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Retired From UNI

UNI is excited to offer a Wellmark Blue Cross Blue Shield Medicare Group Program F medical plan to our Medicare eligible retirees! Learn more on this webpage.

No late enrollments will be accepted for the Wellmark Blue Cross Blue Shield Group Program F or the Group PDP after December 7, 2019 per Medicare guidelines. The next opportunity to enroll will be the next open enrollment in the fall of 2020 or if a retiree experiences a life event.

 

2020 UNI Retiree Benefits 

Based on healthcare trends there will be a premium increase to our health insurance plans and our grandfathered Dental Plan 1 for 2020. There are no plan design changes to the health or dental insurance plans.

New for 2020 the University of Northern Iowa has added an alternative Wellmark Blue Cross Blue Shield Medicare Group Program F medical plan for retirees. If you do NOT want to make any changes to your current plans, no action is needed. These new plans are an alternative to your current comprehensive health plan and you are not required to enroll.

 
Health Insurance

The University of Northern Iowa is excited to offer a new group medical plan exclusively for Medicare eligible retirees. This Wellmark Blue Cross Blue Shield Program F is a supplemental medical plan to Medicare and is offered at a lower cost than the current UNI comprehensive health plans.

Quick Comparison of Plans for Retirees Effective January 1, 2020

  UNI Comprehensive Health Insurance Plans1 Wellmark Blue Cross Blue Shield Group Program F2
UNI PPO (Alliance Select) UNI Blue Advantage (HMO)
Who is eligible? Retirees at any age Retirees at any age Medicare eligible retirees
Type of Plan Comprehensive Comprehensive Medicare medical supplemental
Coverage/Network Nationwide Iowa only Nationwide
Deductible $350 Single
$750 Family
$100 Single
$200 Family
$0 Single
2020 Monthly Premiums
Single, Not Medicare Eligible $780.00 $758.00 Not available
Retiree & Spouse, Not Medicare Eligible $1,559.00 $1,516.00 Not available
Retiree & Spouse, 1 Medicare Eligible, 1 Not Medicare Eligible $1,372.00 $1,334.00 Not available
Family $1,842.00 $1,652.00 Not available
Single Medicare Eligible $593.00 $576.00 $203.10
Retiree & Spouse Medicare Eligible $1,185.00 $1,152.00 $203.10 each ($406.20 total)
Prescriptions Included in plan and premium Included in plan and premium $190 per person, additional cost

1UNI sets the premiums based on claims costs.

2Wellmark sets the premiums. The benefit design of Group Program F is identical to an individual Medicare Supplement Plan F.

Frequently Asked Questions

  1. Q: If I'm not currently covering a spouse on a UNI comprehensive retiree health insurance plan, can I add them to the Group Program F medical plan? A: No, you must be covering a spouse under a UNI comprehensive health insurance plan.
  2. Q: If I am age 65 or older, but my spouse is younger than 65 can we still enroll in the Group Program F medical plan? A: No, both the retiree and their spouse must be Medicare eligible in order for each to be covered under the Group Program F. If the spouse is not Medicare eligible, then the retiree may move to the Group Program F but the spouse would need to enroll in their own coverage outside of UNI.
  3. Q: If I am in the process of getting enrolled in Medicare Part A and/or B can I enroll in Program F?
    A: No, you must be enrolled in Medicare Part A and B prior to enrolling in Program F.
  4. Q: Are prescriptions included in the new Group Program F medical plan? A: No, Group Program F is only a supplemental medical plan. There is a separate group prescription drug plan available for an additional cost. Please see enclosed materials.
  5. Q: If I enroll in Group Program F now, but not the group prescription drug plan, when can I enroll in the group prescription drug plan if I decide I want it? A: If you do not choose the group prescription drug plan during Open Enrollment, the next time you can enroll is the next Open Enrollment in fall 2020.
  6. Q: What happens if I waive UNI PPO (Alliance Select), UNI Blue Advantage (HMO), Group Program F medical plan, and the group prescription drug plan? A: You will not be able to enroll in a UNI comprehensive health insurance plan, the Group Program F medical plan, or the group prescription drug plan in the future. The waiver is indefinite.
  7. Q: What happens if I enroll in the Group Program F medical plan and/or the group prescription drug plan, can I reenroll in UNI PPO or UNI Blue Advantage at a future date? A: You will not be able to re-enroll into a UNI comprehensive health insurance plan in the future, the waiver is indefinite.
  8. Q: What happens if I didn't retain a UNI comprehensive health insurance plan at the time of retirement, can I now enroll in the Group Program F medical plan? A: No, you must currently be covered under a UNI comprehensive health insurance plan.
  9. Q: Can I keep the UNI comprehensive health insurance plan and enroll in the Group Program F medical plan at the same time? A: No, once you enroll in the Group Program F medical plan, you will need to waive the UNI comprehensive health insurance plan.
  10. Q: Can I enroll in the Group Program F and the group prescription drug plan and still keep the UNI dental insurance? A: Yes, you can stay in the UNI dental regardless of what decision you make about your health insurance options.
  11. Q: If I enroll in the Program F and the group prescription drug plan, who will I receive bills from?
    A: Wellmark will bill you for the Program F, and Group Medicare BlueRx will bill you for the group prescription drug plan.

Ending UNI Retiree Comprehensive Health Insurance

  • You may end coverage at any time by completing the Health and Dental Form to waive coverage.
  • Coverage will end the last day of the month during the month you are ending coverage. New coverage will need to begin the 1st of the next month.
  • Once you end coverage you may not reenroll into the UNI plans at a later date.
  • If you end coverage, coverage on spouses and dependents will end at the same time.

Making Changes to Your Plans

UNI Retirees may change their plans as well as add/remove qualified family members due to any life event or open enrollment which happens each fall. Examples of life events may be:

  • retiree becomes Medicare eligible
  • spouse gains coverage
  • spouse loses coverage
  • marriage
  • divorce
  • death

Health Insurance Resources

Dental Insurance

UNI Sponsored Dental Insurance Options

UNI retirees may be enrolled in one of two UNI sponsored dental plans:

  1. UNI Dental Plan 1 (Grandfathered plan, no new enrollments accepted)
  2. UNI Dental Plan 2

UNI Sponsored Dental Insurance:

Individual Dental Insurance

Many insurance companies offer individual insurance plans for retirees. You may:

  1. Contact a local insurance agent for plan recommendations.
  2. Ask your dental provider who they recommend for a plan.

Ending UNI Sponsored Retiree Dental Insurance

  • You may end coverage at any time by completing the Health and Dental Form to waive coverage.
  • Coverage will end the last day of the month during the month you are ending coverage. New coverage will need to begin the 1st of the next month.
  • Once you end coverage you may not reenroll into the UNI plans at a later date.
  • If you end coverage, coverage on spouses and dependents will end at the same time.

Making Changes to Your Plans

UNI Retirees may change their plans as well as add/remove qualified family members due to any life event or open enrollment which happens each fall. Examples of life events may be:

  • spouse gains coverage
  • spouse loses coverage
  • marriage
  • divorce
  • death

Dental Insurance Resources

Emeritus Status

Administrators, Faculty and P&S Employees

Emeritus applications are completed on paper after you have retired from UNI. To obtain a Emeritus application please call Human Resources at 319-273-2423.

  • Administrators, Faculty and P&S employees who have 20 or more years of creditable service in higher education may apply for Emeritus Status.
  • Faculty must have at least 10 years of meritorious service with UNI.

For more information, visit the 4.21 Emeritus/a Status policy and if interested contact Human Resources at 319-273-2423 or via email at hrs-benefits@uni.edu.

Retirement Plans

UNI Sponsored Retirement Resources

TIAAPhone

800-842-2252

IPERSPhone

800-622-3849