Pre-65 Retiree Medical Benefits
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Retirees under 65 have the option to continue participation in the university’s group medical plan until they reach age 65. To remain on the university’s medical plan upon retirement, retirees must contact their Benefits Specialist and complete the Continuation of Benefits form before their last day worked. If retirees do not complete the Continuation of Benefits form, they will not remain on the university’s medical plan.
Spouses and qualified adults (QA) are also eligible to have coverage as a dependent and remain covered even when the retiree turns 65. The University of Louisville offers three medical plans through Anthem Blue Cross Blue Shield (Anthem).
The plan options are:
- PPO with Health Reimbursement Account (HRA)
- This is a plan with an embedded deductible
- UofL Health Plan (ULH)
- This plan does not come with an account
- This is a plan with an embedded deductible
- Consumer Driven Health Plan (CDHP) with HSA
- This is not available to employees on a J1 Visa
- This is a plan with an aggregate deductible
All three plans:
- Have access to the same network of providers (Anthem)
Provide access to the same types of care - Cover in-network preventive care at 100% (such as physicals, well child visits, routine immunizations, mammograms and more)
Have a deductible, coinsurance and out-of-pocket maximum
Allow you to receive a $40 monthly incentive if you participate in the Get Healthy Now wellness program.Regardless of your plan, we encourage you to establish a relationship with a primary doctor to help manage your health.
Dependents of retirees under the age of 65 that are participating in the university’s group health plan are eligible for health insurance coverage as long as they meet the following criteria:
- Spouses/surviving spouses under age 65
- Qualifying adult (QA)
- Child(ren) (natural children, stepchildren, foster children, legally adopted children and children placed for adoption) until the end of the calendar year in which they turn 26 even if they are married; not living with parents; attending school; not financially dependent on their parents or eligible to enroll in their employer’s health plan
- Child(ren) of the retiree or the retiree’s spouse of any age when such children are incapable of self-support because of a total and permanent disability
- Child(ren) age 26 and under for whom the retiree is required to provide health care coverage under a qualified medical child support order (QMCSO), regardless of where the child resides or if the child is dependent upon the retiree for support
Spouses/QA that are under 65 can remain covered on the UofL health plan even if the retiree has turned 65. The monthly rate would change to the individual retiree rate. At that time, the spouse/QA would receive a new ID number and card. Then, once the spouse/QA turns age 65, he or she will transition to Medicare and the AARP Retirement Supplement Plan along with the retiree. For information about other dependents, please contact your Benefits Counselor.
If this is the case, the spouse/QA would need to transition to Medicare and the Retiree Supplement Plan. The retiree’s monthly rate would change to the individual retiree rate.