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Retirees Age 65 and Older 

Retirees Age 65 and Older

As a retiree of ORNL, turning age 65 is a major milestone. Important changes occur in your benefits. At age 65 you become eligible for Medicare and your coverage under the ORNL UnitedHealthcare (UHC), MetLife and Delta Dental plans ends.

ORNL provides health care benefits to eligible retirees, spouses, and surviving spouses who are age 65 and older. ORNL has chosen OneExchange to assist retirees with selecting individual health coverage in the Medicare market. As professionals in the health care insurance market (including coverage that works with Medicare), OneExchange’s licensed benefit advisors will help you evaluate options and enroll in individual coverage that fits your budget and your unique medical, dental, and vision needs.

When you enroll in a Medicare Supplement plan through OneExchange, ORNL will provide enhanced Medicare Part D prescription drug coverage, the ORNL Rx plan, so you will not experience a gap in drug coverage. That is part of standard Medicare Part D plans and is known as the ‘donut hole’. If you are eligible, ORNL will share in the cost of the plan by paying a portion of the ORNL Rx premium. Your share of the ORNL Rx premium is deducted from your pension check.

In addition, if eligible, ORNL will assist with the cost of health care coverage. When you enroll in a Medicare Supplement plan through OneExchange and in the ORNL Rx plan, ORNL will provide benefit dollars through a Health Reimbursement Arrangement (HRA) that can be used to reimburse health care expenses including insurance premiums and other eligible out-of-pocket health care expenses.