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Retiree Health Plans

When you retire, you and your dependents may be eligible to enroll in the university retiree health plan.

We recommend you call Tufts Support Services (TSS) at 617-627-7000 at least nine months before your scheduled retirement date to have a Benefits Specialist from Human Resources work with you to review benefits.

Who Is Eligible?

You are eligible for the Tufts University Retiree Health plan if you:

  • are age 60 or older with 5 years of eligible service or your age and eligible service equals 75,
    AND
  • you are enrolled in a university health plan for the 12 months prior to retirement.
    (NOTE: The 12-month health plan enrollment will no longer be a requirement effective January 1, 2018.)

Enrollment

To ensure a timely and streamlined transition of your health coverage, it is recommended that you complete the process 31 days prior to your retirement if you are under age 65 and 90 days prior to your retirement if you are over age 65.

For more information about eligibility and enrollment please review the Retiree Health Insurance Plan document. This document will be updated by December 2017 to reflect the plan provisions effective January 1, 2018.

If You Retire Before Age 65

If you are under age 65 and eligible for Retiree Health Coverage, you may enroll yourself and your eligible family members in the same Tufts University Health Plan in which you are currently enrolled. Effective January 1, 2018 under age 65 retirees will have a one-time option to opt out of enrolling in the retiree health plan and opt back in within 31 days of their 65th birthday by contacting a representative at OneExchange at 1-844-353-0772. OneExchange is a private Medicare exchange that Tufts University partners with to provide over-age-65 retiree health coverage.

If You Retire After Age 65

Through December 31, 2017, Tufts University offers over-age-65 retirees a choice of group-sponsored health plans.

Effective January 1, 2018, if you retire at age 65 or older, enrollment in an over-age-65 health plan will be administered through OneExchange, a private Medicare exchange. Enrollment in Medicare Part A and Medicare Part B is required prior to selecting a health plan through OneExchange.

If you do not plan to retire and remain actively working, you do not need to enroll in Medicare when you turn age 65. You may, however, wish to enroll in Medicare Part A, which is usually provided at no cost to you. Social Security provides a Retirement Benefits booklet that can help you enroll in Medicare Part A online.

University Contribution

If you meet the age and service requirement as noted above AND you were hired prior to January 1, 1994, you will be eligible for a university contribution under the Retiree Health Plan when you retire. If you were hired January 1, 1994 or after, and you meet the age and service requirements, you are eligible to participate and will pay the entire cost for your health coverage.

Under Age 65

If you retire and are under age 65, enrollment in a Tufts University health plan is required to receive the university contribution. Effective January 1, 2018, if you retire and are under age 65, you will have a one-time option to opt out of the retiree health plan at retirement. You must contact OneExchange to opt back in within 31 days of your 65th birthday to enroll in and over-age-65 health plan through OneExchange to qualify for the university contribution.

Under Age 65 University Annual Contribution, effective 1/1/2018:  $1,848.60/year ($154.05/month)

Age 65 and Older

Effective January 1, 2018 if you retire and are over age 65, enrollment in a OneExchange health plan is required to receive the university contribution. Enrollment must occur within 31 days of your retirement.

Over Age 65 University Annual Contribution, effective 1/1/2018: $840.00/year ($70.00/month)