Retiree Health Benefits Policy

Key Points

• Eligibility (general rule):
• Began current employment prior to June 1, 2018;
• Continuous qualifying employment through termination;
• At termination age 55+ with Rule of 80;
• Enrolled in medical, dental, or vision on the last day of active employment (with specific exceptions noted).

• Coverage at retirement:

• Retired before Jan 1, 2023: May continue group medical, dental, and vision as enrolled when active.
• Retired on/after Jan 1, 2023: May continue dental/vision if enrolled when active; group medical replaced by Health Reimbursement Arrangement (HRA).
• HRA allocations (effective Jan 1, 2025):
• Below Age 65
• Allocation varies by retirement age, refer to policy for the full chart
• Age 65+: $2,281 (retiree only) and $1,141 (dependent coverage).
• Annual 3% COLA applies to allocations.
• Medicare: Retirees/dependents 65+ must enroll in Medicare Parts A & B (Part D not required);
• Disabled retirees/dependents must enroll in A & B, with limited grandfathered exceptions.
• Administration:
• Dependents must meet eligibility;
• Notify Benefits within 31 days when eligibility changes;
• Failure to pay premiums results in loss of coverage with no reinstatement.
• Plan changes & precedence:
• Harris Health may modify/amend/terminate benefits at any time; official plan documents govern if conflicts arise.