Learn about 2027 beneifts by:
As a retiree, you can only make changes to benefits in which you are already enrolled. You may not add benefits in retirement. If you disenroll in any coverage, you will not be allowed to re-enroll at a later date.
To make changes to your USG healthcare, dental and vision coverage or to update your life insurance beneficiaries, visit OneUSG Connect - Benefits and select Manage My Benefits. If you have questions, call the OneUSG Connect - Benefits Call Center at 1-844-587-4236. Expert representatives are available 8 a.m. to 5 p.m. Eastern time, Monday through Friday.
Schedule an appointment to meet with a Virtual Benefits Counselor to receive an in-depth benefits review and get help making your 2026 benefits elections. To schedule an appointment, visit benefitsgo/USG during Open Enrollment.
Enroll anywhere, anytime with the Alight Mobile app
Please visit oneusgconnect.usg.edu to make sure your password has not expired. Then, download the Alight Mobile app from alight.com/app, the App Store or Google Play for an easy way to enroll on the go and access your USG benefits.
Select Login with your Alight credentials. Your Alight credentials are the same as your login for oneusgconnect.usg.edu.
If you are enrolled in a USG healthcare plan, you are required to complete certification EACH YEAR during open enrollment for tobacco use. You must certify whether you (and your covered family members age 18+) use tobacco. Learn more about the tobacco use surcharge and when it applies.
The 2027 Tobacco Use surcharge is $150/month. It will be applied to each covered member (employee, spouse, child 18+). Note: one surcharge will be applied for all children who use tobacco.
Once you enroll for 2027, remember to review your confirmation statement and make any corrections to your surcharge status(es) by December 31, 2026 to ensure your surcharges are captured correctly.
Remember! Even if you do not wish to make changes to your benefits for 2027, you MUST log into the OneUSG Connect - Benefits enrollment portal and complete your surcharge certifications EVERY YEAR during Open Enrollment if you are enrolled in a USG healthcare plan.
Planning to quit tobacco? That's great! Select the “Cessation” option to notify us of your intent to quit. By selecting the cessation option, you will not be charged the surcharge until April 1, 2027. View the list of no-cost cessation programs and resources available to you. Then, complete a tobacco cessation program of your choice and notify the One USG Connect - Benefits Call Center of your completion of the program. If you stop using tobacco products or complete a tobacco cessation program, you must update your tobacco use status with OneUSG Connect - Benefits at 1-844-587-4236 to avoid the surcharge.
If you do not complete a cessation program, do not stop using tobacco or fail to update your tobacco use status, the tobacco surcharge will be applied beginning April 1, 2027. You may update your status at any time during the year, but the surcharge will be removed the first of the month following the date you update your status (e.g., status update May 15, surcharge removed effective June 1).
During Open Enrollment, you’ll have support to help you review and modify the benefits that work best for you and your family. In addition to our regular call center support, you can schedule an appointment with a Virtual Benefits Counselor. Remember, as a retiree, if you drop any USG coverage you will not be allowed to re-enroll at a later date, even if you experience a qualifying life event.
Virtual Benefits Counselors can help you:
Schedule an appointment with a Virtual Benefits Counselors
Visit benefitsgo/USG and click the link to access the appointment scheduler. You can access the appointment scheduler as early as October 12 (two weeks prior to the start of Open Enrollment). Appointment times are available in 45-minute increments during the Open Enrollment Period from 9 a.m. to 9 p.m. Monday through Friday with as little as one hour's notice.
You will receive an appointment confirmation email and a link to a Microsoft Teams meeting immediately. At the scheduled date and time, simply click on the Microsoft Teams meeting link in your confirmation email to join the video call with your Virtual Benefit Counselor.
To make enroll changes without the help of a Virtual Benefits Counselor, go to the OneUSG Connect - Benefits website and click Manage My Benefits for the self-service enrollment portal or call OneUSG Connect - Benefits at 844-587-4236 from 8 a.m. to 5 p.m. Monday through Friday.
Prep Tip! To prepare for your Virtual Benefits Counselor video call, make sure you find a quiet place for your call with a good internet connection, allow 30 minutes to complete your enrollment, and have your personal and dependent information (names, dates of birth and Social Security numbers) ready.
There are no changes to the plan designs for any USG healthcare plans in 2027. Copays, coinsurance, and deductibles (if applicable) will remain the same. For more details on USG's healthcare options, review the 2027 Comparison Guide. The information in the chart is a summary and reflects in-network benefits only.
USG is working to keep coverage as affordable as possible. For 2027, national healthcare costs were projected to increase by 9%, but USG has kept employee premium increases to an average of 6% acrosss all healthcare plans.
Employee Monthly Premium | Anthem (USG Self-Insured Coverage) | Kaiser (Fully Insured) | ||
Tier | Consumer Choice HSA | Comprehensive Care | BlueChoice HMO | HMO |
Employee | $109.74 | $248.90 | $301.84 | $230.74 |
Employee + Child(ren) | $241.16 | $491.66 | $586.94 | $451.12 |
Employee + Spouse | $281.36 | 573.62 | $684.78 | $526.32 |
Family | $401.94 | $819.44 | $978.24 | $751.88 |
Anthem members: As of January 1, 2027, your pharmacy benefits will be managed by Express Scripts, part of Evernorth Health. All Anthem enrolled members will receive a Welcome Kit in December by mail. Express Scripts will work with employees who may be impacted by network or formulary changes. They have developed a website to help you learn more about your coverage, find pharmacies, the mail order process, prior authorization steps, and the specialty pharmacy. Learn more
Kaiser members: There are no changes to your pharmacy benefits for 2027.
All members: Although your covered medications (formulary) can change throughout the year, you can expect a number of changes in January. Even if your medications haven't changed, coverage for them may have, so be sure to check your medications against the approved drug lists. To see the most up-to-date drug list, log into your account with Express Scripts (after January 1) or Kaiser Permanente.
2027 formulary lists - COMING SOON!
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.
Employee Monthly Premium | Delta Dental Base | Delta Dental High |
| Employee | $39.38 | $48.66 |
| Employee + Child(ren) | $74.82 | $92.46 |
| Employee + Spouse | $78.78 | $97.30 |
| Family | $126 | $155.76 |
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
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.
Employee Monthly Premium |
|
| Employee | $6.90 |
| Employee + Child(ren) | $13.12 |
| Employee + Spouse | $15.52 |
| Family | $20.34 |
All Medicare enrolled retirees and dependents will transition to individual coverage through Alight Retiree Health Solutions as of January 1, 2027. USG will provide a health reimbursement account (HRA) when you enroll in coverage that can be used to fund eligible health care expenses, including Medicare Part B premiums. A transition kit has been mailed to impacted retirees and dependents to assist with this change.
Register for the October 6th informational webinar hosted by ARHS.
Even if you’re not enrolled in one of our healthcare plans, you need a beneficiary for your Basic Life Insurance provided by USG. You will need to add 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.
To receive an electronic Confirmation of Benefits statement for your 2027 enrollment elections (including your surcharge certification) and other important benefit updates, visit oneusgconnect.usg.edu to validate your personal information.
Click Manage My Benefits. Once logged in, select Validate Your Personal Information and confirm your preferred email address or update it and click Submit.
You MUST provide an email address to receive an electronic Confirmation of Benefits statement.
If you notified your HR/Benefits department before October 14, 2026 of your intent to retire, you will not receive an ACTIVE open enrollment event from OneUSG Connect - Benefits. Instead, once you retire, you will be automatically enrolled in the same healthcare, dental, vision, and basic life insurance you had in place just prior to retirement. Shortly thereafter, a RETIREE open enrollment event will trigger in the OneUSG Connect - Benefits enrollment portal. You MUST complete the RETIREE open enrollment event, or the tobacco surcharge will be applied by default in the new year.
If you notified your HR/Benefits department before October 14, 2026 of your intent to retire, you will not receive an ACTIVE open enrollment event from OneUSG Connect - Benefits. Instead, once you retire, you will be automatically enrolled in the same healthcare, dental, vision, basic life insurance, and tobacco use surcharge status you had in place just prior to retirement. No action is required to maintain your coverage.
However, if you would like to make any changes to your coverage for 2027, you MUST contact OneUSG Connect - Benefits by January 31, 2027 at 1-844-436-. Otherwise, your next opportunity to make changes will be during open enrollment for 2028.
Approximately 90 days before your 65th birthday, you should enroll in Medicare Parts A & B. Additionally, you should have begun receiving communications from Alight Retiree Health Solutions (ARHS). You will need to make an appointment with an ARHS enrollment counselor to select a Medicare Supplement, Medicare Advantage or Medicare prescription drug plan in order to receive the annual employer Health Reimbursement Account (HRA) contribution.
If you haven't already, register to attend one of the monthly age-in sessions offered by Alight Retiree Health Solutions for assistance with the transition to post-65 benefits.
You can also review the Turning 65, Now What? webinar from last year for more information from USG, the Social Security Administration, and Alight Retiree Health Solutions.