UGA insurance for retirees

This information is only a summary of the benefits available to University of Georgia retirees. The provisions and details of each plan described in this document are governed by the contracts negotiated between the University of Georgia, the University System of Georgia, and individual insurance companies. All benefits are subject to change at the discretion of the Board of Regents or the University of Georgia. If there is a difference between the information in this summary and the actual benefit contracts, the terms and conditions of the contracts prevail.

If you have any questions about your benefits options, please contact Human Resources at 706-542-2222 or e-mail benefits@uga.edu.

Open enrollment information

Pre-65 Retirees (includes those who are Medicare-eligible due to disability)

For information about open enrollment for coverage in 2016, please click here. An open enrollment packet has been mailed to all pre-65 retirees and retirees of any age who continue to have University System of Georgia dental, vision, and life insurance.

Open enrollment for University System of Georgia (USG) health, dental, and vision coverage is November 2-13, 2015.

Retirees 65+

For information about health care coverage in 2016, please click here.

Open enrollment for health coverage through the Aon Retiree Exchange is October 1-December 31, 2015. Call the Aon Retiree Health Exchange at 1-866-212-5052 for more information regarding enrollment.

Open enrollment for University System of Georgia (USG) dental and vision coverage is November 2-13, 2015.

Retirees approaching age 65

When retirees reach 65 years of age, Medicare will become the primary payer and secondary insurance will be provided through the Aon Retiree Health Exchange.

Approximately three months prior to turning 65, retirees will be contacted by the Aon Hewitt (Administers of the Aon Retiree Health Exchange) about transitioning health coverage from UGA to the Aon Retiree Health Exchange. Retirees must apply for Medicare at this time in order to avoid a gap in coverage. There can be no extension in UGA coverage due to a late Medicare enrollment by retirees and their dependents age 65 and older.

  • Please send UGA HR a copy of your Medicare card as soon as you receive it. Our mailing address is 215 S. Jackson Street Athens, GA 30602.

 

How does the transition to Medicare coverage work? 

Once you become eligible for Medicare, your secondary insurance will be provided through the Aon Retiree Health Exchange and will also begin on the effective date listed on your Medicare card.  Your UGA insurance will be discontinued at that time. You will need to contact Aon 30 days before you become eligible for Medicare so that you are enrolled in a health plan on the AON Retiree Health Exchange when you become eligible for Medicare.

Health Insurance (available to pre-65 retirees and pre-65 disability retirees only. Effective 1/1/2016)

Click here to view specific information on the various health insurance plans offered at the University of Georgia.

Per Board of Regents policy, when retirees elect to retain insurance in retirement, electronic withdrawal of funds (auto debit) is the required method of payment for benefit premiums. The Request for Bank Draft for Insurance Premiums form should be completed and submitted as directed on the form.

Note: Retirees are subject to any future health insurance premium adjustments.

Are you or your covered dependent(s) eligible for Medicare?
When you and/or any of your covered dependents are 65 years of age or older, your coverage will be provided through the Aon Retiree Health Exchange. Please see more information here.

Part D Medicare & your prescription coverage through your UGA health plan.
Please contact Human Resources at 706-542-2222 if you have questions relating to Medicare Part D. (Pre-65 retirees only)

Have you experienced a change in your family status?

You must add eligible dependents within 31 days of the change of family status (birth, adoption, marriage, etc.).

check mark In any of the cases listed below, you MUST provide supporting documentation in order to add dependents to your health plan coverage. If you do not provide this documentation, your dependent will NOT be added to your coverage.

Read about what documentation is required to add a dependent

Use this fax cover sheet to send documents to HR

  • In the event of a retiree’s death, a covered spouse may continue health coverage indefinitely or until remarriage. All other covered dependents may remain covered as long as they are eligible under the plan guidelines for eligibility. All covered dependents must complete and return an enrollment form in order to continue health coverage after the death of a retiree. 
    • Once a surviving dependent reaches age 65, secondary health coverage will be provided through the Aon Retiree Health Exchange.
  • As a retiree, you may add newly acquired dependents to your health insurance plan if you were single when you retired.
  • You may add newly acquired dependents if you had employee + child, employee + spouse, or family coverage when you retired, and had all eligible dependents covered.
  • You may not add newly acquired dependents if, at the time of your retirement, you were married or had eligible dependents but you elected individual health insurance coverage.
  • If you have family coverage, employee + child, or employee + spouse coverage, you may cancel your coverage or drop a dependent at any time. 
  • If both you and your spouse retire from UGA, you should call the Employee Benefits Department for information about adding dependents to your health insurance coverage.

Medicare Part D coverage for USG retirees

View information about SilverScript. (For pre-65 Social Security disability retirees)

Tobacco surcharge (applies to pre-65 retirees only)

A tobacco surcharge of $75 per tobacco user will be charged to health plan participants if they use tobacco products. The $75 tobacco surcharge applies to any tobacco use by the covered retiree or surviving dependent and covered dependents age 18 and older.

This surcharge will be added to your bank draft (or monthly bill), which includes your health insurance premium. This surcharge is designed to encourage tobacco users to adopt a healthier lifestyle.

This surcharge can be removed only if you certify (by completing a tobacco use affidavit) that you and/or your covered dependents have stopped using tobacco products.

If you and/or any covered dependent age 18 and older use tobacco products, you must complete the tobacco use affidavit and return it to UGA Human Resources.

Dental insurance (available to all retirees regardless of age who carried dental insurance into retirement)

Click here to view specific information about dental insurance plans offered at the University System of Georgia.

Note: Retirees are subject to any future dental insurance premium adjustments.

Per Board of Regents policy, when retirees elect to retain insurance in retirement, electronic withdrawal of funds (auto debit) is the required method of payment for benefit premiums. The Request for Bank Draft for Insurance Premiums form should be completed and submitted as directed on the form.

Is there a reduced retiree rate for dental coverage?
Your premium charges will continue at the same level as those of active employees. There is no reduction connected with your dental insurance.

Does the dental insurance coordinate with Medicare?
There is no coordination of benefits between Medicare and your dental insurance.

Have you experienced a change in your family status?
You must add dependents within 31 days of the change of family status (birth, adoption, marriage, etc.).

  • In the event of a retiree’s death, a covered spouse may continue dental coverage indefinitely or until remarriage. All other covered dependents may remain covered as long as they are eligible under the plan guidelines for eligibility. All covered dependents must complete and return an enrollment form in order to continue dental coverage after the death of a retiree.
  • You may add newly acquired dependents if you were single when you retired. (within 31 days)
  • You may add newly acquired dependents if you had employee + child, employee + spouse, or family dental coverage when you retired, and had all eligible dependents covered.
  • You may not add newly acquired dependents if, at the time of your retirement, you were married or had eligible dependents but you elected individual coverage.
  • If you have questions about dependent or spouse coverage, please contact Employee Benefits at 706-542-2222.

Need to cancel or change your dental coverage?

  • If you have individual dental coverage, you may cancel your coverage at any time.
  • If you have employee + child, employee + spouse, or family dental coverage, you may cancel your coverage or drop a dependent at any time. 
  • If both you and your spouse retire from UGA, you should call Employee Benefits (706-542-2222) for information about adding dependents to your dental insurance coverage.
  • Please note that once coverage is dropped, it will not be able to be added in the future.

 

Vision insurance (available to all retirees regardless of age who carried vision insurance into retirement)

Click here to view specific information about vision insurance plans offered at the University System of Georgia.

Note: Retirees are subject to any future vision insurance premium adjustments.

Per Board of Regents policy, when retirees elect to retain insurance in retirement, electronic withdrawal of funds (auto debit) is the required method of payment for benefit premiums. The Request for Bank Draft for Insurance Premiums form should be completed and submitted as directed on the form.

 Is there a reduced retiree rate for vision coverage?
Your premium charges will continue at the same level as those of active employees. There is no reduction connected with your vision insurance.

 Does the vision insurance coordinate with Medicare?
There is no coordination of benefits between Medicare and your vision insurance. 

Have you experienced a change in your family status? 
You must add dependents within 31 days of the change of family status (birth, adoption, marriage, etc.).

  • In the event of a retiree’s death, a covered spouse may continue vision coverage indefinitely or until remarriage. All other covered dependents may remain covered as long as they are eligible under the plan guidelines for eligibility. All covered dependents must complete and return an enrollment form in order to continue vision coverage after the death of a retiree.
  • You may add newly acquired dependents if you were single when you retired. (within 31 days)
  • You may add newly acquired dependents if you had employee + childemployee + spouse, or family dental coverage when you retired, and had all eligible dependents covered.
  • You may not add newly acquired dependents if, at the time of your retirement, you were married or had eligible dependents but you elected individual coverage.
  • If you have questions about dependent or spouse coverage, please contact Employee Benefits at 706-542-2222.

Need to cancel or change your dental coverage?

  • If you have individual vision coverage, you may cancel your coverage at any time.
  • If you have employee + childemployee + spouse, or family vision coverage, you may cancel your coverage or drop a dependent at any time. 
  • If both you and your spouse retire from UGA, you should call Employee Benefits (706-542-2222) for information about adding dependents to your vision insurance coverage.
  • Please note that once coverage is dropped, it will not be able to be added in the future.

 

Life insurance

Per Board of Regents policy, when retirees elect to retain insurance in retirement, electronic withdrawal of funds (auto debit) is the required method of payment for benefit premiums. The Request for Bank Draft for Insurance Premiums form should be completed and submitted as directed on the form.

Basic life insurance
You are eligible to continue the basic life insurance of $25,000. UGA will continue to pay for the basic life insurance coverage.

Supplemental life insurance
You are eligible to continue up to $15,000 of your supplemental life insurance coverage into retirement. The retiree premiums for supplemental life can be found at the bottom of the USG retiree benefits page at:
http://www.usg.edu/hr/benefits/retiree_benefits.

. In addition, if you are interested in continuing all or a portion of your optional life insurance beyond retirement, please contact Minnesota Life at 800-660-2519.

Dependent life insurance

  • Upon retirement, if you previously had dependent life insurance, you may continue the dependent life insurance on eligible dependents into retirement. You may continue up to $5,000 coverage on each eligible dependent.
  • The retiree is the beneficiary for dependent life insurance. Dependent life insurance benefits are canceled in the event of the retiree’s death; however, the dependent may have conversion or portability options. Please contact Minnesota Life at 800-660-2519 for more details.

 diamond Retirees who wish to decrease or cancel optional or dependent life should contact send a signed, written request to UGA Human Resources.

diamond Retirees who wish to change their beneficiaries should complete a Minnesota Life Beneficiary form and send to UGA Human Resources.

If you wish to file a life insurance claim in the event of a retiree’s death or the death of a retiree’s covered dependent, you should contact UGA Human Resources at 706-542-2222. We can also assist with any other benefits which might be affected by the death of the retiree or the retiree's covered dependent.

11.03.15