If you have USG dental, vision, or life coverage you may need to take action during USG's 2027 Open Enrollment period, October 26 - November 6, 2026.
If you have supplemental Medicare coverage with Alight Retiree Health Solutions (ARHS), you may want or need to take action during Medicare Open Enrollment, October 15 - December 7, 2026.
Please review the USG Retirement Planning Guide to discover how your USG benefits will transition in retirement.
Open Enrollment if you’re retiring before January 1, 2027:
If you are currently enrolled in USG dental, vision or life insurance coverage, you can continue this coverage.
To make changes to your USG coverage
For 2027, the employee dental plan premiums will increase an average of 2%. Coverage is through Delta Dental. Maximize your savings by visiting a dentist in the Delta Dental PPO or Premier networks. Both PPO and Premier dentists cannot charge you more than their agreed upon fees in-network, helping to lower your cost. Each plan allows you to visit any licensed dentist, so even if you dentist isn't in either Delta Dental network, you still have coverage though you save the most by using an in-network dentist.
Click to find a network dentist. Enter your zip code and select All from the network dropdown to include PPO and Premier dentists in your search.
Retiree Monthly Premium | Delta Dental Base | Delta Dental High |
| Retiree | $39.38 | $48.66 |
| Retiree + Child(ren) | $74.82 | $92.46 |
| Retiree + Spouse | $78.78 | $97.30 |
| Family | $126.00 | $155.76 |
Vision benefits are provided by EyeMed Vision Care. There is no change to the premiums for 2027. The EyeMed Vision Care plan saves you money on routine eye exams and materials (glasses, contacts, sunglasses). The USG vision plan includes Eye360, where members receive $0 exam copay plus an extra $50 added to the allowance for eyeglass frames or contact lenses. The vision plan uses the Insight network. Click to find a network provider near you. Look to the top of the page and click Find an eye doctor.
NEW! In 2027, enrolled members can receive reimbursement for hearing exams and prescription hearing aids. Hearing benefits will be available through the EyeMed Hearing Indemnity Plan:
Hearing exam:
• Adults – $50 reimbursement every 24 months
• Kids – $50 reimbursement every 12 months
Prescription hearing aids:
• Adults – $400 reimbursement per ear every 48 months
• Kids – $400 reimbursement per ear every 24 months
Other considerations:
• No network – members can go anywhere (including Costco)
• Plan can be combined with other benefits
Employee Monthly Premium |
|
| Employee | $6.90 |
| Employee + Child(ren) | $13.12 |
| Employee + Spouse | $15.52 |
| Family | $20.34 |
If you have supplemental Medicare coverage or USG coverage, make note of these important dates:
Medicare Open Enrollment: October 15 - December 7, 2026
HRA Education Sessions:
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 2027. 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:
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. If you have pre-65 non-Medicare enrolled dependents enrolled in a USG healthcare plan, they will lose that coverage if you do not remain enrolled in at least one plan through ARHS.
Need to make changes to your healthcare coverage for 2027? There are different enrollment periods depending on the plan you’re enrolled in:
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.
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). Medicare Part A & B is primary coverage. Learn more about your HRA with Your Spending Account (YSA).
Note: If you have a spouse or children enrolled in a USG Pre-65 healthcare plan, they will lose coverage if you don’t remain enrolled through ARHS.
Annual HRA Funding
Alight Retiree Health Solutions mails an annual HRA funding statement each year. Learn more about USG retiree funding at Planning for Retirement.
Auto-Reimbursement
HRA Education Sessions
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, visit myexchangeconnection.com/usg/event or call 1-866-212-5052.
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:
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.
To update your USG life insurance beneficiaries, log in to oneusgconnect.usg.edu and:
You may also call 1-844-587-4236 from 8 a.m. to 5 p.m. Eastern time, Monday through Friday.
No. USG Retirees who are not currently enrolled in USG benefits or who have dropped coverage cannot re-enroll.
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:
No. You are not eligible for an HRA or USG’s contribution if you are not continuously enrolled in coverage through Alight Retiree Health Solutions (including Medicare Supplement, Medicare Advantage or Prescription Part D).
Please note: If you have a spouse or children enrolled in a USG Pre-65 healthcare plan, they will lose coverage if you do not remain enrolled through ARHS.