After You've Enrolled | Alight Retiree Health Solutions (2024)

Services provided by Alight Retiree Health Solutionscontinue even after you’ve enrolled in a plan — at no additional cost to you. Our licensed Benefits Advisors and customer service representatives are available to help if needed.

So that we can better serve your coverage needs:

  • You’ll want to keep your online account up to date if you move or have changes to your personal information.
  • If your medications change, you should update your online medicine cabinet to add new ones or make changes to your existing. This allows us to help ensure that the coverage you select covers your prescription requirements.
  • If you change doctors be sure to update them in your preferred provider preferences online — it’ll make it easier to evaluate, compare or select a plan next year.

If you have questions or issues about your coverage, billing or claims, contact your insurance company first. If you need assistance resolving an issue with your insurance company, let us know.

If you want to review any of the plans you selected, you can find them underMy Account

Your insurance carrier will issue your ID card, and it will arrive in your mail close to the effective date of your coverage. Depending on the plan(s) you selected, you may receive more than one card. Always keep your Medicare and related health care insurance ID cards with you and be sure to notify all existing and future providers of your new insurance information.

You’ll receivepremium statements from your insurance company, and payments should be made directly to your insurance company. Consider taking advantage of the automatic payment option, if it's available, so you don't have to worry about missing a payment. If you have a reimbursem*nt account (often called a health reimbursem*nt account,HRA or another name) through your former employer, you must still make your payments to your insurance company and then submit them for reimbursem*nt. Your reimbursem*nt account details (if applicable) are found in theMy Account section of our website.

Medicare covers you for a thorough initial exam to assess your health. Once your health care plan is in effect, be sure to schedule this important visit with your primary care physician. You’ll learn about any issues that might require monitoring or treatment, so you and your doctor can work together on developing a plan to maximize your health. Going forward, after you’ve had Medicare (Part B) for longer than 12 months, it covers wellness visits once every 12 months.

The Alight Retire Health Solutions website is your one-stop health insurance resource available 24/7. Your online account is a place where you can keep all of your health care-related information secure and easy to access:

  • Personal details and contact information
  • Medications and provider details
  • Coverage information
  • Reimbursem*nt accountinformation, if applicable
My Profile

Keep your account information updated at all times. This allows us to help you evaluate your coverage and benefits year after year. It also lets you receive important coverage-related communication, as well as information on new services, ways to get the most from your existing coverage and more. Also, be sure to keep your insurance carrier(s) and your former employer updated with any changes in your personal information.

  • Contact information and communication preferences
  • Power of Attorney
  • Family Members
  • Medications, dosages and frequency
  • Doctors, specialists, hospitals and other providers
Saved Plans

Not sure which plan is right for you? Compare up to 3 plans at a time –– check medications listings, provider networks and other details. If you want to add other coverage, such as Medicare Prescription Drug (Part D), dental or vision plans, you can review and save plans to compare them before selecting and enrolling in the one that works best for you. You can select and save plans that interest you so you can refer back to them later.

My Coverage

You can access your health and prescription plan benefits to get details about your copays, coinsurance, deductibles, premiums and more. You can also shop for vision and dental plans year round, compare them, save them to your account or enroll.

Reimbursem*nt Account

If you have a reimbursem*nt account(often called a health reimbursem*nt account,HRA or another name by your former employer),you can manage your account online. Once your coverage takes effect, you’ll receive a welcome kit fromYour Spending Account™ (YSA), the service that administers your account.


On the YSA website, you can see your reimbursem*nt amount and eligible expenses, plus:

  • Get your account balance
  • Submit claims and documentation
  • Check the status of your claims and reimbursem*nts
  • Get answers to frequently asked questions
Activity Alerts

If there’s anything that needs your attention as it relates to your account information, we’ll post an alert (!) on your account. We’ll let you know when it’s time to update your providers, medications, Power of Attorney (if applicable) and contact information; or advise any pre-scheduled appointments with our Benefits Advisors.

Appointments

Before you enroll, we may pre-schedule a telephone appointment for you to speak with one of our licensed Benefits Advisors. These are licensed agents who can answer questions, review coverage with you and help you select and enroll in a plan. You may also receive appointment requests in the future. You can confirm or reschedule an appointment online or by calling us. You’ll see any appointment activity notifications when you log in to the My Account page. They’re also listed under the Appointments tab at the top of the page.

If you’re happy with your current coverage and it’s still available, it will renew automatically for the following year.

If you have a Medicare Advantage (Part C) Plan and/or a Prescription Drug Plan (Part D), you can make changes during the Open Enrollment Period (October 15 through December 7) every year. You can evaluate new plans when they are announced on October 1. Changes made during this time become effective on January 1 of the following year.

Special Enrollment Period: If you move, lose your current coverage, have a chance to get other coverage, or if your plan changes its contract with Medicare or you experience any of several other significant eligible events, you may qualify for a Special Enrollment Period (SEP). If you do, you’ll be able to change your Medicare Advantage and/or Medicare Prescription Drug Plan without waiting for the next Open Enrollment Period. Details on the eligible circ*mstances, timeframes and allowable changes are outlined on the Medicare website.

After You've Enrolled | Alight Retiree Health Solutions (2024)

FAQs

What are Alight retiree health solutions? ›

Our comprehensive retiree health solution helps retirees feel confident about the choices they make on the individual Medicare market through a combination of personalized guidance, decision-support technology, and ongoing healthcare navigation assistance.

What is a retiree health reimbursem*nt plan? ›

A Retiree Reimbursem*nt Arrangement (RRA) is a way for employers to help their retirees offset healthcare costs in retirement with tax free dollars. This can be a more predictable and cost-effective option for employers compared to offering defined benefit retiree health plans.

What are retiree health benefits? ›

Retiree health coverage is health insurance that some employers, unions and trusts may offer to retiring employees and their spouses. Typically, it is group health insurance similar to plans offered to active employees. Eligibility, enrollment, coverage and other rules are specific to each employer's retiree plan.

What is Group retiree health Solutions? ›

Group Retiree Health Solutions Inc is a medical insurance provider. The Company offers stand-alone pharmacy benefits to groups of Medicaid and Medicare reci pients and other retirees.

Is Alight a good company? ›

Alight Solutions has an employee rating of 3.5 out of 5 stars, based on 3,251 company reviews on Glassdoor which indicates that most employees have a good working experience there.

How do retiree medical accounts work? ›

An RMSA is a tax-advantaged retiree healthcare savings account where employees set aside money now to help pay for healthcare costs in retirement. It is funded with after-tax employee contributions that can be invested using a variety of investment choices.

Can you cash out your HRA account? ›

An HRA is not an account. Therefore, employees cannot withdraw funds in advance and then use them to pay medical expenses. Instead, they must incur the expense first, then have it reimbursed.

What health insurance do you get in the US after retirement? ›

If you retire before you're 65 and lose your job-based health plan when you do, you can use the Health Insurance Marketplace ® to buy a plan. The yearly period (November 1 – January 15) when people can enroll in a Marketplace health insurance plan.

Is a health reimbursem*nt account worth it? ›

An HRA offers a great way to cut health care costs, as you can use the money to reimburse expenses that otherwise would come straight out of your own wallet. HRA's tax-advantaged status means any amount reimbursed to you isn't usually considered taxable income.

What are the two main types of retirement benefits? ›

The Employee Retirement Income Security Act (ERISA) covers two types of retirement plans: defined benefit plans and defined contribution plans.

Do you lose health benefits when you retire? ›

Because most workers receive health benefits from their employers, retirement often disrupts health insurance coverage. Some employers offer health insurance to retirees, but many firms are cutting re- tiree health benefits by passing more costs to retirees or eliminating benefits altogether.

How much does a retiree pay for Medicare? ›

If you don't get premium-free Part A, you pay up to $505 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($174.70 in 2024).

What is a retiree health reimbursem*nt account? ›

An HRA for retirees

Employers set up and pay into the fund. Retired employees use the fund to get reimbursed for qualified health care costs they have paid. These may include premiums and other out-of-pocket costs that have been determined by the employer. Any unused balance in the RRA rolls over to the next year.

When a patient has retired group health plan coverage Medicare pays? ›

Know who pays first

If you have retiree health coverage (like insurance from your or your spouse's former employment). . . Medicare pays first. If you're 65 or older, have group health plan coverage based on your or your spouse's current employment, and the employer has 20 or more employees. . .

What is retirement solutions? ›

Retirement solution is a comprehensive process to understand how much money you will need when you retire. Retirement solution also helps you identify the best ways to save for retirement given your current financial situation. At RIF, we help you to RE-INVENT your Retirement!

What is alight healthcare? ›

Alight Total Health

Everything health on a single platform. A comprehensive solution where data-driven analytics guide your people to make better healthcare decisions and curb overspending.

How does retiree life insurance work? ›

Life insurance for retirees works the same way as most term or permanent policies: If you pass away, the death benefit is meant to help replace your income and help your beneficiaries pay for your final expenses.

Is retiree coverage the same as Cobra? ›

➢ As a retiree, you may continue the university's retiree medical and/or dental insurance as long as you wish rather than being limited to COBRA, which provides only 18 months of coverage (or, if sooner, the date you become Medicare eligible at which time COBRA will terminate).

What are YSA benefits? ›

The YSA Benefit Program provides you with annual “YSA Credits” to get reimbursed for the premiums that you pay for individual Medicare plans (e.g., Medigap Plans, Part D (Prescription Drug) Plans, and Medicare Advantage Plans) purchased through the Post-Employment TPA Exchange.

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