UVA Retiree Medical (Under Age 65)

Enrollment in the Retiree Health Benefits Program is entirely your decision. If you do not enroll in state retiree coverage within 31 days of separation for retirement, you will never be able to enroll in the future. To enroll, you must contact the University Benefits Division at least three months before you retire.


Who is Eligible

You may join the Retiree Health Benefits Program if you meet all the following requirements:

  • worked for UVA Academic Division or Medical Center for at least five consecutive years

  • are a retiring state employee eligible for a monthly annuity from VRS or a periodic benefit from the MCRP or ORP programs

  • were eligible for enrollment in the UVA Health Plan on your last day as an active state employee

  • are receiving your annuity immediately upon retirement, and if retired prior to Jan. 1, 2017, you provide the date of your annual distribution (employees retiring after Jan. 1, 2017 no longer have a required distribution to be eligible)

  • submit an Enrollment/Waiver Form to the University Benefits Division within 31 days of your retirement date

If you are on long-term disability (LTD), you must also meet the following requirements:

  • are approved for long-term disability through VSDP, the Medical Center Disability Program, or the Faculty Disability Program

  • have applied for Social Security disability

  • submit an Enrollment/Waiver Form to the University Benefits Division within 31 days of your LTD date

You may join the Retiree Health Benefits Program even if you were not enrolled in the UVA Health Plan as an active employee, as long as you were eligible for enrollment in the health plan on your last day as an active state employee and were not terminated from the active employee health plan due to lack of payment.

You must be eligible as stated above and submit an Enrollment/Waiver Form to the University Benefits Division within 31 days of your retirement date. If you have been approved for LTD through VSDP, you must have been enrolled in the UVA Health Plan as an active employee on the day prior to the start of your LTD.

Your eligible dependents who are enrolled on your UVA Health Plan policy on your last day as an active state employee may enroll with you in the Retiree Health Benefits Program.

The following are the only exceptions which allow for enrollment after 31 days from your retirement date:

  • You are a state retiree who is enrolled as a dependent in your spouse’s active state employee health benefits membership. You may enroll in the retiree group within 31 days of the date the active employee ends state employment or retires. To maintain your eligibility for the retiree group, you must submit the waiver section of the Enrollment/Waiver form within 31 days of your retirement date.

  • You are a Virginia Sickness and Disability Program participant in long-term disability (VSDP-LTD) and leaving LTD for service retirement. You may enroll in the Retiree Health Benefits Program, regardless of whether or not you have maintained health coverage in the state program while receiving LTD benefits, as long as there is no break in LTD benefits before retirement. You must enroll within 31 days of your retirement date.


Who is Ineligible

You or your enrolled dependents will not be eligible for the Retiree Health Benefits Program at any time in the future if you

  • waive coverage when you retire

  • fail to complete an Enrollment/Waiver Form within 31 days of retirement

  • defer retirement when you leave state employment, except for certain involuntarily terminated employees with 20 years of creditable service

  • have not scheduled the date of your first distribution

  • cancel coverage in the Retiree Health Benefits Program

Deferring retirement means you will receive your retirement annuity from the state at a later time rather than directly after leaving state employment.

If you are not eligible for the Retiree Health Benefits Program, your spouse and/or dependents are also ineligible.


Enrollment

If you decide to enroll, you may be eligible for the State Retiree Health Insurance Credit. This is a program that reimburses part of the premium for your state health benefits plan if you have 15 or more years of creditable service with a state agency.

If you decide not to enroll but are covered under another health insurance plan, you may be eligible for the Alternate Health Insurance Credit. This is a program that reimburses part of the premium for your health insurance if you have 15 or more years of creditable service with a state agency.