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.

Benefits Open Enrollment 2019

Benefits Open Enrollment for 2019 was October 31-November 14, 2018 and is now closed. If you made any changes during Open Enrollment, you will receive a confirmation statement with those changes in December. If you didn't make any changes, you will not receive a confirmation statement.

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 through December 31, 2018 - retirees may call 844-265-1225 with questions. Beginning on January 1, 2019, there will be a new administrator, Express Scripts Medicare®, for the prescription benefit in all Harvard-sponsored medical plans. All retirees enrolled in a Harvard-sponsored medical plan will receive a new ID card in late December to use when filling prescritions beginning January 1, 2019. Retirees with questions may call Express Scripts at 877-787-8684 with questions and visit express-scripts.com for more information and to set up an online account.

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
  • Retirees and covered dependents may be eligible to use SmartShopper, a free services that helps you compare costs for certain medical procedures and tests and receive a financial incentive up to $250 for using a preferred provider. Learn more.

View plan feature comparison charts and rates here. Note that beginning on January 1, 2019, there will be a new administrator, Express Scripts, for the prescription benefit in all Harvard-sponsored medical plans. All retirees enrolled in a Harvard-sponsored medical plan will receive a new ID card in late December to use when filling prescritions beginning January 1, 2019.

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.