The Institute will provide you and your eligible spouse with a Defined Dollar Credit
The 2021 DDC will be increasing by 2%.
Your Defined Dollar Credit is a monthly amount intended to help you pay for the cost of your medical coverage, while giving you more flexibility and options for choosing coverage that fits you best. This credit is based on your years of service (up to a maximum of 25+ years) and Medicare eligibility. Since Medicare is your primary coverage, these plans cost less and the defined dollar credit for Medicare-eligible retirees is also less.
You have three ways to participate in the Caltech Retiree Medical Plan:
2021 DDC Amounts
Guide: How to Log in to Your Account (Benefits)
Guide to Your Online Account (Benefits)
Filing Claims Handout
Benefits Mobile App Handout
Out-of-Pocket Reimbursement form
Caltech Automatic Premium Reimbursement Request Form
Filing an online claim with Discovery Benefits with service dates prior to January 1, 2020
Logging in to Setup Your Account with Discovery Benefits
Once you are on the Discovery Benefits website you will take the following steps to login:
Quick Tip When Calling the Discovery Benefits Call Center
To bypass listening to all call options for Discovery Benefits you may do the following:
You will then be presented with an automated menu of options from which to make your selection.
How do I setup automatic premium reimbursement for my Medicare Part B premiums and Part D premiums, if applicable, that are deducted from my Social Security payments?
You can setup automatic premium reimbursement by completing the Discovery Benefits (DBI) "Automatic Premium Reimbursement Request Form". Please complete and return the form to DBI as follows:
Mail: PO Box 2926 ∙ Fargo, ND 58108-2926, or
Email: email@example.com, or
How can I look at my HRA balance and transactions?
Discovery Benefits (DBI) will mail a welcome packet to you in mid-December which will include information about how to access your new Discovery Benefits HRA account online, how to download the mobile App and file claims.
How do I submit a claim to Discovery Benefits (DBI) for my HRA?
Your Welcome Packet from Discovery Benefits(DBI) will include instructions; there are several ways to submit claims:
How will I be reimbursed by Discovery Benefits (DBI) for my HRA claims?
If you have not signed up for direct deposit online, you will receive a check in the mail.
Can I use my Defined Dollar Credit to pay for premiums from another employers’ plan?
Yes, however any premiums deducted from your paycheck must be paid for on an after-tax basis to be eligible for reimbursement from the HRA.
Will my spouse/surviving spouse be eligible for coverage and/or a Defined Dollar Credit?
Yes, the spouse/partner you have when you retire will be eligible for coverage and the Caltech Defined Dollar Credit. If a retiree re-marries the new spouse can join the plan, but Caltech will not provide a Defined Dollar Credit toward the new spouse’s coverage.
What expenses can I claim with the Health Reimbursement Account?
Examples of eligible expenses for you and your eligible spouse may include:
Is the Defined Dollar Credit taxable income?
No, when defined dollar credits you receive through the HRA are used for out of pocket healthcare expenses, they are not taxable