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Human Resources

Continuing Insurance Benefits at Retirement

Quick Access to this Site Health Insurance Resources
Eligibility Retiree Health Plans Comparison
Overview Medicare Part D Creditable Coverage Letter
Health Plans Available to Retirees Health Insurance Certificates
Managed Care (MCO) Health Plans Blue Access
MCOs and Out of Network Services Blue Advantage
Effective Date of Retiree Coverage Gold Preferred
Enrollment & Change Period Iowa Select
Coverage for Dependents Program 3 Plus
Retiree Health Premiums Deductible 3 Plus
Applying for Health and/or Dental Insurance Group Retiree Program N
Retiree Health Insurance (before Medicare)  
Retiree Health Insurance and Medicare Dental Insurance Certificate
Retiree Dental Insurance Delta Dental Premier
Vision Care Discount Program  
Continuing Life Insurance  
Continuing Long Term Disability Insurance
   
Summary of Benefits & Coverage (SBC)
Executive Branch AFSCME & UE/IUP
Judicial Branch
Legislative Branch
Executive Branch Non-contract
Blue Access Blue Access
Blue Advantage Blue Advantage
Gold Preferred Gold Preferred
Iowa Select Iowa Select
Program 3 Plus Program 3 Plus
Deductible 3 Plus Deductible 3 Plus
 
Retiree Health and Dental Insurance Forms
Continuation in the Retiree/Disabled State Group Health or Dental Insurance Program form
Certification of Full-Time Student Status
Wellmark
Wellmark Health Insurance Application (except Blue Advantage)
Wellmark Blue Advantage Insurance Application
Group N Plan Application
MedicareBlue Rx Application
Wellmark's Authorization for Automatic Bank Account Withdrawal form
Delta Dental  
Delta Dental Insurance Application
 
Delta Dental's Authorization for Automatic Bank Account Withdrawal form
   
2014 Retiree Health and Dental Insurance Premiums
Retiree Health Premiums (Before Medicare-eligibility)
Retiree Health Premiums (Sick Leave Insurance Program (SLIP))
Retiree Health Premiums (Medicare-eligible without MedicareBlue Rx Iowa)
Retiree Health Premiums (Medicare-eligible with MedicareBlue Rx Iowa)
Group N Plan Premiums
Retiree Dental Insurance Premiums


Eligibility to Continue Insurance Benefits at Retirement

To be eligible for continuing retiree health and dental coverage, you must:

  • Be at least age 55 by your retirement date
  • Applied for and receive a State of Iowa monthly pension benefits (IPERS) and
  • Inform your PA that you are retiring and complete/sign the appropriate retirement paperwork, and leave the payroll system as a retiree

If you rescind your retirement and do not receive a pension benefit, you will not be considered to have taken retirement and will not be eligible for this program.

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Overview of Continuing Benefits at Retirement

If you meet the eligibility criteria above, you can continue to participate in health and dental coverage as a retiree.

  • If your spouse is covered under your State of Iowa's health and/or dental plans at the time of your death, he or she can continue health and dental coverage as a surviving spouse.
  • If you drop the state of Iowa health and/or dental coverage, there is no provision for rejoining the group at a later date. (Adding SilverScript is not considered leaving the state's group.)

As a retiree, you can elect:

  • Health insurance only
  • Dental Insurance only
  • Health and dental insurance

You can have different coverage levels such as family coverage for health insurance and single coverage for dental insurance.

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Health Plans Available to Retirees

You have the same health and dental plans available as a retiree as active employees. Retirees have the following Wellmark Blue Cross Blue Shield health plans available.

  • Blue Access
  • Blue Advantage
  • Gold Preferred
  • Iowa Select
  • Program 3 Plus
  • Deductible 3 Plus
  • Group N Plan (for Medicare-eligible retirees, only)

The same health plan provisions that govern active employees’ coverage also apply to retirees’ coverage. If a new health plan is offered to active employees, retirees have the same opportunity to elect the new plan. If a health plan is no longer offered to active employees, retirees must select a new health plan.

Health Plans Comparison

The health plans enable you to select a health plan that best meets your individual and family needs. To assist you in making a decision, a side-by-side comparison of the different health plans can be viewed by clicking on the link below. (This is only a summary of plan benefits, all the health insurance benefits are not included in the summary. Please view the health insurance certificates for all plan benefits.)

The chart compares coverage of each plan in areas such as:

Deductible The amount you pay each year toward your initial covered expenses before the plan begins to pay.
Coinsurance The percentage of the covered expenses you must pay.
Copayment The amount you must pay at the time a service is rendered.


Health Insurance Plans Side-by-Side Comparison

For general information about the State of Iowa's health insurance plans, go the DAS Health Insurance website.

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Managed Care Organization (MCO) Health Plans

The State offers two MCO plans in 2012. They are:

  • Blue Access
  • Blue Advantage

The only difference between these plans is that with Blue Advantage, you have to list a primary care physician as your personal doctor who would then refer you to other health care providers or services if needed. The following map and table links indicate the counties that have adequate participating providers to offer services as noted. Please check the provider directories for any plans that interest you to ensure that there are participating doctors, specialists, labs, hospitals, clinics, etc. in your area.

IMPORTANT: Services will not be paid by the carrier if you do not go to participating providers for all your health care needs.

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MCO Health Plans and Out-of-Network Services

If you are enrolled in either the Blue Access or Blue Advantage health insurance plans and permanently relocate outside the health plan's service area, only emergency services will be covered in your new location. At the time of relocation, you can change to a different health plan. Electing another health plan, due to moving out of the MCO service area, needs to be done as soon as possible when you change your permanent residence.

Note: The Blue Access and Blue Advantage plans have a guest membership provision that allows you to become a guest member of other Blue Cross and Blue Shield plans when you are outside the Wellmark health plan network area for at least 90 days. For more information about guest membership provision of Blue Access or Blue Advantage, contact Wellmark's customer service.

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Effective Date of Retiree Coverage

Coverage in the active employee group will cease at the end of the month in which you retire. Your coverage as a retiree will begin the first of the month following retirement.

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Enrollment and Change Period

Retirees have an annual enrollment and change period similar to active employees. As a retiree, you can change your health plan or coverage level during the enrollment and change period.

Prior to the annual enrollment and change period, DAS-HRE sends correspondence explaining health plan changes or options to retirees enrolled in health insurance. If you do not receive any information from DAS-HRE by early November, please call 515-281-6124 and DAS-HRE will mail you another letter.

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Health and Dental Insurance Coverage for Dependents

Health and dental insurance offers two levels of coverage:

  • Single
  • Family

Dependents eligible for coverage in a Family plan are:

  • Your spouse (A husband or wife as the result of a marriage that is legally recognized in Iowa. This does not include a spouse from whom you are legally separated or divorced.)
  • Your domestic partner (same sex or opposite sex are eligible for domestic partner coverage)
  • Your dependent child (children)
Eligible Dependent Child (Children)

An eligible dependent child is:

  • Your natural child
  • A child placed with you for adoption or a legally adopted child
  • A child for whom you have legal guardianship
  • A stepchild
  • A foster child

You may be required to provide documentation that a dependent is eligible as defined above.

  • Your dependent child may be covered for health insurance through the end of the year in which they turn age 26.
  • Your dependent child who is an unmarried, full-time student in an accredited institution of postsecondary education may be covered regardless of age.
  • Your unmarried dependent child who is totally and permanently disabled, physically or mentally, may be covered regardless of age. (The disability must have existed before the dependent child turned age 27 or while a full-time student.
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2014 Retiree Health Premiums

Retiree Health Premiums (Before Medicare-eligibility)
Retiree Health Premiums (Sick Leave Insurance Program (SLIP))
Retiree Health Premiums (Medicare-eligible without MedicareBlue Rx Iowa)
Retiree Health Premiums (Medicare-eligible with MedicareBlue Rx Iowa)
Group N Plan Premiums

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How To Apply for Retiree Health and/or Dental Insurance

Complete the Application for Continuation in the Retired/Disabled State Group Health or Dental Insurance Program form and any other forms applicable. Submit the completed agreement and other forms to your department's personnel assistant prior to your retirement date.

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Retiree Health Insurance (Before Medicare-eligibility)

If you retire before you are eligible for Medicare (in most cases, before age 65), you could be eligible for the Sick Leave Insurance Program (SLIP). SLIP is an opportunity for eligible state employees to use all or part of their unused sick leave balance to pay the state’s share of their health care premiums after they retire until the time when they are eligible for Medicare.

State employees eligible for the SLIP program are:

  • Executive branch AFSCME represented employees
  • Executive branch IUP represented employees
  • Executive branch Non-Contract employees
  • Community Based Corrections employees (not administered by centralized payroll)

This program does not include:

  • Board of Regents employees
  • Elected officials
  • Executive branch SPOC-covered employees
  • Judicial branch employees
  • Legislative branch employees

These groups may be covered by similar programs designed just for them.

Additional information is located at the Sick Leave Insurance Program (SLIP) website.

Contact your human resources associate or personnel assistant for specifics and the required paperwork at the time of retirement.

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Retiree Medical and Medicare

You can continue your health coverage with the State of Iowa when you become eligible for Medicare. You are eligible for Medicare when you are:

  • Age 65
  • Under age 65 with certain disabilities
  • Any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant)
Medicare Supplemental Plan

Once you become Medicare-eligible, you may elect to drop the State of Iowa group coverage and purchase a private Medicare supplement plan. A Medicare supplement plan differs from the State of Iowa group in that the benefits provided vary by supplement option. If you drop your State of Iowa health plan and purchase a Medicare supplemental plan, coverage for your spouse and dependents are also cancelled.

Continue with State of Iowa Plan

You can continue with the State of Iowa group plan after you become eligible for Medicare, your benefits do not change. Benefits offered to Medicare-eligible retirees are the same as the benefit plan offered prior to becoming Medicare-eligible. You submit proof that you have Medicare Parts A and B to Wellmark. Medicare will become the primary payer on your claims and the State of Iowa group will pay as secondary. A premium rate reduction will occur at that time.

Additional information, including premiums, is located at the Health Insurance for Medicare-Eligible Retirees website.

Contact Wellmark's customer service when you become Medicare-eligible.

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Retiree Dental Insurance

You can continue to participate in the State of Iowa’s group dental plans when you retire. If your spouse is covered by our group insurance at the time of your death, he or she can continue dental coverage as a surviving spouse.

If you drop State of Iowa dental coverage, there is no provision for rejoining the group at a later date.

The same dental plan provisions that govern active employees’ coverage also apply to retirees’ coverage.

The cost of retiree dental coverage is the total cost of the insurance. Dental premiums are either single or family. Dental coverage for you and your spouse is considered family coverage. Dental premiums are not reduced when you become eligible for Medicare.

2014 Retiree Dental Premiums

For general information about the State of Iowa's dental insurance plan, go to the DAS Dental Insurance website.

Contact your personnel assistant for specifics and the required paperwork at the time of retirement.

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Vision Care Discount Program

Delta Dental subscribers have access to a vision care discount program at no additional cost to them through an association with EyeMed Vision Care. For more information on the EyeMed Discount Program through Delta Dental of Iowa, go to www.eyemedvisioncare.com/deltadental or call 1-866-246-9041.

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Continuation of Life Insurance

When you leave state employment, you may be able continue your life insurance coverage by either porting or converting your coverage.

Review the Continuation of Life Insurance at Retirement or Termination website for additional information on continuing life insurance when you retire..

 
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Long Term Disability Conversion

The State of Iowa long term disability coverage will cease on your last day of active employment. You cannot convert long term disability insurance.

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Updated 2014-03-11