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Post-65 Retiree Benefits

Helping You with Medicare

USG provides an annual contribution to a Health Reimbursement Account (HRA) to help you pay for supplemental Medicare coverage. USG has partnered with Aon Retiree Health Exchange to provide impartial guidance by licensed Benefits Advisors to help you navigate Medicare coverage and your HRA.

What to Know as a Medicare-eligible Retiree (Post-65)

If you are thinking about retiring, remember to speak with your campus HR/Benefits office. They will help prepare you for the steps ahead and/or review the Planning to Retire guide for items to consider, important contacts, and a detailed checklist of steps you need to take prior to retirement.  However, we have included a few important items to know below.

  • Your USG retiree healthcare benefit is an annual contribution to a Health Reimbursement Account (HRA) that can help you pay for your Medicare Part B premium, supplemental healthcare premiums, and other qualified out-of-pocket expenses. You receive funding for each Medicare-enrolled retiree, spouse, and/or dependent.
  • If you are age 65 or older when your retire, you must enroll in Medicare Parts A and B. Medicare will become your primary healthcare coverage.
  • When you first become eligible, you must enroll in at least one supplemental plan (Medicare Supplement, Medicare Advantage, or Prescription Drug Plan) through Aon Retiree Health Exchange (ARHE).
  • You must have continuous USG retiree healthcare coverage and you must remain enrolled in at least one plan through the exchange to remain eligible for the HRA contribution. If you have a break in coverage or drop coverage with the ARHE, you will no longer be eligible for the HRA funding. 
  • You will pay your monthly healthcare premium directly to the carrier selected through ARHE and you will use your Health Reimbursement Account (HRA) to help cover expenses related to being enrolled in Medicare and a supplemental plan.  If you have questions about your supplemental Medicare insurance or your HRA, contact Aon Retiree Health Exchange, or call 1-866-212-5052.
  • 60 to 90 days before you turn age 65, you’ll receive a Medicare Enrollment Kit so you may enroll in Medicare Parts A and B. You will also receive an appointment letter from Aon Retiree Health Exchange asking you to confirm an appointment with an advisor.
  • Aon Retiree Health Exchange

    Understanding Medicare and how it works can seem daunting. But as a USG retiree, you have access to free, impartial guidance from Aon Retiree Health Exchange. Their Benefit Advisors can help you wherever you are on your Medicare journey and help you understand your options so you can make the right decisions for your retiree health coverage.  

    The Aon Retiree Health Exchange provides:

    • Help you understand the various components of Medicare
    • Access to Medicare (Medicare Advantage, Medicare Supplement, Prescription Drug) plans that cover you wherever you are.
    • Unbiased guidance and help with evaluating your options, comparing plans that fit your needs and budget, and enrolling in coverage.
    • Continued assistance after you enroll and as your needs change.
    • How to utilize your Health Reimbursement Account (HRA)

    Note: If you are a post-65 retiree and you drop or cancel coverage purchased through Aon Retiree Health Exchange, your pre-65 dependent will no longer be covered under the USG healthcare plan.

  • Health Reimbursement Account (HRA)

    How to Pay for Benefits with Your Health Reimbursement Account (HRA)

    As a Post-65 USG retiree, when you enroll in either a healthcare plan (Medicare Supplement or Medicare Advantage) or a pharmacy plan (or both) through Aon Retiree Health Exchange you will receive an annual contribution to your Health Reimbursement Account (HRA) administered by Your Spending Account (YSA). These funds can be used to help pay for Medicare Supplement premiums, vision/dental premiums, and other eligible healthcare expenses, including prescription drug costs and more.  As long as you are enrolled and remain enrolled in a healthcare or pharmacy plan through Aon Retiree Health Exchange, USG will make an annual contribution to your Health Reimbursement Account for you and your covered Medicare-enrolled dependents.  

    If you have a break in coverage or drop coverage with the ARHE, you will no longer be eligible for the HRA funding.  

    Learn more about the HRA here

  • USG Life, Dental and Vision Coverage

    If you are currently enrolled in USG life insurance, dental or vision coverage, you are eligible to continue this coverage in retirement. You do not need to take any action to continue this coverage. However, if you have supplemental and/or dependent life insurance greater than the amount allowed in retirement, you must contact MetLife within 30 days to convert the difference to an individual policy.  

    ARHE also offers dental and vision plans. If you drop coverage under these plans, you cannot re-enroll.

  • Worried about High Prescription Drug Costs?

    Retirees with extremely high usage of prescription drugs may fear reaching the Medicare Part D catastrophic coverage limit. To help protect these retirees from extremely high drug costs, USG has created a special program called the Retiree Catastrophic Health Reimbursement Account.  

    Learn more

  • Education and Events

    To help you understand your USG Retiree Benefits, there are monthly and quarterly webinars. 

    • Monthly Age-In Education Sessions: When you or your covered dependents turn 65, you will need to transition to Medicare. Join one of these monthly sessions to learn more about Medicare and your next steps.
    • Quarterly HRA Education Sessions: For helpful tips on accessing your HRA, setting up auto reimbursements, or filing claims, review this On-Demand session or join one of these  “live” quarterly sessions below:
      • December 15, 2021, 10 am Eastern
      • January 12, 2022, 2 pm Eastern

    To RSVP, visit myexchangeconnection.com/USG/event or call 1-866-212-5052. 

Making Changes to Your Retiree Healthcare Coverage

  • Adding a Spouse after retirement: If your spouse had other healthcare coverage at the time of your retirement and loses coverage at a later date, you are allowed to enroll your spouse within 30 days of the event through a life event and supporting documents. 
  • Dropping Coverage: If you drop your coverage, you will not be allowed to enroll in coverage at a later date. If your dependent’s coverage is lost, you may add them at a later date if you experience a qualifying life event. You must have coverage in place in order for your dependents to have coverage through a qualifying life event.
  • Canceled Coverage:  If your retiree benefits are canceled for nonpayment, you will not be allowed to enroll in USG healthcare insurance at a later date.

If you experience a qualifying life event that allows you to add your eligible dependent, you have 30 days to contact the OneUSG Connect - Benefits team to process your life event.  

Remember, you as the retiree must have continuous coverage in order to add a dependent at a later date. If you drop or cancel coverage for any reason, you will lose your USG retiree benefits, now and in the future.

Frequently Asked Questions

  • I moved recently, where do I update my address?

    If you move, make sure to keep your address up to date with OneUSG Connect - Benefits. Visit OneUSG Connect-Benefits, under the retiree section, click Manage Benefits. Once inside, you will see a tile for Personal Information. You can also update your address by calling 

  • If I drop my coverage, can my dependents remain on the plan?

    Remember that your dependent’s coverage in the USG group plan and eligibility for the HRA is dependent on what you, the retiree, do. If you drop coverage, your dependent’s eligibility will be affected.

    • If you are a pre-65 retiree and you drop or cancel coverage on the USG group plan, your post-65 dependent will lose eligibility for the HRA through the retiree exchange.
    • If you are a pre-65 retiree and you drop or cancel coverage under the USG group plan, your pre-65 dependent will lose USG group coverage.
    • If you are a post-65 retiree and you drop or cancel coverage purchased through Aon Retiree Health Exchange, your pre-65 dependent will no longer be covered under the USG healthcare plan.