Open Enrollment 2025-2026
Fall 2025 Enrollment is Closed.
Changes took effect October 1, 2025
No Changes, No Action Required!
All retirees can change their medical/dental insurance plans or add/delete dependents. We are no longer using the eBenefits portal for insurance changes, you will use the digital form links on this webpage and in the Open Enrollment Retiree Presentation. Review insurance plan options in the Open Enrollment Retiree Presentation. There is a special section at the bottom of this page for individuals who retired on or after October 1, 2020. (2025 Retiree Open Enrollment Presentation Slides)
Please be sure your Palomar College address and emergency contact information is up to date. Address/Emergency Contact Form
The medical and dental contributions listed below apply October 1, 2025 through September 30, 2026 for people who retired on, or after, 10/1/2020.
Medical Insurance Information
Anthem CaliforniaCare HMO U65 Plan Summary (no retiree contribution required)
Anthem 80E PPO U65 Plan Summary (no retiree contribution required)
Anthem 100A U65 PPO Plan Summary (Retired on/after 10/1/2020: Single $226/mo., 2-party $445/mo., Family $627/mo.)
Anthem PPO EGWP +65 Plan Summary (no retiree contribution required)
Kaiser HMO U65 Plan Summary (no retiree contribution required)
Kaiser HDHP/HSA U65 Plan Summary (no retiree contribution required)
Kaiser Permanente Senior Advantage +65 Plan Summary (no retiree contribution required)
Dental Plan Information
DeltaCare USA DHMO Plan Summary (no retiree contribution required)
Delta PPO Plan Summary ($44.30/mo. contribution required if retired on/after 10/1/2020)
Delta Premier Incentive Plan Summary ($71.00/mo. contribution if retired on/after 10/1/2020)
How to enroll or make changes:
- Review the "2025 Retiree Open Enrollment Presentation Slides"
- Find the plan from the list below that you would like to change
- Click the text to pull up the digital form
- Carefully complete the fields on the digital form
- Use the "sign" button to create a signature and sign the form
- You will receive an emailed copy of the completed form as confirmation of your submission
- The Benefits Office will automatically receive a copy of the form
MEDICAL FORMS
Anthem PPO U65
Anthem PPO +65 (this is an email not a digital form)
Anthem PPO 80E
Anthem HMO
Kaiser HMO U65
Kaiser HMO +65 (this is an email not a digital form)
Kaiser HDHP
DENTAL FORMS
Delta Premier
Delta PPO
DeltaCare USA DHMO
Annual Required Notifications:
HIPAA Privacy Notice
Insurance Marketplace Notice
COBRA General Notice
Newborns Health Protection Act
Children's Health Insurance Program
Medicare Creditable Coverage Disclosure
Patient Protection Disclosure
Special Enrollment Notice
Women's Health & Cancer Rights Notice Notice
Group Number
- Anthem PPO EGWP +65 Plan Summary, Group# 4R001A (no retiree contribution required)
All members must be 65 or older to be on this plan - SISC Medicare 101: Password = SISCMedicare101
Part D Reimbursement & Resources
- Medicare Part D IRMAA Reimbursement Form
- Medicare IRMAA Medicare Part D website
- Medicare Part D Formulary
Other Plan Resources
- Medicare Provider Search & Anthem Provider Search
- MDLive Telehealth
- Teledoc Expert Second Opinion
- Retiree Wellness, Mental Health, and Crisis Resources
- Anthem Sydney Health App - Access to ID card
- Anthem Active&Fit Flyer
- Kaiser One Pass Flyer - Active Employees and Under 65 Retirees
- Kaiser One Pass Flyer - Medicare Retirees
- Lark Diabetes Prevention Program
Group Number
- Anthem 100A U65 PPO Plan Summary
- One or more of the members are under the age of 65
- Anthem 80E PPO U65 Plan Summary
- Anthem CaliforniaCare U65 HMO Plan Summary
- SISC Medicare 101: Password = SISCMedicare101
Other Resources
- Anthem Provider Search
- Anthem PPO Carrum Knee/Hip/Spine Flyer
- MDLive Telehealth
- Teledoc Expert Second Opinion
- Confidential Retiree Wellness, Mental Health, and Crisis Resources
- Anthem Sydney Health App - Access to ID card
- Lark Diabetes Prevention Program
- Lantern Cancer Care Flyer
- Hinge Health Joint and Muscle Pain Flyer
Group Number
- Kaiser HMO U65 Plan Summary Group# 225543-3028RBN (no retiree contribution required)
- Kaiser HDHP/HSA U65 Plan Summary Group# 234480-0075RBN (no retiree contribution required)
- Kaiser Permanente Senior Advantage +65 Plan Summary Group# 225543-3028RBN (no retiree contribution required)
- SISC Medicare 101: Password = SISCMedicare101
Other Resources
Premier Group Number
- Delta Dental Premier (Group#7046-03902)
- Delta Premier Incentive Plan Summary ($71.00/mo. contribution if retired on/after 10/1/2020)
PPO Group Number
- Delta Dental PPO (Group #7046-03908)
- Delta PPO Plan Summary ($44.30/mo. contribution required if retired on/after 10/1/2020)
Other Resources:
Palomar College Retirees' Association - PACRA
PACRA is a non-profit, on-campus organization for the purpose of serving the needs and interests of Palomar College and its retirees. Membership is open to all retired employees of the College, their spouses. surviving spouses, Associate Members appointed by the Board of Directors and any active employees who desire to become members.
Retired Public Employees Association - RPEA
click hereAt age 65, retirees and dependents eligible for Medicare benefits must enroll in Medicare Part A and B.
What happens if Medicare Part A and/or Part B lapses due to non-payment? The retiree and/or spouse is responsible for paying Palomar College the penalties of Part A and/or Part B lapse in coverage to maintain retiree benefits. Effective October 1, 2025, the monthly penalties are: Part A $700, Part B $700.
Why did my Medicare Part A and/or Part B lapse? Social Security will answer this question, and they can help reinstate Part A and/or Part B. We don't really know why this happens, but our office has seen cases where a retiree may have a spike in income and that may trigger an increase in payment for Part B. The retiree may or may not be aware of this and when Social Security does not receive a payment it appears they terminate Part A and/or Part B. This event will trigger the Palomar College penalties listed above.
Do I need to enroll in Medicare Part D? No, when you enroll in Kaiser Senior Advantage or Anthem PPO/EGWP, SISC/Palomar College will automatically enroll you in Medicare Part D for prescription medications.
What happens if I enroll in a Medicare Part D plan outside of SISC/Palomar College? The Centers for Medicare and Medicaid Services (CMS) does not allow a member to be enrolled in two Medicare plans. Should the retiree and/or spouse enroll in a Medicare Part D plan outside of SISC/Palomar College, the SISC/Palomar College medical and prescription drug benefits will be terminated. Retiree and/or spouse will need to provide proof of disenrollment without a break in coverage prior to reenrollment. Reenrollment is not guaranteed. Contact the Benefits office at 760-744-1150 X3053 or X2889 or send an email to Benefits@palomar.edu with any questions.