Turning Age 65 Guide
If you or your spouse are eligible for Medicare in the next few months, as a retiree or spouse of a retiree, you may choose to enroll in one of the Teachers’ Retirement Board Medicare Retiree Programs.
You must be enrolled in Medicare Part A and Part B to participate.
TRB Provides Two Medicare Retirement Plans
The Teachers’ Retirement Board provides a choice of two comprehensive Medicare benefit programs.
Both plans include participation in the prescription drug, dental, vision and hearing programs. You may elect to waive dental enrollment. For more information, please refer to the dental benefits section of this document. Enrollment is for all benefits and premium is based on the medical plan selection.
UnitedHealthcare® Medicare Advantage (PPO) Prescription Drug Plan (MAPD)
This Medicare Advantage PPO plan includes prescription drug coverage and is an alternative to Original Medicare. This plan bundles Part A hospital coverage, Part B doctor and outpatient services, and Part D prescription coverage into one comprehensive plan. In order to be eligible to enroll into a Medicare Advantage plan, you must maintain your enrollment in Original Medicare. The plan will cover services from either in-network or out-of-network providers, as long as the services are covered benefits that are medically necessary and the provider accepts the plan and has not opted out of or been excluded or precluded from the Medicare plan.
UnitedHealthcare® Senior Supplement Plan with UnitedHealthcare® Medicare Rx
A Medicare Supplement plan is secondary to Medicare. This means your Medicare Part A and Medicare Part B are primary, and the supplement plan pays after Medicare. The plan will pick up cost shares minus applicable plan copays once the Medicare Part B deductible is satisfied for the plan year. You may see any provider who accepts Medicare and or Medicare assignment in the United States. Bundled with this plan is a Prescription Drug Plan (PDP) that works with Original Medicare to cover prescription drugs.
Understanding your Medicare Part D Prescription Drug Plan
The TRB Medicare Part D Prescription Drug Plan is administered through United Healthcare.
The TRB Medicare Part D Prescription Drug plan follows all applicable Federal statutes and regulations. Medicare regulations allow you to be enrolled in ONE Medicare Part D Prescription Drug plan at a time. (This does not apply to members on Veterans Affairs Prescriptions.)
If you are currently enrolled in another Medicare Prescription Drug Plan or a Medicare Advantage plan that offers prescription coverage (MAPD), enrolling in one of TRB’s Medicare plans will automatically cancel your enrollment in your other plan.
It is your responsibility to inform us of any prescription coverage that you have or may obtain in the future.
You may enroll or cancel your enrollment in a Medicare plan only at certain times of the year or under special circumstances. If you leave the TRB plan and don’t have or obtain other Medicare prescription drug coverage that is as good as Medicare’s, you may have to pay a late enrollment penalty in addition to your premium for Medicare prescription drug coverage in the future.
Cigna Dental Preferred Provider Organization (PPO) Plan
The Cigna dental PPO program offers both in and out of network dental benefits throughout the United States. The annual plan maximum is $2,500 per calendar year with copays and cost shares on an array of dental services.
Vision and Hearing Program
The vision and hearing benefit plans are administered by the medical plan you are enrolled in.
Routine vision exams are limited to one per year. Eyewear is limited to a $500 maximum benefit every twenty-four months beginning in calendar year 2025.
The hearing benefit is $1,500.00 every 36 months for hearing aid allowances under the Medicare Advantage Plan.
The hearing benefit is one hearing aid per ear covered at $5,000 every 24 months under the Medicare Supplement Plan.
How do I enroll in Medicare?
The initial enrollment period begins three calendar months prior to your 65th birthday and extends throughout the month of your birthday and three calendar months after your birthday. To avoid a lapse in coverage you will need to enroll prior to the month of your birthday.
Typically, your Medicare effective date will be the 1st of the month of your 65th birthday. If you were born on the 1st of the month, your Medicare coverage is effective the 1st of the previous month. For example, if your birth date is June 1st, you will attain Medicare eligibility May 1st of the year you turn 65.
If you are collecting Social Security prior to age 65, you will automatically be enrolled in Medicare A and B. If you are not getting Social Security retirement benefits yet, you will need to enroll in Medicare Part A and/or Part B through Social Security or the Railroad Retirement Board.
To confirm your eligibility date or have questions regarding enrollment into Medicare Part A and Medicare B, please contact the Social Security Administration at www.ssa.gov or 800-772-1213.
Medicare Premiums
You are eligible for premium-free Part A if you are age 65 or older and you or your spouse worked and paid Medicare taxes for at least 10 years. You can get Part A at age 65 without having to pay premiums.
Most people will qualify for Medicare Part A at no charge. If you (or your eligible spouse) have at least 40 Social Security wage quarters, have lived in the US at least 5 years and are age 65 (or older) you should qualify for Medicare Part A.
Medicare Part B requires a monthly premium that is income based. Higher income earners are assessed a surcharge referred to as IRMAA (Income Related Monthly Adjustment Amount) determined by the Social Security Administration. For more information, please visit www.Medicare.gov. IRMAA charges also apply for Medicare Part D premiums.
If you are receiving Social Security benefits, the monthly premium for Part B will be automatically deducted from your Social Security payment. If you are not receiving Social Security benefits, you will be billed quarterly for the Part B premium.
If you fail to pay the premium, you will no longer be eligible to participate in any of the TRB Medicare Plans.
Waiving Medicare enrollment
If you or your spouse are still actively employed and covered under a group health insurance, you may be able to delay enrollment in Medicare Part B. Please contact the Social Security Administration to learn more about your individual circumstances and how delaying enrollment in Medicare Part B will affect you. You can contact the Social Security Administration at www.ssa.gov or 800-772-1213.
For application, plan details, and upcoming webinars please visit the TRB website at https://www.ct.gov/trb
We are looking forward to working with you.