Coverage will not automatically end in 2018
By Heather Drago, Ohio Public Employees Retirement System
Nov. 7, 2017 — Although OPERS no longer will provide allowances for spousal health insurance in 2018, current coverage for spouses won’t automatically end next year.
If your spouse is enrolled in pre-Medicare health care coverage, you’ll be charged the full premium amount in 2018 unless you contact OPERS to cancel the spousal coverage. Details can be found in your Open Enrollment kit.
Regarding spousal health insurance coverage for those in the OPERS Medicare Connector, we’ve received questions from retirees regarding spousal access to health care coverage in 2018. To be clear, spouses, including surviving spouses, will not lose their existing medical, pharmacy, vision or dental coverage in 2018.
- While all spouses will continue to have access to OPERS health care, they will no longer receive a monthly Health Reimbursement Arrangement allowance effective Jan. 1.
- Retirees can still seek reimbursements from their HRA for any qualified medical expenses incurred by their spouse.
- Surviving spouses can continue to access the HRA balance for qualified medical expenses.
- All spouses will remain enrolled in their selected plan(s) until the individual cancels the coverage. If a spouse is enrolled in a Medicare plan through the OPERS Medicare Connector administered by OneExchange, that coverage will continue into 2018.
Prior to open enrollment, OneExchange attempted to contact spouses in an effort to reinforce these messages. If you or your spouse missed the call and have enrollment questions, please contact OneExchange at 844-287-9945.
Retirees: Remember, in order for OPERS to provide you with an HRA allowance, your agent of record must be OneExchange. If you enroll in a medical plan through a broker or insurance carrier, you will not receive future HRA allowance deposits from OPERS.
Often during this time of year, you will receive information from many sources outside OPERS. Please remember that OPERS is your source for health care coverage information. Call us at 800-222-7377 with any questions or concerns regarding spousal access to 2018 health care coverage.