2022 Benefits for Post-65 Retirees

Get Ready to Enroll!

If you have supplemental Medicare coverage through Aon Retiree Health Exchange or USG retiree coverage, take action during these dates:

  • Medicare Open Enrollment is October 15–December 7, 2021.
  • USG Open Enrollment is October 25–November 5, 2021.

Attend a session at the systemwide Virtual Benefits Fair, explore this website or watch a short benefits overview video to help you prepare for your 2022 Open Enrollment.

If you have supplemental Medicare coverage or USG coverage, make note of these important dates and take action:

  • Medicare Open Enrollment for Medicare Advantage and Medicare prescription plans: October 15–December 7, 2021. If you have a Medicare Supplemental plan, you have until December 31, 2021.
  • USG Open Enrollment: October 25–November 6, 2021
  • HRA Education session (option 1): December 15, 2021, at 10 a.m. Eastern time
  • HRA Education session (option 2): January 12, 2022, at 2 p.m. Eastern time
  • Medicare Open Enrollment

    If you’re satisfied with your supplemental coverage, you only need to take action if your Aon Retiree Health Exchange plan will be discontinued or if there are major changes for 2022. You’ll receive a notice from your carrier in early October if this is the case. 

    However, even if you are satisfied with your current coverage and your plan does not have major changes, the list of covered medications and networks (covered doctors) may also change. Therefore, it is a good idea to confirm that your medications and doctors are still covered under your healthcare plan periodically. 

    Remember, in order for USG to provide a contribution to your Health Reimbursement Account (HRA), you remain enrolled in at least one supplemental insurance (Medicare Advantage, Medicare Supplement, or Medicare Prescription Drug Plan) through the Aon Retiree Health Exchange.  

    Make changes to your Medicare benefits

    Need to make changes to your healthcare coverage for 2022? Medicare Open Enrollment is the only time you can do so. There are different enrollment periods depending on the plan you’re enrolled in:

    • If you’re enrolled in Medicare Advantage and Medicare Part D prescription drug plans, you can make changes for 2022 during Medicare Open Enrollment from October 15 to December 7, 2021. After December 7, you won’t be able to make changes to these plans for 2022.
    • If you’re enrolled in a Medicare Supplement plan, you have until December 31, 2021, to make changes for 2022.

    Tip! If your plan is changing or going away, you will receive will a letter from your carrier and an invitation to schedule an enrollment appointment with the Aon Retiree Health Exchange.

    To enroll or make changes:

    Log in to your Aon Retiree Health Exchange account at Use the tools to compare plans, see pricing or get answers to common questions. If you have questions, contact the Aon Retiree Health Exchange at 1-866-212-5052 to schedule an appointment with a dedicated Benefits Advisor.

  • Maximize your Health Reimbursement Account (HRA)

    As long as you’re enrolled in a healthcare and/or prescription drug plan through the Aon Retiree Health Exchange, you will continue to receive USG’s annual contribution to your HRA.  In 2022, USG will make a $2,736 contribution, which can be used for things like Medicare Part B premiums, Medigap, Medicare Advantage and Medicare Prescription premiums, as well as out-of-pocket costs related to these plans.  

    To ensure you are taking advantage of the annual contributions, join Aon for an HRA Education session on:

    • December 15, 2021, at 10 a.m. Eastern Time, or
    • January 12, 2022, at 2 p.m. Eastern Time.

    At these sessions, you’ll learn how to access your HRA, set up automatic reimbursement requests, update an existing reimbursement request, and can get any other support you may need.  

    To RSVP, visit If you need help RSVPing, call 1-866-212-5052.

  • USG Open Enrollment

    USG Open Enrollment for dental, vision and life insurance benefits is October 25—November 5, 2021. The good news is, your current coverage will continue into 2022. However, it’s always a good idea to review your coverage and beneficiaries every year, as your needs may change.

    Make changes to your USG benefits

    If you are currently enrolled in USG life insurance, dental or vision coverage, you can continue this coverage in retirement.

    • You can change your USG dental, vision, or life insurance coverage during USG Open Enrollment, October 25 to November 5, 2021.
    • You can drop your USG dental, vision, or life insurance coverage at any time, including outside of USG Open Enrollment. If you drop any USG plans, you won’t be able to re-enroll in these plans in the future.

    To make changes to your USG coverage:

    Visit On the USG Faculty & Staff Portal home page, under Retirees, click Manage My Benefits and then click the button for USG Retirees.

    If you have questions about enrollment, call the OneUSG Connect - Benefits Call Center toll-free at 1-844-5-USGBEN (1-844-587-4236). Expert help is available 8 a.m. to 5 p.m. Eastern time, Monday through Friday.

  • Remember to Confirm Your Beneficiaries

    Remember to confirm your beneficiaries

    Take a moment during USG Open Enrollment to make sure you have the correct beneficiaries on file for USG life insurance. It’s a quick yet important task that will ensure that the right person or people receive your benefits in case something happens to you.  

    Designating your beneficiary is quick and easy!  

    Log into your OneUSG Connect - Benefits account at

    Then, follow these steps.

    • Under Your Action Needed select the Add Your Beneficiary Now link.
    • Select the Choose Beneficiaries link. From here, you can enter names and benefit percentages.
    • Click on the Submit button after you enter your information.

    Or call the OneUSG Connect - Benefits Call Center at 1-844-587-4236, 8 a.m.–5 p.m., ET, Monday–Friday.

Frequently Asked Questions

  • I recently moved. How do I update my address?

    Reach out to the OneUSG Connect - Benefits Call Center. You can visit or call 1-844-587-4236 to update your personal information. You should also contact Aon to see if the change in address will affect your coverage through the Aon Retiree Health Exchange. Please do not update your address directly with the carrier without speaking to Aon first. 

  • What happens if my premium changes for a Medicare plan?

    When you enroll through Aon, your insurance company will submit your new premium to Your Spending Account (YSA) so you continue to be accurately reimbursed. This could take up to 60 days from the new premium effective date. You will most likely see this delay with your January premium reimbursement. If you enrolled outside of Aon for one of your plans (USG dental/vision or Medicare Part B), you will need to submit a new claim and documentation showing the amount of your new monthly premium in order to be accurately reimbursed. As a reminder, you must enroll or maintain your enrollment in a medical and/or prescription drug plan through Aon to remain eligible for the HRA through USG.

  • What is Your Spending Account (YSA)?

    Your Spending Account (YSA) is the administrator that holds your HRA contributions and manages your reimbursement requests. To access your HRA online:  

    • Go to
    • Log in to your account
    • Click My HRA, which will take you to the HRA tab
    • Click Manage My HRA to be linked to your YSA account