How to Enroll in the Retiree Health Plan

How to Enroll


Plan well in advance. Contact the UVA HR Solution Center, Medicare, and Social Security Administration office using the timeline below for assistance and enrollment forms. If you do not enroll within 30 days of retirement, you and your dependents may not enroll in the future. The only exceptions are:

  • You are a state retiree enrolled as a dependent in your spouse’s active state employee health benefits. You may enroll in the retiree group within 30 days of the active employee ending state employment or retiring. To maintain eligibility for the retiree group, submit the waiver section of the Enrollment/Waiver form (contact the Solution Center for this form) within 30 days of retirement.
  • You are a Virginia Sickness and Disability Program participant in long-term disability (VSDP-LTD), leaving LTD for retirement. You may enroll in the Retiree Health Benefits Program (regardless of whether or not you have maintained health coverage in the state program while receiving LTD benefits) as long as there is no break in LTD benefits before retirement. You must enroll within 30 days of retirement.

When should I contact the UVA HR Solution Center and Medicare?

Contact the Solution Center at least 3 months before you retire. Allow plenty of time for the enrollment process and to ensure you have health insurance on your first day of retirement. Enrollment is entirely your decision - you are not enrolled automatically.

If you are eligible for Medicare, contact the Social Security Administration office to make sure you are enrolled in Medicare Hospital Insurance (Part A) and Medical Insurance (Part B).

How does payment work?

You may be eligible for certain programs to help pay part of your health premiums.

  • VRS Annuities

    Retirees who receive a monthly annuity from VRS will have their health insurance premium deducted from their monthly annuity check (if it is large enough to cover the premium). If the check is too small to pay the health premium, retirees will be billed directly. You may pay premiums by monthly check or authorize a monthly bank draft.

  • Other Retirement Annuities

    Retirees who receive a monthly annuity from an organization other than VRS will be billed directly. You may pay premiums by monthly check or authorize a monthly bank draft.

  • State Retiree Health Insurance Credit Program

    If you enroll in the Retiree Health Benefits Program, you may be eligible for the State Retiree Health Insurance Credit. This program reimburses a portion of the premium for your health plan if you have 15+ years of creditable service with a state agency. To be eligible, you must be enrolled in one of the following:

    • An employer-sponsored health plan
    • A personal health plan
    • Medicare Part B

    Retirees with 15+ years of creditable state service who enroll in the State Health Benefits Program are eligible for a credit of $4 / month for each year of creditable service. Disability retirees usually receive a health credit of $120 / month. To receive the Health Insurance Credit, you must submit an Authorization to Deduct Insurance Premiums and Application for Health Insurance Credit form (VRS-78; contact the Solution Center for this form) to VRS.

    If you receive a monthly annuity from the Virginia Retirement System (VRS) and are enrolled in the State Retiree Health Benefits Program, the credit will be included in your monthly annuity check. If you are paying premiums directly to the plan, and are enrolled in the State Retiree Health Benefits Program, the credit will be mailed to your home address each month.

    Contact VRS for more information: 888.827.3847

  • Alternate Health Insurance Credit Program

    If you enroll in other health insurance (rather than the State Retiree Health Benefits Program), and have 15+ years of service with a State agency at retirement, you will be eligible for the Alternate Health Insurance Credit. You receive $4 / month for each year of creditable service. Disability retirees usually receive a health credit of $120 / month.

    To receive the Alternate Health Insurance Credit, you must submit a Retiree Health Insurance Credit form (VRS-45; contact the Solution Center for this form) to VRS. If you receive a monthly annuity from VRS, the credit will be included in your monthly annuity check. Otherwise, your credit will be mailed to your home address the following month.

    Contact VRS for more information at 888.827.3847