Health Insurance (CalPERS)

CalPERS Medical Benefits

The City of Loma Linda partners with CalPERS to provide medical coverage options for eligible employees and their dependents. Available plans, rates, and coverage details are based on CalPERS plan offerings and regional eligibility.

This page is designed to help you understand your options, compare plans, and confirm eligibility based on your residence.

How to Choose a Health Plan

When selecting a CalPERS medical plan, consider:

  • Your primary care needs and preferred doctors
  • Whether your providers are in-network
  • Monthly cost vs. out-of-pocket expenses
  • Travel or residence outside California
  • Whether you prefer coordinated care (HMO) or flexibility (PPO)

HMO vs. PPO Plans 

HMO (Health Maintenance Organization)

  • Services must be received within the HMO network (except emergency)     
  • Requires a Primary Care Physician (PCP)
  • Referrals are needed to see specialists
  • Lower monthly premiums and predictable costs
  • Best for coordinated, in-network care

PPO (Preferred Provider Organization)

  • Greater flexibility in choosing providers
  • No referral required for specialists
  • Can see out-of-network providers (higher cost)
  • Higher monthly premiums
  • You are encouraged to use in-network providers to reduce costs
  • Best for flexibility and provider choice
What is my CalPERS Region?
CalPERS Region 1: Alameda, Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, Del Norte, El Dorado, Glenn, Humboldt, Lake, Lassen, Marin, Mariposa, Mendocino, Merced, Modoc, Mono, Monterey, Napa, Nevada, Placer, Plumas, Sacramento, San Benito, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Sutter, Tehama, Trinity, Tuolumne, Yolo, Yuba county. 
CalPERS Region 2: Fresno, Imperial, Inyo, Kern, Kings, Madera, Orange, San Diego, San Luis Obispo, Santa Barbara, Tulare, and Ventura county. 
CalPERS Region 3: Los Angeles, Riverside, and San Bernardino county. 
Employees, who live out of state or outside Region 3, may use City of Loma Linda’s address to establish plan eligibility for Region 3. When using the City’s zip code for eligibility, all enrolled plan dependents must utilize covered services within the health plan’s service area (except emergency and urgent care) even if they do not reside in that service area. 
2026 Benefit Rates 
 Health Benefit Summary