Retiree Health

Harvard provides optional medical and dental coverage to eligible retirees, their spouses/domestic partners (at the time of retirement) and their eligible dependents.

Your eligibility and cost for retiree health coverage depends on several factors, including when you began working at the University, your employee group, the length of your University service and date of retirement. For details, please review our Retiree Health Coverage overview.

Plans for Retirees/Dependents Age 65 and Over

Retirees and eligible spouses/domestic partners (and eligible dependents if any) age 65 and over may choose from one of the following plans that supplement Medicare:

View plan feature comparison charts and rates here. 

Prescription Coverage for Retirees in Senior Medical Plans: Participants in Harvard’s medical plans for those over age 65 (except Kaiser Permanente) receive prescription drug benefits included as part of their medical coverage. There is no need to sign up for a separate Medicare Part D plan. OptumRx is the administrator for this benefit for all Harvard health plans - retirees may call 844-265-1225 with questions. 

OptumRx, Harvard's prescription benefit manager, changes web address: OptumRx will switch its website address to www.optumrx.com beginning December 16, 2016. If you have registered on the old Catamaran website, you will be prompted to re-register and create a new user name and password when visiting either web page for the first time after this date in order to create your Optum ID. New users may visit the new page to create an Optum ID.

Plans for Retirees/Dependents Under Age 65

Retirees and eligible spouses/domestic partners (and eligible dependents if any) under age 65 may choose from the same plans offered to active employees.

  • Retiree faculty and nonunion staff under age 65 are covered under the active plans for faculty and nonunion staff
  • Retirees under age 65 who were members of ATC, HUPA, HUSPMGU, Local 26, and SEIU and retired prior to 9/4/2014 are covered under the active plans for faculty and nonunion staff; those who retired on or after 9/4/2014 are covered by the plan for their union
  • Retirees under age 65 who were members of HUCTW and retired prior to 7/5/2011 are covered under the active plans for faculty and nonunion staff; those who retired on or after 7/5/2011 are covered by the plan for their union

View plan feature comparison charts and rates here.

Dental Plan for Retirees

If you meet the eligibility requirements for retiree health, then you and your spouse (and eligible dependents if any) may participate in the retiree Delta Dental Plan, which has a network of more than 5,000 dentists, including those at the University Health Services Dental Clinic.

You will have two opportunities to enroll in retiree dental coverage:

  • At the time of retirement; or
  • When you enroll in retiree medical coverage for the first time, if after your initial retirement date

 Please review the Delta Dental Plan (for Retirees) Summary for coverage information. Click here to view rates.