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2025 Benefits for Post 65 Retirees

Get Ready To Enroll

If you have supplemental Medicare coverage with Alight Retiree Health Solutions (ARHS) or USG dental, vision or life coverage, you may need to take action during these dates:

  • Medicare Open Enrollment is October 15 – December 7, 2024.
  • USG Open Enrollment is October 28 – November 8, 2024.
  • Medicare Open Enrollment

    If you’re satisfied with your coverage, you only need to take action if your Alight Retiree Health Solutions plan will be discontinued or if there are major changes for 2025. If your plan is changing or going away, you will receive a letter from your carrier describing the changes. If you would like to make a change to your plan, reach out to Alight Retiree Health Solutions to schedule an appointment with an Alight Retiree Health Solutions licensed Benefits Advisor.

    As you prepare for Medicare Open Enrollment, we recommend that you complete these important actions:

    • Log in to your Alight Retire Health Solutions account. Use the health plan comparison tool to make sure your current plan is right for your future healthcare needs.
    • Confirm that your doctors will continue to be covered under your current plan.
    • Compare your medications against the approved drug list to make sure your plan will cover your medications and be cost effective.
    • Confirm your address and phone number are up to date in OneUSG Connect - Benefits at 1-844-587-4236. Do not call your carrier to update your address unless advised by your Alight enrollment counselor.
    • Review and update your life insurance beneficiary(ies) in OneUSG Connect - Benefits.

    Remember, you must remain enrolled in at least one plan (Medicare Supplement, Medicare Advantage or Prescription Part D) through Alight Retiree Health Solutions to continue to receive the annual HRA contribution.

  • Important Dates

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

    Medicare Open Enrollment: October 15 – December 7, 2024

    • Medicare Advantage and Medicare Part D prescription plans: December 7, 2024
    • Medicare Supplement plan changes: December 31, 2024

          HRA Education Sessions:

    • December 10, 2024, at 9 a.m. Eastern time, or 
    • January 9, 2024, at 2 p.m. Eastern time
  • Make Changes to Your Medicare Benefits

    Need to make changes to your healthcare coverage for 2025? 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 to these types of plans for 2025 during Medicare Open Enrollment from October 15 to December 7, 2024. After December 7, you won’t be able to make changes to these plans for 2025.
    • If you’re enrolled in a Medicare Supplement plan, you have until December 31, 2024, to make changes to these types of plans that begin January 1, 2025. 

    To enroll or make changes:

    Log in to your Alight Retiree Health Solutions account at retiree.alight.com/usg or contact Alight Retiree Health Solutions at 1-866-212-5052 to schedule an appointment with a licensed Benefits Advisor.

    Watch the Post-65 retiree presentation 

  • Health Reimbursement Account (HRA)

    As a USG Retiree, you receive an annual contribution to a Health Reimbursement Account (HRA). This account can be used for healthcare expenses such as Medicare Part B premiums, Medigap, Medicare Advantage and Medicare Prescription premiums, vision and dental premiums and other eligible out-of-pocket costs. 

    To be eligible for funding, you must remain continuously enrolled in a Medicare Supplement, Medicare Advantage or Medicare Prescription Drug Plan through Alight Retiree Health Solutions (ARHS). To learn more about your HRA with Your Spending Account (YSA), visit benefits.usg.edu/benefits-resources/health-reimbursement-account.

    Annual HRA Funding

    • For employees hired on or after January 1, 2013: When you retire, the USG contribution to your HRA will be based on your years of service.
    • For retirees age 65 and over: You will receive a percentage of $2,640 up to 100%, based on your years of service.
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    Alight Retiree Health Solutions mails an annual HRA funding statement each year. Learn more about USG retiree funding at https://benefits.usg.edu/benefits-resources/planning-for-retirement.

    Auto-Reimbursement

    • If you are receiving auto reimbursement for your premiums and your premiums change, your carrier will notify Alight Retiree Health Solutions of the change in premium for 2025. You do not need to take any action. It can take the carrier up to 60 days from January 1 to communicate the updated premium to Alight. In the meantime, you will continue to receive your current reimbursement amount until the update is received.
    • If you submitted a manual claim form to have your premiums recur each month and there is a change to your premium amount, you will need to submit a new claim form with your new premium amount. If you do not submit a new claim form, your current amount will continue to be reimbursed.

    HRA Education Sessions

    • December 10, 2024, at 9 a.m. ET
    • January 9, 2024, at 2 p.m. ET

    At these sessions, you learn how to access and manage your HRA, get reimbursed, and how to submit a premium or expense claim. To register, call 1-866-212-5052.

  • Receive Important Updates

    There’s a new feature for you! Sign up to receive text messages from Alight and stay up to date on important information about Open Enrollment, plan changes and appointments. 

    Signing up for text messages is simple:

    • Go to My Profile
    • Scroll to Communication Preferences
    • Select Text Messages
  • Making Changes to Your USG Benefits

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

    • You can change your USG dental option during USG Open Enrollment or any other time during the year.
    • You can drop your USG dental, vision and life insurance at any time. However, if you drop any USG plans, you will not be eligible to re-enroll in these plans in the future.

    To make changes to your USG coverage

    Enroll on the go! Download the Alight Mobile app from alight.com/app, the App Store or Google Play for an easy way to enroll on the go. If you don't log in to oneusgconnect.usg.edu often, we recommend that you make sure your password has not expired prior to downloading the Alight Mobile app. After downloading the Alight Mobile app:

    • Enter University System of Georgia
    • Select Login with your Alight Credentials
      • Tip! Your Alight credentials are the same as your login to OneUSG Connect - Benefits.
  • Update Your Beneficiaries

    Even if you’re not enrolling or changing your healthcare plans, you will need to add or update a beneficiary for your USG life insurance. You will need your beneficiary’s name, contact information and Social Security number. Contact OneUSG Connect - Benefits at 1-844-587-4236 or update online at oneusgconnect.edu.

  • New for 2025! Auto, Home and Renters Insurance

    In 2025, you can choose to enroll in auto, home and renter’s insurance through Farmers Insurance Choice®. You can quickly and easily compare and save with multiple quotes on auto, home and renter’s insurance. Farmers Insurance Choice® makes it easy to choose the coverage best suited for your needs.

    Coverage offering:

    • Homeowners
    • Renters
    • Automobile
    • Watercraft
    • Mobile Homes
    • Motorcycles
    • Recreational Vehicles

Farmers Insurance Choice® allows you to:

  • Compare and save with ease
  • Get personalized quotes by phone
  • Save even more when bundling auto and home or renter’s policies together

To learn more visit metlife.com/borusg or call 1-866-586-6048.

  • Planning Your Retirement During Open Enrollment

    Get ready for retirement by reviewing the Retirement Planning Guide to discover how your USG benefits will transition in retirement.

    Here’s what you need to know about Open Enrollment if you’re retiring before January 1, 2025:

    • If you have already notified your campus HR/Benefits Office of your intent to retire, you will not have an Open Enrollment event.
    • If you have not notified your campus HR/Benefits Office of your intent to retire, you will have to complete the Open Enrollment event and your retirement event.

Frequently Asked Questions

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

    You can visit oneusgconnect.usg.edu or call 1-844-587-4236 to update your personal information at any time during the year. You should also contact Alight Retiree Health Solutions to see if the change in address will affect your coverage through ARHS. Please do not call the carrier directly to make a change, as doing so may cause a disruption in your annual Health Reimbursement Account.

  • Who is Your Spending Account (YSA)?

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

    • Go to retiree.alight.com/usg
    • 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