As a retiree, when you reach age 65 your coverage under the UnitedHealthcare (UHC) medical and MetLife or Delta dental plans ends and you are eligible to enroll in a Medicare Supplement plan and dental and vision coverage through Via Benefits. If you have a Health Savings Account (HSA), it will remain in effect for you to use for your eligible medical expenses.
Your spouse and dependents can be covered under the ORNL plans ONLY if you, the retiree, are enrolled in either a UnitedHealthcare (UHC) medical plan, or a Medicare Supplement plan through Via Benefits with prescription drug coverage through the ORNL Rx Plan.
Your younger spouse and dependents may continue coverage under the MetLife or Delta dental plans until your spouse reaches age 65. Your younger spouse and eligible dependents may continue coverage under the UnitedHealthcare (UHC) medical plan as long as you, the retiree, enroll in a Medicare Supplement plan through Via Benefits with prescription drug coverage through the ORNL Rx Plan. When your spouse reaches age 65, UnitedHealthcare (UHC) medical and MetLife or Delta dental coverage ends and your spouse may enroll in a Medicare Supplement plan and dental and vision coverage through Via Benefits. Any eligible dependents may continue coverage through COBRA.
Note for retirees and spouses: If your birthday is on the first of a month you actually become eligible for Medicare the first of the month prior. Ex: March 1 birthday, Medicare eligible on February 1, loss of coverage under the ORNL sponsored-group health plan at the end of January. Otherwise, you are eligible for Medicare on the first day of the month of your 65th birthday.
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