Retiree Coverage Costs

Get the details on how much to budget for monthly premiums. 

USG Retiree Premiums

As a USG retiree, the University System of Georgia shares the cost of healthcare coverage with you. The USG has two rate structures that are based on when you were hired. 

• 100% of Employer Healthcare Contribution: Employees hired prior to January 1, 2013, click here to view your retiree healthcare premiums.
• Employer Healthcare Contributions based on Years of Service: Employees hired on or after January 1, 2013 and will retire on or after January 1, 2023, click here to view your retiree healthcare premiums.

USG Tobacco Surcharge, Dental, Vision and Life Insurance Rates

• Tobacco User Surcharge

  ---

  Tobacco User Surcharge  

  As a USG retiree enrolled in USG healthcare coverage, you will need to certify your tobacco user status during each USG Open Enrollment period, for you and your covered dependent's age 18 and older. If you or your covered family member(s) is a tobacco user or if you fail to certify your tobacco user status during Open Enrollment, you will be charged an additional $150 per month for each covered family member who uses tobacco products. 

  Tobacco user refers to the use of tobacco products within the past 3 consecutive months but does not include religious or ceremonial use of tobacco. The term tobacco products refers to any tobacco product including:

  • Cigarettes, cigars, and pipes
  • All forms of smokeless tobacco
  • Clove cigarettes
  • Any other smoking devices that use tobacco, such as hookahs, or simulate the use of tobacco, such as electronic cigarettes
• USG Dental

  ---

  See the Dental page to learn more about what’s covered under these plans. Note: You may change plans at Open Enrollment. However, if you drop dental coverage, you cannot re-enroll at a later date. 

  2025 Monthly Dental Plan Costs

   

  	Dental Dental Base Plan	Dental Dental High Plan
  Retiree Only	$36.86	$45.56
  Retiree + Child(ren)	$70.04	$86.56
  Retiree + Spouse	$73.74	$91.08
  Family	$117.96	$145.80

• USG Vision

  ---

  See the Vision page to learn more about what’s covered under this plan. Note: If you drop vision coverage, you cannot re-enroll at a later date.

  2025 Monthly Vision Plan Costs

  	EyeMed Vision Plan
  Retiree Only	$6.90
  Retiree + Child(ren)	$13.12
  Retiree + Spouse	$15.52
  Family	$20.34

• USG Retiree Life & Accidental Death and Dismemberment

  ---

  You receive Basic life insurance with Accidental Death & Dismemberment (AD&D) coverage equal to $25,000 at no cost to you.   Visit the Life and AD&D Insurance page to learn more about these options. 

  2025 Monthly Supplemental Life and AD&D Costs

  Here are the costs for the supplemental and dependent coverage options. Retiree Life will reduce to a maximum of $15,000. Note: You are eligible to port supplemental life insurance above the $15,000 amount to an individual policy. Contact Metlife for those premiums.  

  Age	Cost per $1,000 of coverage per month
  Under 25	$0.060
  25-29	$0.072
  30-34	$0.096
  35-39	$0.108
  40-44	$0.132
  45-49	$0.180
  50-54	$0.324
  55-59	$0.612
  60-64	$0.936
  65-69	$1.860
  70-74	$3.120
  75-79	$4.200
  80+	$4.200

  2025 Monthly Spouse Life Costs

  Here are the monthly rates for Spouse Life Insurance. Retiree spouse life will reduce to a maximum of $5,000.  Note: You are eligible to continue (Port) spouse life insurance above the $5,000 amount to an individual policy. Contact Metlife for those premiums.  

  Coverage amount	Cost per month
  $5,000	$8.46 per month

  2025 Monthly Child Life Costs

  Here are the monthly rates for Child Life Insurance. Retiree child life will reduce to a maximum of $5,000.  Note: You are eligible to continue (Port) child life insurance above the $5,000 amount to an individual policy. Contact Metlife for those premiums.  

  Coverage amount	Cost per month
  $5,000	$1.50 per month

Retiree Billing

USG provides $25,000 in basic life with matching Accidental Death and Dismemberment (AD&D) coverage. 

USG Retiree Healthcare 

• Pre-65 Healthcare: you must enroll in direct debit to ensure payments are paid in full and made on time, so coverage is not interrupted. Per USG policy, you must pay premiums by automatic direct debit from a checking or savings account.
• 65 and older Healthcare: You will pay your monthly healthcare premium directly to the carrier selected through ARHS and you will use your Health Reimbursement Account (HRA) to help cover expenses related to being enrolled in Medicare and/or a supplemental plan.

USG Retiree Dental, Vision, and Life Insurance 

You must enroll in direct debit to ensure payments are paid in full and made on time, so coverage is not interrupted. Per USG policy, you must pay premiums by automatic direct debit from a checking or savings account.

• To set up an automatic direct debit, call 844-587-4236 or online at OneUSG Connect - Benefits. Under the Retiree section, select Manage My Benefits.
• Your payment will be due on the first of each month for the current month of coverage.
• When you initially retire, your next bill will show as past due. The bill will outline when your payment must be received to avoid the cancellation of your coverage. It is important to pay in full so your coverage is not canceled.
• If your coverage is canceled due to non-payment, your coverage will be canceled back to the last day of the month in which premiums were paid in full. If your retiree benefits are canceled for nonpayment, you will not be allowed to enroll in USG healthcare insurance at a later date.

Please remember, if you are a pre-65 retiree and your spouse is age 65 or older, premium payments for any healthcare plans purchased through Alight Retiree Health Solutions will be made directly to the carrier(s) that you enrolled in. You can then be reimbursed for those payments through the USG HRA either through premium auto-reimbursement or by submitting a claim. When you fill out your enrollment application, your Benefits Advisor will discuss which carriers participate in auto-reimbursement.