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Plan overview
Blue Shield Non-Medicare Plans
Blue Shield offers three health plans to CalPERS members: Access+ HMO, Trio HMO and the EPO plan.
Reasons to choose the Trio HMO plan for 2022:
In addition to the same features as the Access+ HMO plan, you get:
  • Lower cost
  • Access to virtual care for $0 copayments
  • Discounts on fruits, vegetables and other eligible healthy foods
Learn about your plan options
Our self-guided videos can help you find the plan that's best for you.
Access+ HMO Plan
New counties for 2022:

Alameda • Contra Costa • Marin • San Francisco • San Mateo • Santa Clara • Sonoma • Solano
  • Lowest cost broad-network HMO plan available to CalPERS members
  • No deductible
  • $0 copayments for 24/7 virtual care and many covered services
  • Self-refer to specialists*
  • An extensive pharmacy network, including Safeway/Vons, Costco, and CVS.

Plan features

Trio HMO Plan
To enroll, you must have a primary residence or workplace within the Trio service area.

Available in these counties for 2022:

El Dorado • Los Angeles • Nevada • Orange (new) • Placer • Sacramento • San Luis Obispo • Santa Barbara • Santa Cruz (new) • Stanislaus (new) • Ventura • Yolo
  • Same benefits and lower contribution rates than Access+ HMO
  • No deductible
  • $0 copayments for 24/7 virtual care and many covered services
  • Self-refer to specialists*
  • An extensive pharmacy network, including Safeway/Vons, Costco, and CVS.

Plan features

Exclusive Provider Organization (EPO) Plan
Available in these counties for 2022:

Colusa • Lassen (new) • Mendocino • Shasta (new)• Sierra
  • Access to providers in the broad Blue Shield Preferred Provider network
  • Same benefits as those in the Access+ HMO plan
  • Self-referral to specialists without a referral from a primary care physician
  • $0 copayments for 24/7 virtual care and many covered services
  • An extensive pharmacy network, including Safeway, Costco, and CVS.

Plan features

* To use this option, members must select a PCP who is affiliated with a medical group or IPA that is an Access+ provider group, which offers the Access+ Specialist feature. Members should then select a specialist within that medical group or IPA. Access+ Specialist visits for mental health services must be provided by a participating mental health service administrator (MHSA) network provider. For ongoing care from a specialist, you’ll need to get a referral from your PCP.

** To use this option, members must select a PCP who is affiliated with a medical group or IPA that is a Trio+ provider group, which offers the Trio+ Specialist feature. Members should then select a specialist within that medical group or IPA. Trio+ Specialist visits for mental health services must be provided by a participating mental health service administrator (MHSA) network provider. For ongoing care from a specialist, you’ll need to get a referral from your PCP. Access+ HMO is a registered trademark of Blue Shield of California.