Premiums may be different from your active employee premiums depending on you and your spouse’s age when you retire.
If you and your spouse are under age 65: Your premium amount will be the same as the active rate. They are due on the first of the month and per USG policy, must be paid by direct debit to OneUSG Connect - Benefits instead of through payroll deductions. See the Pre-65 Retiree page for more on direct debit.
If you and your spouse are age 65 and older: Your primary coverage will be Medicare Parts A and B. You will enroll in a secondary healthcare plan through Aon Retiree Health Exchange and receive an annual contribution to your Health Reimbursement Account (HRA) to reimburse you for Medicare Part B premiums, healthcare premiums or other out-of-pocket healthcare expenses.
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.
Your payment timing and options are dependent on the carrier in which you enroll and can vary across carriers. Visit the Post-65 Retiree page and the HRA page for more information.
If you (the USG retiree) are age 65 or older, and your spouse is not: Your payment timing and options are dependent on the carrier with which you enroll through the ARHE. However, your pre-65 spouse’s premiums must be paid on the first of the month through direct debit with OneUSG Connect - Benefits.