Retiree Benefits Open Enrollment

2022 Open Enrollment will be held October 26-November 4, 2021

During Open Enrollment, you can make the following changes to your benefits. Changes are effective January 1, 2022:

  • Change, elect or drop medical coverage
  • Add or drop an eligible dependent
  • Drop dental coverage. If you drop dental coverage, this change is permanent – you will never be able to re-enroll in the future.

Coverage for Retirees and Dependents Age 65 and Over

There are no plan design changes to the three senior medical plans for retirees and eligible dependents age 65 and over for 2022. Retirees and/or their eligible dependents age 65 or older may choose from among three senior medical plans:

  • Blue Cross Blue Shield (BCBS) Medex
  • Harvard Pilgrim Health Care (HPHC) Medicare Enhance
  • Tufts Medicare Preferred HMO

Monthly premium costs have increased for 2022 for all three senior plans and it is important for retirees to review the new costs. You can review the medical plan features and 2022 rates here:

If you are enrolled in the Harvard Retiree Dental Plan, there are some enhancements to that plan, described below.

Coverage for Retirees and Dependents Under Age 65

There are no plan design changes medical plans for retirees and eligible dependents under age 65 for 2022, who are covered under the same plans as active employees. However, salary tier amounts for tiers 1, 2, and 3 for medical premiums are being adjusted upward by $5,000 effective January 1, 2022 for retired faculty, nonunion staff and HUCTW members under age 65.

You don’t need to do anything; you will automatically be placed in the right tier based on your full-time-equivalent (FTE) salary at the time of your retirement and will pay medical plan premiums based on your 2022 tier.

Tiers will be adjusted as follows:

  • Tier 1: Changing from less than $55,000 to less than $60,000
  • Tier 2: Changing from $55,000-$74,999 to $60,000-$79,999
  • Tier 3: Changing from $75,000-$99,999 to $80,000-$99,999
  • There is no change to tier 4, which remains $100,000 and above.

This change in tier amounts does not apply to retired members of other unions.

If you are enrolled in the Harvard Retiree Dental Plan, there are some enhancements to that plan, described below.

Learn more

The 2022 Open Enrollment Guides provide an overview of benefit options, side-by-side comparison of health plans, and plan rates to help as you review your options:

Dental Plan Enhancements

If you are enrolled in the Harvard Dental Plan for retirees, which covers enrolled retirees both over and under age 65 and eligible dependents, you will see some enhancements to this coverage beginning in 2022:

  • The amount paid by the plan for many services will increase from 50% to 75%. Covered retirees and eligible dependents’ coinsurance share of these costs will be reduced from 50% to 25%. Refer to the 2022 Retiree Dental Plan Summary.
  • The annual benefit maximum will increase from $3,000 to $5,000 per year.
  • White fillings on back teeth will be covered at the Basic rate (above) of 75%.

Please note that in order to have this coverage, you must have enrolled at the time you retired, or when you first enrolled in retiree medical coverage. You cannot elect the Retiree Dental Plan during Open Enrollment. These changes do not apply to the closed HURA Dental Plan.

Harvard Dental Plan for Retirees enhancements for 2022

Category
Some limitations may apply. Please refer to the Delta Coverage Summary on HARVie for more details; go to hr.harvard.edu/retiree-health.
2021 2022
Annual Plan Maximum $3,000 $5,000
  Plan Pays* You Pay Plan Pays* You Pay
Restorative
Oral Surgery
Periodontics
Endodontics
Prosthetic Maintenance
Emergency Dental Care
50% 50% 75% 25%
Prosthodontics
Major Restorative
50% 50% 50% 50%

*Plan pays after deductible (where applicable) up to annual plan maximum

How to Make Changes

If you are a retiree and want to make a change for 2022, please call Harvard Human Resources Benefits at 617-496-4001 between 9 a.m. and 5 p.m. EST Monday through Friday or email benefits@harvard.edu before November 4, 2021 to request the necessary forms, which will be sent to you. No action is required if you do not want to make any changes.

Confirmation of your 2022 changes and new ID cards

Retirees will only receive a confirmation if they make changes. Confirmations will be mailed by early December. If you enroll in or change your medical coverage during Open Enrollment, you will receive your plan ID card(s) in late December. All retirees under age 65 enrolled in one of the medical plans will receive a new medical plan ID card that lists some of your cost-share. Your current cards will continue to work in 2022.