The Insurance and Benefits Trust of PORAC’s (IBT) Board of Trustees have set the 2025 health plan rates for the Police and Fire Health Plan.
Following the past years trends, the cost of medical services continued to rise for the health insurance industry as a whole. Increased health insurance costs are contributed to by a continued rise in health care use, increased pharmacy spending, the rising cost of care, labor shortages and many other factors.
The IBT Board of Trustees met to review the experience for each region and Plan for active employees and retirees. The experience of all regions and Plans were thoroughly considered along with health insurance trends when determining the 2025 Police and Fire Health Plan rates.
Although industry rate trends increased, the 2025 rates for the Health Plan still remain lower than some HMO plans and the Plan’s Special Reserves remain strong.
Public Agencies
| EmployeeOnly | Employee+1 Dependent | Employee2+ Dependents | |
|---|---|---|---|
| Region 1 | $975.00 | $2,218.00 | $2,777.00 |
| Region 2 | $970.00 | $1,951.00 | $2,484.00 |
| Region 3 | $970.00 | $1,951.00 | $2,484.00 |
| Out of State | $1,106.00 | $2,246.00 | $2,661.00 |
| Supplemental Plan to Medicare | $507.00 | $1,123.00 | $1,521.00 |
Region 1: Northern California
Region 2: Central California
Region 3: LA, Riverside & San Bernardino
State Agencies
| Employee Only | Employee+1 Dependent | Employee2+ Dependents | |
|---|---|---|---|
| California | $894.00 | $1,789.00 | $2,325.00 |
| Out of State | $1,106.00 | $2,246.00 | $2,661.00 |
| Supplemental Plan to Medicare | $507.00 | $1,123.00 | $1,521.00 |
If you were previously covered by the Police and Fire Health Plan, but are not now, or you wish to be covered or make changes to your coverage, open enrollment is the only time to do so.
Open Enrollment for 2025 coverage will be from September 16, 2024 through October 11, 2024.
The Insurance & Benefits Trust of PORAC is committed to serving its members and we look forward to serving you and your family’s insurance needs now and into the future. We also have a dedicated staff whose only job is to make sure you and your family receive the best care and service available. Any questions regarding coverage can be directed to an IBT Insurance Services Representative at (800) 655-6397, Option 1.
The Police and Fire Health Plan proudly serves over 25,000 Safety members and their families with one of the most comprehensive health plans available in the CalPERS System. We encourage you to contact your Human Resources Department or CalPERS, if you are retired, and make the change to the IBT’s Police and Fire Health Plan.
Featured in the September 2024 issue of PORAC Law Enforcement News.