2022 Benefits for Pre-65 Retirees

Get Ready to Enroll

USG Open Enrollment is October 25 – November 5, 2021. There are four convenient ways to learn about your 2022 benefits! Attend a session at the systemwide Virtual Benefits Fair, review the 2022 OE Newsletter, explore this website or watch a short benefits overview video to learn what’s changing.

What's New or Changing

  • 2022 Health Plan and Pharmacy Changes
    • Premium increases: There will be slight premium increases across all USG healthcare plans. The change will be between $1 and $21 per month depending on the plan and coverage tier in which you are enrolled. Review the 2022 USG Healthcare Rates for specific rate information.
    • Out-of-pocket maximums increase for the Consumer Choice HSA plan: The in-network employee-only coverage tier out-of-pocket (OOP) maximum will increase from $3,700 to $4,000, and the family tier OOP maximum is increasing from $7,400 to $8,000. The out-of-network employee-only coverage tier will increase from $7,400 to $8,000, and the family tier will increase from $14,800 to $16,000.

    2022 Pharmacy Changes

    • New specialty tier: USG is introducing a new tier for specialty medications if you’re enrolled in the Comprehensive Care and BlueChoice HMO plan.
    • 30-day supply limit for specialty tier: A 30-day supply limit for all new specialty medications will apply.
      • If you are a current member of the Comprehensive Care or BlueChoice HMO plan currently receiving more than a 30-day supply, you can continue to do so by paying 2x or 3x the 30-day supply cost.

    This example assumes a 30-day supply of specialty medication. 

     Specialty TierComprehensive Care BlueChoice HMO
     Drug CostCoinsurance You PayCoinsuranceYou Pay
    Generic $1,500 You pay 20%, with $75 maximum $75 You pay 20%, with $75 maximum $75
    Preferred $3,500 You pay 20%, with $150 maximum $150 You pay 20%, with $150 maximum $150
    Non-preferred$7,500 You pay 35%, with $200 maximum $200 You pay 35%, with $200 maximum $200

    Important Pharmacy Resources

    Prescription Questions? Your Accolade Health Assistant can help you understand your pharmacy benefit coverage and claims, learn what medications are covered, understand how these formulary changes impact you, and more. Contact Accolade at or 1-866-204-9818.

  • HSAs Move from Optum to HSA Bank

    Effective January 1, 2022, HSA Bank will be our new spending account vendor.

    • If you have an HSA balance with Optum, you will be asked to approve the transfer of your account funds from Optum to HSA Bank. You will receive additional instructions during Open Enrollment. Approving the transfer means you’ll access your funds through HSA Bank.

    • To approve the transfer of your current HSA with Optum to HSA Bank, complete your approval here. Access Code: K22UH6

    • If you choose to remain with Optum, you will be responsible for a monthly fee ($3.25/per month) beginning January 1, 2022.

    Get to know HSA Bank by attending a live session or visiting their booth at the systemwide USG Virtual Benefits Fair

  • Tobacco Surcharge

    Retirees enrolled in a USG Healthcare plan must complete the Tobacco User annually, during Open Enrollment. You will pay a surcharge if the below applies or if you do not complete the certification(s):

    • Tobacco surcharge: $100/month per covered family member (age 18+) who uses tobacco products

    For more information about these surcharges, visit the Surcharges page. 

  • 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 in to 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 1-844-5-USGBEN (1-844-587-4236), 8 5 p.m., Eastern time, Monday through Friday.

How to Enroll

To enroll in healthcare benefits, visit, select Manage My Benefits, and click the appropriate button to enroll.

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