calpers employee contribution rates 2021

Class . Final 2019-20 pensionable payroll for the CSU was 32 percent ($735.5 million) abovethe 2013-14 frozen pensionable payroll level. 0000007134 00000 n hbbbf`b`` ) } endobj 1 0 obj Returns of at least 17 percent would reduce the rate to 6.85 percent, returns of 20 percent would reduce the rate to 6.8 percent, and if returns somehow exceed 24 percent the discount rate would drop to 6.75 percent. The Panel intends to provide similar calculations in future years. endstream endobj 48 0 obj <>/Metadata 5 0 R/Names 49 0 R/Pages 4 0 R/StructTreeRoot 7 0 R/Type/Catalog/ViewerPreferences 50 0 R>> endobj 49 0 obj <> endobj 50 0 obj <> endobj 51 0 obj <>/MediaBox[0 0 612 792]/Parent 4 0 R/Resources<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 52 0 obj <> endobj 53 0 obj <> endobj 54 0 obj <> endobj 55 0 obj <> endobj 56 0 obj <> endobj 57 0 obj [226 0 0 0 0 715 682 0 303 303 0 0 250 306 252 386 507 507 507 507 507 507 507 507 507 507 268 0 0 0 0 0 0 579 544 533 615 488 459 631 0 252 319 0 420 0 0 662 517 0 543 459 487 0 567 0 519 487 0 0 0 0 0 0 0 479 525 423 525 498 305 471 525 230 239 0 230 799 525 527 525 525 349 391 335 525 452 715 433 453 0 0 460] endobj 58 0 obj <> endobj 59 0 obj [226 0 0 0 0 0 0 0 312 312 0 0 0 306 267 0 507 507 507 0 0 0 0 0 507 0 276 0 0 0 0 0 0 606 0 529 0 488 0 0 0 0 0 0 0 874 0 0 532 686 563 473 495 0 0 0 0 0 0 0 0 0 0 0 0 494 537 418 537 503 0 474 537 246 255 0 246 813 537 538 537 0 355 399 347 537 473 745 0 474] endobj 60 0 obj <>stream hbbd```b``VLA$#?} , Dr9j endobj endstream endobj 1656 0 obj <. Projections for 2021-22, 2022-23, and 2023-24 . Access Anthem Blue Cross Transparency in Coverage Machine Readable Files on their website. Employers & Business Partners. To find your specific health plan premium rates, choose your region from the options below: View the 2023 COBRA premiums by region (PDF). 0000115671 00000 n \C Analysis Schools Employer Contribution Rates for 2020-21 . <> 0000001652 00000 n The state Department of Finance processes state agency retirement adjustments during the fiscal year. It provides coverage anywhere in the world. $@[ >UYy^. [ 20 0 R] The effective employer contribution rate was adjusted from 19.1% to 16.15% for fiscal year 2020-21. %%EOF |D9EV$ZW^1vZ\PWQx . contribution rates for employers and some employees, although not endstream endobj startxref *U5jhi3m"K[oT$APP2id-z1~6vH)'H;} {s}l%( h^!U^3QP}Ma(6UYvQ_gGKg'1.E'U:YkSHBc6m}__ y:tkqKqoXv,siYBjO3xy)nMy3CIV47^Twa6Kd 6 These rates are effective with the first payroll period that ends in July 2021 and are in effect for fiscal year (FY) 2021-22. 0000008525 00000 n Check with your employer to determine your contribution amount. The CalPERS defined benefit pension plan is funded by employer-paid contributions, employee contributions, and the plan's investment earnings. hkO#7/ California Association of Highway Patrolmen (CAHP) (PPO). All health plans have geographical restrictions except for PERS Platinum. Welcome to myCalPERS. almost certainly trigger an as-yet-unused CalPERS policy to regular, though infrequent, review of its investment <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 24 0 R/Group<>/Tabs/S/StructParents 1>> 5 0 obj Employee contributions other than cost sharing (whether paid by the employer or the employee) are in addition to the results shown below. ;( jQ@uc *_@zy`Fm0Z$aGVBl. (`c/IQ G*EK`z/2-9q8vW1fw(^ &m['Rc>iVF$v#8&;+~68#oA(g(U7;q\f>- ?7CnrA|+!c?XAnjGo=|QnNCS.yV{78Vx9b&46}NJa`xPf:%Jb4ANIJ|D}_ Nyq until the 2023-24 fiscal endstream endobj 54 0 obj <>stream endobj 0 endstream endobj 53 0 obj <>stream View all health plan Summary of Coverage and Evidence of Coverage documents. HTMo@+QvEJHHHU.+i n~g6jJN Z$@Uh NM,.m ^byQ:mBk[v.FJ![tccEuce-k|zsJ/TcuX3;Z#f+h]K=gHl#'eHv-v "64{jWhp62k(qcc[^zHBm2{]`#D+s$p*Xom_ p*O3^ ?/'a`zEL&%ZJxtCqZjqv^7H[#)" qTlxJ$Qf>fwp]ks(| BI!9;TP5OJd"e tV6Fd e&{dM4Yc!u(JbDv7|y qYG Access Blue Shield of Californias Transparency in Coverage Machine Readable Files on their website. Welcome to myCalPERS. PORAC prescription are administered by Anthem Blue Cross. The higher the <> <> Access Health Net of Californias Transparency in Coverage Machine Readable Files on their website. Blue Shield of California administers their own prescription drug benefits. %PDF-1.6 % Ms. Prior to September 1, 2021, the OPEB contribution was based on the eligible earnings from the prior pay period. The fiscal 2021 returns bring CalPERS' fund performance to 10.3% for the five-year period, 8.5% for the 10-year period and 6.9% for the 20-year period. Since health care costs vary throughout California, regional pricing adjusts premiums to reflect the actual cost of health care in your specific region. This plan has no geographical restrictions. The policy essentially shares the Restoration of 2020-21 General Fund Reduction, Historical Marginal Cost Enrollment Funding, Professional and Continuing Education (PaCE). The policy, called the Funding Risk Mitigation Policy (pdf), CalPERS reported a preliminary 21.3% net return on investments for the 12-month period that ended June 30, 2021. Log in to your member or employer account. CalPERS assets at the end of the fiscal year stood at more than $469 billion.. Employees in Bargaining Units 2, 7, 8, 16, 17, 18, and 19, and excluded employees, receive a Consolidated Benefits (CoBen) Allowance to use for health and dental insurance. %%EOF endobj Contributions next year will still be a record high, jumping from 22.92% of an employee's salary in 2021-22 to 25.40%, but that will be 0.7% less than had been forecast. The contents of this letter are nonbinding and advisory only, However, use of this budgeting practice by the state is problematic and should be discontinued. Allocatedto plans in proportion to State's generalfund CalPERS contributions Reduced total FY 2021-22 required contribution by approximately $1.4 billion, equivalent to 6.18% of total payroll Improved the funded ratio by about 1.2% - $268M contributed to CHP in August 2020 Will be reflected in the June 30, 2021 funded status one year earlier). xref Effective September 1, 2021, OPEB contributions are calculated as part of each payment in which pensionable compensation is issued, including those received bi-weekly, or as an adjustment to previously issued earnings. <> benefit of the extraordinary investment gains between future stream hb```y,w@(q}[kGGoE4?5t'WFIpwghc5-H1+g,y0c@ 327-7500 -Email-Map, Big Changes Possible for CalPERS Pension Rates, Agriculture, Environment & Natural Resources, Letters to California Public Utilities Commission, Letters to Department of Fish and Wildlife, Letters to State Water Resources Control Board, Letters to the Governor's Office of Emergency Services, CSAC Mandate Services Working Group Agendas, 2011 Health and Human Services Realignment, California Advancing and Innovating Medi-Cal (CalAIM), SB 1: The Road Repair and Accountability Act of 2017, Federal Surface Transportation Authorization, Statewide Local Streets and Roads Needs Assessment, CSAC William Bill Chiat Institute for Excellence in County Government, Alana Hitchcock, Executive Director & CEO, Desiree Haus, Business Development Manager, Mason Smith, Head of Government and Community Relations, Ruffin Judd, Director of Customer Success, Thomas A. Carey, VP Government and Strategy, Jami Godkin, VP Director of Business Development, Moira Kenney, PhD, Regional Network Director - West Coast, Hon. California Public Employees' Retirement System P.O. While the rationale of this practice wasto help reduce state funding increases and to examine more closely the cost of annual general salary increases and hiring ofnew employees, that has always been a key consideration as the CSU must balance the need to serve students with the level of funding available to the university, particularly as tuition rates have remained relatively constant since 2011-12 with only a $270 per year increase in 2017-18. hb```,B aB;Ws4tHK&2}bT4>69Y{C*q+ 4[<>g!9 U 5m_w:@h^pS\'Jl6pA=i1*"^ dTjJDn4 8vU6r4hEQAM <6I36^^C;|}.>P(^i,sRt>/BYj m,9hHKrwaqlLji{{bfp(U@]"e6YLMR"e /1TBx,90%M"s! 0000115043 00000 n Contributions next year will still be a record high, jumping from 22.92% of an employees salary in 2021-22 to 25.40%, but that will be 0.7% less than had been forecast. State contribution increases. *CoBen is the employer-provided benefit allowance for employees in bargaining units 2, 7, 8, 16, 17, 18, and 19, and excluded employees, to offset the cost of health, dental, and vision benefits. View How CalPERS Sets Health Premiums to get details on the rates and plans process. nRJ-F0)(*}=! 0000001495 00000 n This plan is only available in California. 89 0 obj <>stream endobj The policy is designed to New Members (Hired on January 1, 2013 or later): Effective July 1, 2015 the rate increased from 8.15% to 8.56% View the 2022 health premiums approved by the CalPERS Board of Administration: Effective Date: January 1, 2022 2PERS Cost Share is the employee contribution towards the employer's Normal Cost (NC) Rate. Contact the health plan before enrolling to make sure they cover your ZIP Codes and that their provider network is accepting new patients in your area. &U+]k"KL,/@"@("3 v * <> All Employee Groups (except Teamsters 2010 - Unit 6) - Unit 6 2021 Amount Paid by EmployeeEmployee 2020 Amount Paid by Employee 2021 Amount Paid by 2020 Amount Paid by Anthem Blue Cross Select . CalPERS defines normal cost as the annual cost of 14 0 obj Pension reform changes began in 2010 and continued to be expanded through 2013. for employers and employees. 0 The table below shows the minimum required employer contributions and the Employee PEPRA Rate for fiscal year 2021-22 along with an estimate of the required contribution for fiscal year 2022-23. %Grs7drvzYwpqqyy=G )#nr7JcP,KuyHU3Ad_E>fa,9"xS-$|OgI. 0 Frost said that with the investment return announcement that CalPERS' funded status is an estimated 82%. 1655 0 obj <> endobj 16 0 obj 0000115858 00000 n 0000005743 00000 n The results of that review could result in a decision Peace Officers Research Association of California 6 0 obj Effective July 1, 2023, the employee contribution rates for Miscellaneous, Safety and Industrial members shall increase by one half percent (0.50%) . During this time, you can enroll, change health plans, add eligible dependents, delete dependents, or cancel coverage. discount rate and commensurate changes to the investment The following table provides a ten-year overview of CalPERS employer-paid retirement contribution rates and adjustments from 2011-12 through 2020-21: Beginning with the 2013-14fiscal year, the annual state budget placed a limit on the states obligation to adjust CSU retirement funding due to annual changes in CalPERS rates. almost ever broad investment category has enjoyed banner returns 1675 0 obj <>/Filter/FlateDecode/ID[<0C44AE0D0F30B74FAB1FABB2FE4480B8>]/Index[1655 30]/Info 1654 0 R/Length 101/Prev 259246/Root 1656 0 R/Size 1685/Type/XRef/W[1 3 1]>>stream Active Members & Retirees. One of the results of those investment gains endobj CCPOA prescription benefits are administered through Blue Shield of California. 22 0 obj <> %%EOF rate of 16.92% would be the net value of the employer contribution rate when applying the state subsidy of 2.18% to the employer contribution rate likely adopted by CalSTRS of 19.1%. However, the extraordinary gains over the past fiscal year will %%EOF Kaiser Permanente Senior Advantage Summit is available as of January 1, 2023. HlSk0~_qO,lC)$i:Zf{(azU`y)!e4;t?%]e2/ Previous projections reflect rates at the time of the Governor's Budget proposal. 0000115112 00000 n COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts. slightly reduce the discount rate. Over the past 30 years, the fund returned. board and committee meetings over the next few months, where 23 0 obj endobj 780 0 obj <> endobj Meanwhile, the contribution rate of employees hired after Jan. 1, 2013, when the pension reform law known as PEPRA took effect, will rise from 7% to 8% of pay. regular, though infrequent, review of its investment The 2020-21 employer-paid retirement adjustment is equivalent to a decrease of $42.7 million. endobj The remaining two percent of CSU employees with CalPERS retirement benefits have designated CalPERS Peace Officer/Firefighter benefit levels. <>>> % Access Western Health Advantages Transparency in Coverage Machine Readable Files on their website. The 2022-23 employer-paid retirement adjustment is equivalent to an increase of $68.5 million. hb```R@(z"a Egv>/v% L@e@lRL1f^) -`5FFO^F/j^:a{#zgZ0d`H5{FsD ' A*#ER~v:3V,S(4 reduce the rate to 6.85 percent, returns of 20 percent would HRK0WQJ--, .vKK@Cd;l@df|&y;|}l^#|UB@prVC(`PoEW9{h,`b'BD4G$W0GHjK:LcTH]X! 11 0 obj but the contribution rates for . <> 0000006427 00000 n endobj 0000002239 00000 n Employer Contribution The employer contribution rate for FY 2021-22 will be 22.91%. rates than currently projected. Some health plans are available only in certain counties and/or ZIP Codes. For reference regarding 2020-21 employer-paid retirement rates, see CSU Human Resources Administration, Technical Letter HR/Benefits 2020-13., Employee Retirement Contributions (for informational purposes only). View the 2023 health premiums approved by the CalPERS Board of Administration: Below are the contribution rates. 0000117691 00000 n contribution rates and a reduced discount rate. The retirement increaseamount above the frozen payroll levelis an unfunded cost for the CSU, and it continues to increase each year when pensionable payroll orretirement contribution rates increase. 0000001728 00000 n Returns of at least 17 percent would 2 0 obj endobj The UnitedHealthcare Group Medicare Advantage (PPO) plans include Medicare Part D prescription drug coverage. x[mo8 k((PHM~p;m%YUl3-PYr^yOrI'{i7/!^8Y_?Xt$4#z/yL3K-No8FLz+b7O:`+,~pWv=FuD+p=]+c(/t(I5O4T0\}>l,# N5q1oopF\V: T^:#]PjgZAL9#BY#+j\^c:QF{]r mMZv#j23\iTTisFkz+juNhGV1uA#v ; 9---au <> %PDF-1.7 % If returns come in even higher, the discount rate 0000115352 00000 n The required CalPERS retirement contribution rates decreased for 2020-21 for the first time in several years, due in part to advanced paydown of unfunded retirement obligations, so there is no request for additional retirement funding in 2021-22. Blue Shield of California administers their own prescriptions. The Enrollment Level field indicates if an employee is enrolled in a CalPERS Classic or PEPRA Californias juvenile justice system seeks to end the incarceration of girls and young women, West Contra Costa Unified braces for more major budget cuts, Legislative analyst opposes Newsoms plan for more funding to high-poverty schools, Financial aid access has worsened for Californias undocumented students, A data-driven approach to tackling chronic absenteeism that any school can use, State, districts and schools all have a role to play in supporting Black students, panel says, Bidens plan to forgive student loans may be in jeopardy after Supreme Court arguments, College and Covid: Freshman Year Disrupted, Education During Covid: Families Struggle to Learn. How CoBen Works First, identify the amount of your benefit allowance from your paycheck stub or by using the Benefits Calculator. OptumRx is the PBM providing prescription benefits for this health plan. Upon final approval by the Board, CalPERS staff will prepare and issue a Circular Letter to notify state employers of the contribution rates each fiscal year. Visit your health plan's website to learn how benefits, claims, and payment of claims are covered, as well as the service limitations and exclusions that may apply. <> !R]cc8O\ E2KW$'A5K!Q@0c@#RG). portfolio, alana[remove-this-and-replace-with-at]ca211.org, dhaus[remove-this-and-replace-with-at]southlandind.com, mason[remove-this-and-replace-with-at]hipcamp.com, info[remove-this-and-replace-with-at]csacfc.org, tcarey[remove-this-and-replace-with-at]letsgetchecked.com, jgodkin[remove-this-and-replace-with-at]cglcompanies.com, moira.kenney[remove-this-and-replace-with-at]uniteus.com, christen[remove-this-and-replace-with-at]govinvest.com, michael.posey[remove-this-and-replace-with-at]lsslibraries.com, brandon[remove-this-and-replace-with-at]rescueagency.com, ben[remove-this-and-replace-with-at]gxbroadband.com, lloyd.levine1[remove-this-and-replace-with-at]t-mobile.com, chelsea.machado[remove-this-and-replace-with-at]essvote.com, Courtney.hastings[remove-this-and-replace-with-at]qlik.com, kfuentes[remove-this-and-replace-with-at]drcusa.com, gbalter[remove-this-and-replace-with-at]opengov.com, t.main[remove-this-and-replace-with-at]procureamerica.org, andrew.keifer[remove-this-and-replace-with-at]blueshieldca.com, jfiske[remove-this-and-replace-with-at]baronbudd.com, laura[remove-this-and-replace-with-at]caltrust.org, sarah.qureshi[remove-this-and-replace-with-at]nexteraenergy.com, cathy.varner[remove-this-and-replace-with-at]peraton.com, JB1F[remove-this-and-replace-with-at]pge.com, tbacon[remove-this-and-replace-with-at]us.ibm.com, mdiel[remove-this-and-replace-with-at]cchi4families.org, bm3620[remove-this-and-replace-with-at]att.com, narshi[remove-this-and-replace-with-at]alliant.com, michael.prosio[remove-this-and-replace-with-at]wellpoint.com, cbarna[remove-this-and-replace-with-at]cscda.org, monica.cardielcortez[remove-this-and-replace-with-at]cgi.com, joe.feliciani[remove-this-and-replace-with-at]welldynerx.com, beth_hester[remove-this-and-replace-with-at]comcast.com, rbrush[remove-this-and-replace-with-at]csac-eia.org, dsandall[remove-this-and-replace-with-at]dlrgroup.com, steven.bennett[remove-this-and-replace-with-at]dominionvoting.com, Lisa.m.holmes[remove-this-and-replace-with-at]ehi.com, pmello[remove-this-and-replace-with-at]hansonbridgett.com, allison.barnett[remove-this-and-replace-with-at]healthnet.com, Jennifer.Scanlon[remove-this-and-replace-with-at]kp.org, bilor[remove-this-and-replace-with-at]nationwide.com, ewestrom[remove-this-and-replace-with-at]synoptek.com, mwall[remove-this-and-replace-with-at]uhc.com, bob.fletcher[remove-this-and-replace-with-at]vanir.com, creheis[remove-this-and-replace-with-at]wspa.org. 47 0 obj <> endobj endobj first implemented in 2015, states that when investment returns Active subscribers are subject to the 80-80 or 85-80 formula. Kaiser administers its own prescription benefits. While those changes would make contribution rates higher than they would otherwise be, the overall result would still be lower . The following table provides a ten-year overview of CalPERS employer-paid retirement contribution rates and adjustments from 2013-14 through 2022-23: 0000116289 00000 n hb```b````c``ed@ AV ha`*303 h`` K"e(f`d`ddL`ehcfghp/|DLBLyvA:C'4 J {hf4#y n!g4Dq@ The Miscellaneous Tier 1 employee contribution rate established in July 1, 1976 remains in effect for employees that began state employment prior to 2013 (classic member). 47 39 The employer contribution rates below are what the CSU contributes . The exhibit below displays the minimum required employer contributions and the Employee PEPRA Rate for Fiscal Year 2020-21 along with an estimate of the required contribution for Fiscal Year 2021-22. liability that results in even higher costs, especially for <> You must belong to the specific employee association and pay applicable dues to enroll in the CAHP. 19 0 obj endobj 0000003183 00000 n Employers & Business Partners. In Fiscal Year 2020-21 the employer retirement rates for the Miscellaneous Tier 1 and Peace Officer/Firefighter decreased by 1.705% and 12.745% respectively from fiscal year 2019-20 retirement rates. CalPERS provides pensions for employees of Santa Clara County and most cities except San Jose and San Francisco. P_C.{>H >T9,@/I!dW s4O N Y\r.%Kkp%t%`2z z'X$!Ec _HNaCe2U h Tm s*'}k <> 85 0 obj <>stream View Retiree Plans & Rates customized just for you. Note: The Prudent Buyer Network for CAHPs Basic and Combination Plan is available only in California and in limited areas of selected states outside of California. hYk@dgH8(,]c,s7.XZKisJX.qD8*AKh %PDF-1.7 % 0000002105 00000 n <]/Prev 134159/XRefStm 1328>> Employees hired before then will continue to contribute 7%, as guaranteed by state law. ), National Senior Executive, State Government Strategy, http://www.t-mobile.com/business/government/state-local-government, Courtney Hastings, Sr. Field Marketing Manager, Public Sector, http://www.qlik.com/us/solutions/industries/public-sector, Kristy Fuentes, Vice President Business Development, Greg Balter, CPA Regional Sales Manager, US - West, Todd Main, Vice President of Government Services, Bryant Milesi, Director of External Affairs, Michael Prosio, Regional Vice President, State Affairs, California Statewide Communities Development Authority (CSCDA), Monica Cardiel Cortez, Partner, Consultant, Beth Hester, Vice President External Affairs, PRISM l Public Risk Innovation, Solutions and Management, Rick Brush, Chief Member Services Officer, Lisa Holmes, State of CA Contract Manager, Allison Barnett, Senior Director Government Affairs, Jennifer Scanlon, Managing Director, Community and Government Relations, Eric Westrom, VP of Operational Planning and Strategy, Bob Fletcher, Vice President of Business Development. Zjevj`hK @2Hs10=^Aj @ @A@ endobj The majority of CSU employees (approximately 98 percent) with CalPERS retirement benefits fall within the CalPERS Miscellaneous Tier 1 category. 0000005872 00000 n California State Controller's Office: PEPRA 2020, 2021, 2022 CalPERS has lowered its projected contribution rates for districts significantly for the five-year period starting in 2022-23. On April 30, 2021, the State Controller's Office (SCO) will implement an Employment History (EH) system modification to add a new E-LVL (CalPERS Enrollment Level) field in the PIMS and CSUC on the RST screen. COBRA premiums are calculated at 102% of the Basic premiums, but some carriers may charge less than these maximum amounts. Welcome to myCalPERS. endobj over the past year. For employees with state employment dates on January 1, 2013 or later (new CalPERS member), the employee retirement contribution rate is determined by the Public Employees Pension Reform Act of 2013 (PEPRA). e6$9_m_D5 U -Qp`.k>T F 0h/sG@ %"ptoVU]k0Z^ %knIayS`m.|W6x6LPvn6lbSk1,! l8%}n9ks)(!0_xFvT qfqV3q|h[j0Wi9O@T+YU18V`J[5+ \5)}Uox2eEh?9Gz$'A`VV1IYEIH>#Z-\ |hTY^1-4 +R4>;rtgpdYv*r~`73p'R3CZ8AuX:XjY ?8s|/4@PnP4{.s[E5* In mid-July, when they announce their final returns for Active subscribers should contact their employer to inquire which formula applies to their bargaining unit. endstream endobj 61 0 obj <>stream 8 0 obj 9 0 obj 1139 0 obj <>stream Copyright 2023 California Public Employees' Retirement System (CalPERS) | State of California, View all health plan Summary of Coverage and Evidence of Coverage documents, Your Rights and Protections Against Surprise Medical Bills (PDF), California Health Care Quality Report Cards, COVID-19 Test Kits for CalPERS Health Plan Members, Uniform Glossary of Health Coverage and Medical Terms (PDF), Your Guide to Choosing a Health Plan (PDF), PERS Platinum Supplement to Medicare Plan, UnitedHealthcare Group Medicare Advantage. <> All health plans have geographical restrictions except for PERS Platinum. 1100 K Street, Suite 101,Sacramento, CA 95814 (916) the fiscal year, if that number holds, the Funding Risk <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> OptumRx is the Pharmacy Benefit Manager (PBM) providing prescription benefits for this health plan.

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