Retirees Open Enrollment Guide

Welcome Retirees to your Open Enrollment elections guide. The San Francisco Health Service System administers your Medical, Vision, Dental, and Flexible Spending Accounts (FSA).

Open Enrollment begins on October 1 and ends on October 24, 2025 at 5 p.m. PST. All paper applications and any applicable verification documents must be postmarked by October 24, 2025 to be accepted.

Your 2026 San Francisco Health Service System (SFHSS) benefits are here!

Each year, Open Enrollment provides you with the opportunity to review your benefits and make any updates that best support your health and well-being. For Plan Year 2026, the Open Enrollment period will be held from October 1 to October 24, 2025.

During this period, you may:

• Review your current medical, dental, vision, and other benefit elections.
• Compare plan options and make changes to your coverage.
• Update your beneficiaries.
• Enroll in or waive coverage.

I encourage you to take advantage of this important opportunity to ensure that your benefits align with your needs and those of your family.

In good health,


Rey Guillen
SFHSS Executive Director

SFHSS members can complete their Open Enrollment elections online through SF My Hub. Use this detailed guide to help you navigate SF My Hub: SF My Hub Navigation Instructions for OE Plan Year 2026. Review your Open Enrollment Letter to see your current medical, vision, and dental elections, then click on the icon below to access SF My Hub.

Do you have changes you want to make in your benefits elections or dependent(s)?

If YES, go to Steps 2 through 8 on how to make changes.

If NO, and you do not want to enroll in Health Benefits or Dependent Care FSA account for the next plan year, then you have no further actions to take and skip to Step 8 below.

Review the dependent(s) listed in your enclosed Open Enrollment letter and dependent eligibility rules here.

Complete the Add Individual Dependent/Beneficiary Information in SF My Hub to add dependents or modify existing dependents.

Save and continue through all the screens and confirm at the end to submit your changes.

Submit copies of supporting documents. New dependents must have supporting documentation submitted with their elections in order to be enrolled (e.g. social security card, birth certificate, certified marriage certificate).

Are you or your dependent approaching age 65 and about to become Medicare-Eligible?

If YES, and you are not yet enrolled in Medicare, you must enroll through the Social Security Administration online at ssa.gov or by calling (800) 772-1213.

If NO, be sure to apply for Medicare at least three months before your 65th birthdate.

Proof of enrollment in Medicare Part A & B are required to maintain your SFHSS benefits. 

Submit proof of Medicare enrollment by mailing a copy of your Medicare card or letter to SFHSS.

Start by reviewing the Service Areas for the medical plans available to you as a Non-Medicare retiree or a retiree with Medicare.. There are five (5) options to choose from, four (4) HMO plans and one (1) PPO plan.

• View a summary of benefits for all medical plans below, as a Non-Medicare retiree or a retiree with Medicare.
• You can check the rates here.
• Use the Benefits Plan Comparison tool available on SF My Hub. 

Make sure to review your rates for Plan Year 2026. Once you’ve made your decision, select your plan and follow the instructions for enrollment through SF My Hub.

Medical Plans for Retirees without Medicare 

Medical Plans for Retirees with Medicare

Review the Vision benefits options and rates on here. You must be enrolled in a medical plan to receive basic vision benefits.

Enrollment in the VSP Premier Plan requires that all dependents enrolled in medical coverage be enrolled in the VSP Premier Plan.

Select your plan and follow the instructions for enrollment through SF My Hub.

Review your Dental benefit options below. To review Dental Benefits costs click here. Follow the instructions for enrollment through SF My Hub.

Complete your elections on SF My Hub.

Make sure to select Save and Continue on each screen, and click Submit at the end to finalize your enrollment. Otherwise, your elections will not be processed. 

If you are unable to enroll online, download an Open Enrollment Application form and return your form and applicable verification documents by fax or mail to SFHSS.

After Open Enrollment ends, you’ll receive a Health Benefits Enrollment Confirmation Statement by mail in December. Carefully review it to ensure there are no administrative errors. Only administrative errors can be corrected, and all corrections must be submitted by December 31st. Changes made during Open Enrollment will take effect on January 1, 2026.