University of Georgia Human Resources Logo
215 S. Jackson St.
Athens, GA 30602
Tel (706) 542-2222
Email: hrweb@uga.edu

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.

NEW If you would like to review your current elections or have any questions about your benefits options, please visit the OneUSG Connect - Benefits website or call the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236).

Please take action before November 30, 2017
You may now use the OneUSG Connect – Benefits website or call center to submit your direct debit information for insurance premiums between now and November 30, 2017.


Use either of two ways:


Go to the website and create your account by choosing “Are you a new user?”
-OR-
Use the Call Center: 1-844-587-4236


Feel free to forward this message to any University of Georgia retirees who may be interested in this information. View a copy of the July mailing.

Open enrollment information

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

Open enrollment for University System of Georgia (USG) health, dental, and vision coverage is held each fall. Retirees will be notified when open enrollment dates are available.

Retirees 65+

For information about health care coverage in 2017, please click here.

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 Aon Hewitt (Administors 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.

 

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 1/1/2017)

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. Contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) to set up auto debit.
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 30 days of the change of family status (birth, adoption, marriage, etc.).
check mark In any of the cases listed below, you MUST contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) to provide supporting documentation in order to add dependents to your health plan coverage.
  • 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 contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) 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 (706-542-2222) 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. If you and/or any covered dependent age 18 or older use tobacco products, you must provide that information using the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236).

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 updating your tobacco use status that you and/or your covered dependents have stopped using tobacco products. Usethe OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) to update your tobacco use status.

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.
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 30 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 contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) in order to continue dental coverage after the death of a retiree.

There are only five qualifying events that a University System of Georgia institution may consider in granting a change in the level of healthcare coverage for a USG Pre-65 retiree who is enrolled in one of our healthcare plans. They are:

  1. Becoming eligible for Medicare due to a disability;
  2. The addition of a dependent(s) because of marriage, birth, adoption or a Qualified Medical Child Support Order (QMCSO);
  3. The loss of a dependent’s health benefit coverage through a change in a spouse’s group coverage, through COBRA coverage, through Medicare, or through Medicaid;
  4. A change in a spouse’s employment status that affects coverage eligibility under a qualified health plan; and
  5. A CHIPRA event described below.

A Qualified Medical Child Support Order (QMCSO) is a court-ordered remedy resulting from a divorce, legal separation, annulment, or change in legal custody. A QMCSO requires that an individual provide healthcare coverage for an enrolled dependent(s) that has been approved by the court. The court order and effective date of healthcare plan coverage for a court-designated enrolled dependent(s) must be presented to the campus Human Resources/Benefits Office from which an individual retired, within 90 days of the court’s decision.

You also may make a change in your level of coverage if your spouse or Dependent experiences a "CHIPRA" event. "CHIPRA" is the Children's Health Insurance Program Reauthorization Act of 2009. Under CHIPRA, if your spouse or Dependent (each, an “Eligible Individual”) loses coverage under Medicaid or the Children’s Health Insurance Program (“CHIP,” though it is known by other names in other states; Georgia’s, for example, is “PeachCare”) due to the loss of eligibility for such coverage, or becomes eligible for a premium subsidy under Medicaid or CHIP, the Employee may enroll the spouse or Dependent in the Plan within 60 days of the loss of coverage or within 60 days of the date that eligibility for the subsidy is determined. In either case, coverage will become effective as of the date of enrollment and will not be retroactive. The loss of eligibility for premium assistance does not give rise to a right to change coverage, so it would not permit an Employee to drop subsidized coverage outside of an open enrollment period.

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 the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) 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. Please contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) to arrange automatic debit.
 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 30 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 contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) in order to continue dental coverage after the death of a retiree.

There are only five qualifying events that a University System of Georgia institution may consider in granting a change in the level of healthcare coverage for a USG Pre-65 retiree who is enrolled in one of our healthcare plans. They are:

  1. Becoming eligible for Medicare due to a disability;
  2. The addition of a dependent(s) because of marriage, birth, adoption or a Qualified Medical Child Support Order (QMCSO);
  3. The loss of a dependent’s health benefit coverage through a change in a spouse’s group coverage, through COBRA coverage, through Medicare, or through Medicaid;
  4. A change in a spouse’s employment status that affects coverage eligibility under a qualified health plan; and
  5. A CHIPRA event described below.

A Qualified Medical Child Support Order (QMCSO) is a court-ordered remedy resulting from a divorce, legal separation, annulment, or change in legal custody. A QMCSO requires that an individual provide healthcare coverage for an enrolled dependent(s) that has been approved by the court. The court order and effective date of healthcare plan coverage for a court-designated enrolled dependent(s) must be presented to the campus Human Resources/Benefits Office from which an individual retired, within 90 days of the court’s decision.

You also may make a change in your level of coverage if your spouse or Dependent experiences a "CHIPRA" event. "CHIPRA" is the Children's Health Insurance Program Reauthorization Act of 2009. Under CHIPRA, if your spouse or Dependent (each, an “Eligible Individual”) loses coverage under Medicaid or the Children’s Health Insurance Program (“CHIP,” though it is known by other names in other states; Georgia’s, for example, is “PeachCare”) due to the loss of eligibility for such coverage, or becomes eligible for a premium subsidy under Medicaid or CHIP, the Employee may enroll the spouse or Dependent in the Plan within 60 days of the loss of coverage or within 60 days of the date that eligibility for the subsidy is determined. In either case, coverage will become effective as of the date of enrollment and will not be retroactive. The loss of eligibility for premium assistance does not give rise to a right to change coverage, so it would not permit an Employee to drop subsidized coverage outside of an open enrollment period.

  • If you have questions about dependent or spouse coverage, please contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236).
Need to cancel or change your vision 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 contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) 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. Please contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236) to arrange automatic debit.

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.

Retirees who wish to decrease or cancel optional or dependent life should contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236).


Retirees who wish to change their beneficiaries should contact the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236). 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 the OneUSG Connect - Benefits Call Center toll free at 1-844-5-USGBEN (1-844-587-4236).


06.22.17