Retiree Benefits Open Enrollment

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

2022 Open Enrollment information, including plan comparison charts and rates will be mailed in mid-October. If you have moved, please contact Benefits by October 9 at benefits@harvard.edu or 617-496-4001 to update your address so that you receive materials promptly.

There are separate Open Enrollment packages for eligible retirees and dependents under age 65 and those age 65 and older; families with eligible members in both groups will receive two packages.

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. 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 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 $100,00 and above.

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

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.