官方退休人员医疗福利

所有退休人员的医疗选择

正式退休人员的处方选择

牙科

愿景

健康储蓄帐户

弹性支出帐户

基本人寿保险

补充人寿保险

退休账户

正式退休人员的其他福利

联系信息

官方退休人员医疗福利

适用于65岁以下的退休人员

If you are an Official Retiree under the age of 65 your may enroll in the 博天堂官方退休人员医疗计划 at any time between your date of retirement 和 your 65th birthday. Spouses 和 household members are also eligible for this program. Premium amounts are based on your years of service at 博天堂官方. After completing 和 submitting an enrollment form you are billed monthly for this coverage.

如果你在离开博天堂官方后找到了其他工作，并且在你的新雇主的医疗计划中，新雇主的医疗计划将主要用于支付医疗索赔. The 博天堂官方退休人员医疗计划 will be the secondary payer.

Prescription drugs are 不 a covered benefit in this medical plan. However, a separate prescription discount program is available.

有关更多信息，请参阅 概要规划描述.

65岁以上正式退休人员

If your are an Official Retiree over the age of 65 Medicare will be your primary insurance provider. 你也可以考虑从你选择的保险供应商那里购买医疗保险补充政策. 博天堂官方 will help to pay for this coverage prospectively. 1月1日至6月30日期间的支票在1月签发，7月1日至12月31日期间的支票在7月签发. Your spouse/household member is eligible for a monthly reimbursement $25 less than yours.

Reimbursement amounts are based on your current age 和 years of service at 博天堂官方.

Proof of purchase is required in order to receive reimbursement. A copy of a receipt or face page of your current policy are all acceptable forms of proof. The proof of purchase should be mailed to 人力资源 annually in December. 补偿金额将是你的保单的实际费用或根据你的服务年数和年龄而定的补偿金额，以较低者为准.

了解更多信息, 包括退休人员医疗计划的保险费率和医疗保险补充保险的报销计划, 请参阅 2024 Summary of 好处 for Official 博天堂官方 Retirees.

所有退休人员的医疗福利选择

COBRA 医疗保险 For Retirees Under 65:

• You will receive information from 我们的COBRA管理员, 独立福利服务, approximately 15 business days following your retirement date.
• COBRA coverage is the same group coverage you had while employed.
• Coverage can be elected for yourself 和 any dependents that were covered on your 博天堂官方 plan.
• 自您收到独立福利服务公司的COBRA通知之日起，您有60天的时间进行选择.
• If COBRA is elected, the coverage will be retroactive back to the date you lost coverage.
• You are responsible for paying the COBRA premiums directly to 独立福利服务.
  • 2024年COBRA保险费率
• 一般, you can be enrolled in COBRA for up to 18 months or until entitled to Medicare, 取较小者.

65岁以下退休人士的个人计划:

• Available through a number of carriers including 重点卫生, 蓝十字蓝盾, 和联合医疗
• Cost varies based on health status, age, zip code, 和 plan design

健康保险市场 For Retirees Under 65:

• More affordable options may be available through the 健康保险市场.
• You could be eligible for a tax credit that will lower your premiums immediately.
• You have the ability to see what your premium, 免赔额, 和 out-of-pocket costs will be before you decide to enroll.
• 访问 www.医疗保健.政府 或致电1-800-318-2596了解更多信息.

65岁及以上退休人员的医疗保险:

65岁以上没有参加其他雇主健康计划的退休人员应该研究并参加医疗保险.

正式退休人员的处方选择

处方药保险不包括在博天堂官方退休人员医疗计划或大多数医疗保险补充. 不论年龄大小, Official Retirees of 博天堂官方 have the opportunity to participate in a prescription discount program. This discount program is coordinated with CVS Caremark, 博天堂官方's current group prescription provider. You will pay the lesser of the pharmacy's everyday retail price or the discounted actual wholesale price. This discount varies according to the pharmacies pricing schedules 和 the wholesale price.

Retirees over the age of 65 should enroll in Medicare Part D prescription drug coverage.

牙科

牙科保险在你退休时终止. 在您退休后约10至15个工作日，您将从独立福利服务处收到COBRA延续保险信息, 我们的COBRA管理员. You can continue COBRA dental coverage for up to 18 months by paying the appropriate COBRA premium.

愿景

参加博天堂官方退休人员医疗计划的正式退休人员将自动参加Priority愿景计划. The benefit entitles you to a free routine eye exam 和 Glaucoma test once every two years. 必须使用网络提供程序.

如果您在退休时投保了EyeMed视力保险，您可以选择通过支付适当的COBRA保费继续投保最多18个月.

健康储蓄帐户

Your 健康储蓄帐户 is your personal bank account. When leaving 博天堂官方, you take the money with you, 和 use the money tax-free for medical expenses. 当你参加医疗保险时, you can use your account to pay Medicare premiums, 免赔额, 元钱, 以及医疗保险的共同保险. 你不能用你的账户购买医疗保险补充保险或“Medigap”政策.

因为博天堂官方退休医疗计划和医疗保险不是高免赔额健康计划，您将无法向您的HSA捐款.

For specific questions regarding your HSA please contact HealthEquity.

弹性支出帐户

医疗保健和受抚养人护理弹性支出账户的保险将在你退休之日结束.

健康保险计划的参与者可就计划年度内产生的合资格医疗费用提出报销要求 和 退休前. The claims must be made within 90 days of the retirement date. Unless a COBRA election is made to continue your FSA participants are 不 entitled to receive reimbursement for expenses incurred after the last day of employment. 如果您选择通过COBRA继续投保，您的FSA的供款将是税后金额. You should seek professional tax assistance on the tax status of these contributions.

受扶养照顾服务计划的参加者可在其退休计划年度的剩余时间内，继续就所发生的合资格受扶养照顾费用提出索偿，只要该帐户仍有剩余资金.

基本人寿保险

Coverage under the University's base life insurance policy terminates on the last day of employment. 您可以选择在终止之日将全部或部分保险金额转换为个人人寿保险单，而无需提供可保性证明. Conversion election must be made within 31 days of your date of termination. 要了解您的转换溢价将是多少，请致电林肯金融集团1-800-423-2765要求报价. 如果您决定转换您的博天堂官方提供的基本人寿保险，请使用由福利办公室发送给您的团体人寿保险转换申请表. 如果您希望转换保单，您必须在终止保单后31天内填好此表格并将其发送给林肯金融公司.

有关更多信息，请参阅 林肯金融集团 人寿保险 Certificate.

补充人寿保险

转换:如果你通过林肯金融集团购买了一份补充人寿保险，你的保险范围将在你受雇的最后一天结束. 您可以选择在终止之日将全部或部分保险金额转换为个人人寿保险单，而无需提供可保性证明. Conversion election must be made within 31 days of your date of termination. 要了解您的转换溢价将是多少，请致电林肯金融集团1-800-423-2765要求报价. 如果您决定转换您的补充人寿保险，请使用由福利办公室寄给您的团体人寿保险转换申请表. This form must be completed 和 sent to Lincoln Financial within 31 days

Portability: If coverage has been in force for at least 12 months, 你可在离职后一段指定的时间内继续享有保险，但须缴付规定的保费. 如果您因完全残疾或在社会保障正常退休年龄退休以外的原因而停止工作，则可携带. A written application must be made within 31 days of your termination.

有关更多信息，请参阅 林肯金融集团 补充人寿保险 Certificate.

退休账户

如果您在富达投资集团或TIAA拥有403(b)或457(b)退休账户，您应该联系他们，以审查您的分配选择. 在您年满70岁半并退休后的日历年的4月1日，您才需要开始从您的帐户中提取分配款项. For more information your should consult with your tax advisor. You can also contact 富达投资集团 at 1-800-343-3548 or TIAA at 1-800-842-2776.

如果您是MGS或PSS退休计划a(退休金)的参与者，您将在每个月的第一天收到退休金支票, 您也可以选择直接存款.

• 教师/员工援助计划(包括)
• 娱乐中心
• Official Retirees retain their library access 和 privileges

• 学术参与
• 减少学费 
• 免费校园停车

• 可以访问电子邮件
• 接收博天堂官方出版物
• 搬迁援助计划