Medical Plans for Pre-65 Retirees

Retirees and their eligible spouses/domestic partners that are between the ages of 62 and 65 have two choices:

  1. Continue with the same coverage as active faculty and staff.  You will continue to be responsible for your cost share which on average is 20% of the total cost or…
  2. Start receiving the Defined Dollar Benefit (DDB) credits.  The credits adjust annually.  You may take the credits and purchase retirement coverage elsewhere or you may “bank” the credits for future use if you have other coverage.  Please refer to the chart in the section titled Defined Dollar Benefit Program. DDB credits cannot be used to purchase active coverage through another employer.

As a reminder, the medical plans offered to eligible spouses/domestic partners prior to age 65 are:

Panther Gold

Advantage Plan Grid | Advantage Plan Schedule of Benefits

Panther Plus 

Plan Grid | Schedule of Benefits

Panther Basic 

Plan Grid | Schedule of Benefits

Panther Advocate

Plan Grid | Schedule of Benefits

Listed below are a few examples of what usually takes place if someone retires prior to age 65

  1. Many retired faculty and staff members who had University coverage prior to retirement continue with that same coverage until they reach age 65.
  2. Some retired faculty and staff enroll in a spouse/domestic partner’s employer’s plan.  That spouse may be employed by the University of Pittsburgh or elsewhere.
  3. Some retired faculty and staff enroll in the active medical plan of another employer. 

In examples two and three above, you are eligible to receive DDB credits if you have coverage elsewhere.  The only exception is that you cannot obtain active coverage from the University of Pittsburgh and receive DDB credits at the same time.

Important Points to Remember:

  • Please note that if your spouse/domestic partner continues to work for the University of Pittsburgh, they must carry you as a dependent on their coverage unless you obtain coverage by another employer.
  • You and your eligible spouse do not have to elect medical coverage through the University.  It may be obtained elsewhere.
  • You may enroll in University sponsored coverage at any future date provided you provide proof of continuous coverage with a comparable plan.
  • Plan details on the active coverage may be found by clicking on the links below.
  • Spouse/domestic partners below the age of 65 may have access to University coverage but they are responsible for the full cost of that coverage until they reach age 62.  In other words, University subsidized covered is not provided to spouses/domestic partners under the age of 62.  Please refer to the section on Spouse Coverage.
  • Even if you continue with the active medical coverage, you will be issued new membership cards from UPMC Health Plan.  There are two notable differences.  First, you are not eligible for the pre-tax flexible spending accounts.  Therefore your card may look a little different.  The second reason is the group number will have a different extension number that is designated for retiree coverage.

What-If Scenarios

What if I retire at age 62 and my spouse/domestic partner is age 58?
You may continue active single coverage.  The University will fund its cost share, and you will pay the employee contribution to single coverage.  Your spouse will be responsible for the full cost of active coverage until he/she reaches age 62.  Without children, he/she is responsible for single coverage.

What if I retire at age 62 and my spouse/domestic partner is age 58?  In addition to this, I have dependent children under the age of 26?
You may continue active single coverage.  The University will fund its cost share, and you will pay the employee contribution to single coverage.  Your spouse will be responsible for the full cost of active coverage until he/she reaches age 62.  With children, he/she is responsible for parent/child(ren) coverage.

What if I retire at age 62 and my spouse/domestic partner is age 65 or above?
You may continue active single coverage.  The University will fund its cost share, and you will pay the employee contribution to single coverage.  Your spouse if eligible for the DDB credits and may use those credits to purchase University-sponsored post-65 coverage.  The details on post-65 coverage may be found in the section of the web site applicable to post-65 coverage.