Retiree Health Benefits Summary
Group Medicare Advantage (GMA) Plans
Although Medicare Part A and Part B provide coverage for medically necessary health services, retirees (former employees who are 65 and older) may wish to enhance that insurance with a UnitedHealthcare Group Medicare Advantage (GMA) plan via the Medical Trust.
These plans help pay many out-of-pocket expenses, such as copayments, coinsurances, deductibles, and some services not covered under Medicare. They also include prescription drug coverage.
Members may see any Medicare provider (in and out of network) at the same cost share, as long as they accept the plan and have not opted out of or been excluded or precluded from Medicare.
Eligible retirees and their eligible dependents may also purchase dental coverage via the Medical Trust.
All plans include several additional benefits at no added cost to members.
Post-Retirement Health Subsidy
Retired clergy with at least 10 years of credited service under The Church Pension Fund Clergy Pension Plan—and their eligible spouses—receive a monthly subsidy to help offset all or a portion of the cost of purchasing the GMA Premium plan, the GMA Comprehensive plan, and/or dental coverage. Please note that the subsidy can be used only to offset the cost of medical and dental plans offered by The Episcopal Church Medical Trust to retirees.
Retirees Under Age 65
Members who retire before age 65 and qualify under the Medical Trust’s eligibility rules can continue their healthcare coverage at their own expense until they turn 65 and become eligible for Medicare. If their former employer participates with the Medical Trust, they have access to the health and dental plans offered by that employer at the same group rates.
Administrator Education – Health and Wellness
Try this eLearning course, or visit the Administrators' Resource Center (ARC) to find more information, guides, and resources to help you do your work.
Healthcare Benefits
About This Course
As a benefits administrator, your responsibilities include assisting employees with health benefits, recognizing and processing events that affect these benefits, and performing administrative duties like completing annual plan selection. You will learn:
- Types of health benefits offered through the Medical Trust
- How to find which plans are available to your employees
- Your key responsibilities related to these benefits
- Sources of information and resources available to address employee questions and needs
Duration
Approximately 30 minutes
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