Pre-65 Retiree Medical & Prescription Coverage


Overview

There are three State-sponsored plans for State retirees that are under age 65 (non-Medicare-eligible). All plans are administered by UnitedHealthcare (UHC). State subsidies are applicable to these three plans*:

  • Retiree Anchor Plan
  • Retiree Anchor Plus Plan
  • Retiree Value Plan

Retirees currently enrolled in the Early Retiree Plan will automatically be enrolled in the Retiree Anchor Plus Plan for coverage in 2019. Retirees currently enrolled in the Value Plan will automatically be enrolled in the Retiree Value Plan for coverage in 2019. Retirees that wish to enroll in a different plan must make their elections using the online enrollment system. See the Enrollment/Cancellation tab below to access the online enrollment system.

* These plans will replace the Early Retiree Plan and Value Plan effective 1/1/2019.

Alert!You must IMMEDIATELY start collecting your State pension upon retirement in order to qualify for State-sponsored medical and prescription coverage as well as any State subsidy.

Coverage Details

State-sponsored Coverage

Effective Through 12/31/2018
The Early Retiree Plan is available to all State retirees. It offers identical medical and prescription coverage as the 2014 Plan for active employees. The monthly premium is higher than the Value Plan, but the actual premium that you pay may be substantially reduced if you qualify for State subsidies.

The Value Plan is available only for State retirees with a retirement date on or after 10/1/08. Compared to the Early Retiree Plan, the Value Plan offers reduced medical and prescription coverage, but the monthly premium is lower.

See the Summary of Plan Descriptions (SPDs) below for detailed coverage information:

Effective 1/1/2019
State retirees may elect one of three plans: Retiree Anchor, Retiree Anchor Plus and Retiree Value.

Retiree Anchor and Retiree Anchor Plus offer identical coverage as the Anchor and Anchor Plus plans for active employees except for three things:

  • No requirement for primary care physician (PCP) coordination of care (i.e., no higher co-pay or coinsurance for visiting specialists without a PCP referral)
  • No place of service tiering for imaging services (i.e., for major imaging services (CT/PET scans, MRIs), no "Covered in full after deductible if a freestanding imaging center not affiliated with a hospital group is used")
  • Premium rates

See below for how the three retiree health plans compare. Visit the Glossary page for more information on key terms like coinsurance, deductible and out-of-pocket maximum.

2019 pre-65 medical/prescription plans comparison
Non-State-sponsored Coverage

HealthSource RI (HSRI)—Rhode Island's health benefits marketplace—offers 17 different plans from multiple insurance carriers. The varied plan offerings provide many options to choose from, and they may be a particularly cost-effective choice for a retiree's dependents. State subsidies are not available for coverage purchased through HSRI, but there may be income-based federal tax credits available to the purchaser of an HSRI coverage.

You are eligible to enroll in State-sponsored medical and prescription coverage for you and your family if:

  1. You were a State employee immediately prior to retirement, and
  2. You immediately start collecting your State pension upon retirement. For this purpose, "retirement" means formally retiring through ERSRI and having an ERSRI retirement effective date.

Spouses, dependents, and public school teachers that retire through ERSRI are also eligible to enroll, but they are not eligible for any State subsidy towards the cost of their coverage..

Judges, legislators and State police troopers: click here for pre-65 retiree health coverage information.

Enrollment Periods

Retirees may enroll in State-sponsored medical and prescription coverage during one of the following periods:

  • Upon retirement from State service
  • Open enrollment (generally the month of November for coverage effective January 1 of the following calendar year)
  • Within 31 days of a qualifying status change
  • Turning age 59—You may enroll the month prior to, the month of, or within 31 days of your 59th birthday (coverage effective the first of your birth month)

Except for enrollments occurring during the open enrollment period and age 59 enrollments, all retiree coverage elections become effective as of the first of the month following the enrollment date.

Enrollment Process

If you are pre-65 retiree currently enrolled in coverage

  • Access OnlinEnroll at uhc.workterra.net
    • User Name: First initial of your first name, your full last name (no hyphens, apostrophes, spaces or titles), last four digits of your SSN
      • Example: if your name is John O’Brien-Johnson, Jr. and the last four digits of your SSN are 1234, your user name would be “jobrienjohnson1234”
    • Password: First five digits of your SSN (you will change this upon first login)
    • Company: Rhode Island (not case sensitive; space between "Rhode" and "Island" is required)
  • If you need more assistance:
    • If you are having difficulty using OnlinEnroll:
      • Review the OnlinEnroll Retiree Self-Service Guide
      • If you need more assistance, contact the OnlinEnroll help desk at (888) 327-2770. This number should only be used for technical issues, not for benefits questions.
    • For general benefits questions, email the Office of Employee Benefits at or call (401) 574-8530.
    • Plan administrator contacts:

If you are a current employee getting ready to retire, or you are a pre-65 retiree not currently enrolled in coverage
For coverage in 2019, complete and submit the 2019 Pre-65 Retiree Health Coverage Election Form to the OEB.

For coverage in November and December 2018, complete and submit the 2018 Pre-65 Retiree Health Coverage Election Form to the OEB.

Please note that:

  • OEB will accept forms up to 90 days before a retiree's requested effective date
  • For new retirees, this form should be submitted to OEB when retirement paperwork is submitted to ERSRI

If you want to cancel your health coverage, please submit the Retiree Health Care Cancellation Form to the OEB.

See below for the full and State-subsidized premium rates for retiree medical and prescription coverage, effective 1/1/2018–12/31/2018.

The "Retiree Pays" subsidy percentage is applied to the applicable monthly premium rate, and the resulting amount is deducted from the retiree's monthly pension check. See State Subsidies for more information on subsidy percentages.


State-sponsored Coverage

› Effective through 12/31/2018
Date of Retirement Between 7/1/89–9/30/08
Monthly Rate Monthly Rate w/ 50%–100% Subsidy
Early Retiree Plan Individual $702.61 $0–$351.31
Family $1,969.75 $1,267.14–$1,618.45*
Date of Retirement On or After 10/1/08
Monthly Rate Monthly Rate w/ 80% Subsidy
Early Retiree Plan Individual $1,117.84 $223.57
Family $3,110.20 $2,215.93*
Value Plan Individual $702.61 $140.52
Family $1,969.75 $1,407.66*

*Subsidized family rates are calculated by multiplying the individual rate by the applicable subsidy percentage and then subtracting the resulting amount from the family plan rate.

› Effective 1/1/2019
Date of Retirement on or before 9/30/08
Monthly Rate Monthly Rate w/ 50%–100% Subsidy
Retiree Anchor Plan Individual $597.52 $0–$298.76
Family $1,675.12 $1,077.60–$1,376.36*
Retiree Anchor Plus Plan Individual $639.31 $0–$319.66
Family $1,792.29 $1,152.98–$1,472.64*
Date of Retirement On or After 10/1/08
Monthly Rate Monthly Rate w/ 80% Subsidy
Retiree Anchor Plan Individual $1,049.80 $209.96
Family $2,920.89 $2,081.05*
Retiree Anchor Plus Plan Individual $1,123.31 $224.66
Family $3,125.42 $2,226.77*
Retiree Value Plan Individual $639.31 $127.86
Family $1,792.29 $1,280.84*

*Subsidized family rates are calculated by multiplying the individual rate by the applicable subsidy percentage and then subtracting the resulting amount from the family plan rate.

Printable Rate Tables


HealthSource RI (HSRI) Coverage

As a reference, 2018 monthly premiums for a 60-year-old individual range from $420–$981. State subsidies are not applicable to coverage purchased through HSRI, but there may be income-based federal tax credits available. You can explore your plan options by calling (855) 840-4774 or by visiting www.healthsourceri.com.

State-sponsored Coverage

Please contact the OEB to learn more about your State-sponsored retiree health coverage.

Non-State-sponsored Coverage

Please contact HealthSource RI (HSRI) if you want to learn more about health coverage options on the Rhode Island health benefits marketplace: