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Retiree Premiums

Retiree Coverage Costs

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

Retiree Premiums  

USG provides $25,000 in basic life with matching Accidental Death and Dismemberment (AD&D) coverage. For healthcare plans, USG shares the cost of coverage with you. The premiums included here are your total monthly plan costs based on whether you are Medicare-eligible and the type of coverage in which you’re enrolled.  

Pre-65 retirees will pay monthly healthcare premiums via direct debit from a checking or savings account. To set up an automatic direct debit, or if you have questions about your billing, call OneUSG Connect - Benefits at 1-844-587-4236.

Post-65 retirees will enroll in supplemental healthcare coverage through Aon Retiree Health Exchange (ARHE). Premium payments for plans purchased through Aon Retiree Health Exchange will be made directly to the carrier(s). You can then be reimbursed for those payments through the USG funded Health Reimbursement Account (HRA). Learn more here. 

  • Pre-65 Healthcare

    See the Healthcare Coverage Options and Pharmacy pages to learn more about what’s covered under these plans.  

    Tobacco User Surcharge  

    When you enroll in USG healthcare coverage, you’ll need to indicate if you or your covered family members age 18 or older are tobacco users. If you or your family member is a tobacco user, you will be charged an additional $100 per month for each covered family member who uses tobacco products. Additionally, you must re-certify your tobacco user status each Open Enrollment period.

    ”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

    2022 Monthly Healthcare Costs for Pre-65 Retirees

     Coverage TierAnthem Consumer Choice HSAAnthem Comprehensive CareAnthem BlueChoice HMOKaiser Permanente HMO
    Non-Medicare Retiree Only$83.20$193.34$228.32$171.64
    Non-Medicare Retiree + Child(ren)$176.64$374.92$437.88$329.30
    Non-Medicare Retiree + Non-Medicare Spouse$206.12$437.42$510.88$384.18
    Family (Non-Medicare Retiree + Non-Medicare Spouse + Child(ren))$294.44$624.88$729.82$548.84

     

    2022 Monthly Healthcare Costs for Medicare-Eligible (Post-65) Retirees 

    Pre-65 Medicare Eligible Coverage TierConsumer Choice HSA Comprehensive Care BlueChoice HMO Kaiser Permanente HMO 

    Pre-65 Medicare Retiree or  

    Pre-65 Medicare Spouse Only or  

    Pre-65 Medicare Child +26 yrs old  

     $83.20 $169.17 N/A  $136.00

    Pre-65 Medicare Retiree or  

    Pre-65 Medicare Spouse + Child(ren)  

     $176.64 $350.75 N/A  $293.66
    Non-Medicare Retiree + Pre-65 Medicare Spouse  $166.40 $362.51 $510.88 $307.64
    Pre-65 Medicare Retiree + Pre-65 Medicare Spouse  $166.40 $338.34 N/A  $272.00

    Family (Non-Medicare Retiree +  

    Pre-65 Medicare Spouse + Child(ren))  

     $259.84 $544.09  $729.82  $465.30
    Pre-65 Medicare Retiree + Non-Medicare Spouse  $206.12 $413.25  N/A  $348.54

    Family (Pre-65 Medicare Retiree +  

    Non-Medicare Spouse + Child(ren))  

     $299.56 $594.83 N/A  $506.20
     Family (Pre-65 Medicare Retiree + Child(ren))  $176.64 $350.75 N/A  $293.66
     Family (Pre-65 Medicare Spouse + Child(ren))  $176.64 $350.75 N/A  $293.66
     Family (Pre-65 Medicare Retiree + Pre-65 Medicare Spouse + Child(ren))  $259.84 $519.92 N/A  $429.66
  • Post 65 Retirees

    The USG provides healthcare benefits in retirement to employees who meet the definition of retiree under the Board of Regents’ Policy 8.2.8.2 and who are enrolled in a USG healthcare plan participant immediately before retirement. See the chart below to see USG Contribution.

    Current Retirees (Hired before January 1, 2013)

    For 2021, USG will contribute up to $2,736 to your HRA, for you and/or your Medicare-enrolled spouse. 

    Note: As a Retiree, you must be enrolled in Medicare Part B and enrolled in a supplemental plan through Aon Retiree Health Exchange to receive USG’s contribution to your HRA.

    Employees hired on or after January 1, 2013

    For employees hired on or after January 1, 2013, USG’s contribution for Post-65 retiree healthcare is based on years of service with the University System of Georgia.  

    USG will contribute up to $2,736 to your HRA every year, for you and/or your Medicare-enrolled spouse. See the USG Healthcare Contribution table below. Note: As a Retiree, you must be enrolled in Medicare Part B and enrolled in a supplemental plan through Aon Retiree Health Exchange to receive USG’s contribution to your HRA.  

    Employees retiring with 10 years of service with USG will receive 21% of the employer contribution toward their retiree healthcare costs, up to a maximum of 100% of the employer contribution for 30 or more years of service.

    Retirees enrolled in USG Retiree BenefitsUSG’s contribution
    30 or more years of service100% of employer contribution
    2997%
    2894%
    2791%
    2689%
    2586%
    2481%
    2377%
    2273%
    2169%
    2064%
    1960%
    1856%
    1751%
    1647%
    1543%
    1439%
    1334%
    1230%
    1126%
    1021%
    Fewer than 10 years0%

    Note: If an employee meets the Board of Regents’ retirement eligibility requirements,  USG will recognize former state service as years of service for the employer contribution.

  • Dental

    See the Dental page to learn more about what’s covered under these plans. 

    2022 Monthly Dental Plan Costs

     Delta Dental Base PlanDelta Dental High Plan
    Retiree Only$31.98$39.52
    Retiree + Child(ren)$60.74$75.08
    Retiree + Spouse$63.96$79.00
    Family$102.32$126.46
  • Vision

    See the Vision page to learn more about what’s covered under this plan.

    2022 Monthly Vision Plan Costs

     EyeMed Vision Plan
    Retiree Only$6.90
    Retiree + Child(ren)$13.12
    Retiree + Spouse$15.52
    Family$20.34
  • Life and AD&D Insurance

    You receive life insurance with Accidental Death & Dismemberment (AD&D) coverage equal to $25,000 at no cost to you. Here are costs for the supplemental and dependent coverage options.  

    Visit the Life and AD&D Insurance page to learn more about these options. 

    2022 Monthly Supplemental Life and AD&D Costs

    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

    2022 Monthly Spouse Life Costs

    Coverage amountCost per month
    $5,000$2.35 per month

    Remember, you are eligible to convert your life insurance greater than $25,000 to an individual policy at the active rates above. Contact MetLife within 30 days of your retirement for more details.

    Phone: 1-800-638-6420

    Policy#: 307601