem High Deductible PPO Plan Benefit Booklet
Anthem HMO Plan Summary
Anthem HMO Plan Benefit Booklet
Kaiser (CA) HMO Plan Summary
Kaiser (CA) HMO Plan Evidence of Coverage