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?
Can I use my Defined Dollar Credit to pay for premiums from another employers plan?
Will my spouse/surviving spouse be eligible for coverage and/or a Defined Dollar Credit?
How do I make monthly premium payments?
If you select a plan that costs more than your Defined Dollar Credit, you will be invoiced each month for the difference. The invoice will come from Mercer, Caltech's benefits billing administrator.
You can make payments with a check, setting up EFT (Electronic Funds Transfer) through Mercer My Account or by setting up a recurring payment through your bank.
What happens if I don't pay my bill?
Is my dependent child eligible for coverage?
Do I have to join the Caltech retiree medical program?
You don't have to join the Caltech retiree medical program. However, if you are a non-grandfathered retiree or spouse, there are rules about when you can join.
What are the grandfathering rules?
If you retired with Caltech medical coverage before January 1, 1991, you are considered a grandfathered retiree.
If you were actively at work on April 1, 1991, and you had at least 10 years of continuous Caltech service, and you met at least one of the following criteria as of April 1, 1991, you may be considered a grandfathered retiree:
How is the program different for Medicare-eligible grandfathered retirees?
I am a Grandfathered retiree, what plans can I choose?
You can choose one of the following plans:
I am a Grandfathered retiree, can I have my left over Defined Dollar Credit in an HRA if I am on the free Kaiser plan?
I am a Grandfathered retiree, but my spouse is not Medicare eligible yet, can my spouse have the free Kaiser plan?
I am a Non-Grandfathered retiree (or spouse), can I enroll in the free Kaiser plan?
I am a Non-Medicare eligible Grandfathered retiree (or Non-Medicare eligible spouse), can I enroll in the free Kaiser plan?