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Frequently Asked Questions
If you are an annuitant on or before Dec 31, 2024 and you are already enrolled in Medicare B at the time of PSHB Program implementation then you are required to stay enrolled in Medicare Part B to continue coverage under PSHB, unless eligible for an exception.
Yes, you must remain enrolled in your UnitedHealthcare PSHB Health Plan to be eligible for the Retiree Advantage plan. Do not suspend or terminate your coverage with OPM or you will no longer be eligible for the Retiree Advantage plan.
Individuals who are retired, with Medicare A and B, and enrolled in a participating UnitedHealthcare PSHB Health Plan code. Participating plan codes are Choice Plus Primary plan codes JY and KE.
Visit uhcfeds.com and enter your zip code to see which plans are available in your area. Once you’ve enrolled in an eligible UnitedHealthcare PSHB Plan code and OPM has processed the enrollment, you will then be eligible to enroll in the Retiree Advantage enhanced level of benefits.
There is no additional premium to enroll in the Retiree Advantage plan. You must continue to pay your UnitedHealthcare PSHB Health Plan premium and your Medicare premiums.
This Retiree Advantage plan is approved by OPM as a part of the PSHB program. This is why you must first enroll in an UnitedHealthcare PSHB Plan code with OPM and remain enrolled in that plan code – it keeps you within the PSHB program. Do not suspend or terminate your coverage with OPM or you will also be terminated from the Retiree Advantage plan.
No, while you will remain a UnitedHealthcare PSHB Health Plan member in the PSHB program, once enrolling in the Retiree Advantage plan it will take over as the primary and only payor. You get all the benefits of Original Medicare, plus all the benefits of your PSHB plan all in one plan. You will no longer need to coordinate between two plans.
No, you only need to contact OPM to enroll in a qualifying UnitedHealthcare PSHB plan code.
No, this is a custom Group Medicare Advantage plan designed specifically for retirees in the PSHB program. The Medicare Advantage plans advertised on TV are Individual plans and are unrelated to the PSHB program, and may require you to suspend your PSHB plan.
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While VA Providers cannot submit claims to a Medicare Advantage plan, Veterans can request reimbursement when all of the following are true:
- You are a Medicare Advantage member or were at the time of the service
- You received Medicare-covered services from a VA Provider or facility
- You paid a higher copayment or coinsurance for the Medicare-covered services (including prescription drugs) through the VA than you would have using your Medicare Advantage plan
You can submit a request for reimbursement, by completing the VA 10-583 Form and mailing it to the address on your ID card.
IRMAA is an amount Social Security determines you may need to pay in addition to your monthly Part B and D premium if your modified adjusted gross income on your IRS tax return from 2 years ago is above a certain limit. The UnitedHealthcare Retiree Advantage plan’s included prescription drug coverage is considered a Part D plan therefore if you currently have a Part B IRMAA then you may incur an additional Part D IRMAA when enrolling in this plan.
Your monthly Medicare part B premium subsidy will be automatically applied to your Medicare part B premium in the form of a reduced part B premium charge.
The method in which you pay your part B premium will be the method in which you will receive the subsidy. Your reduced part B premium will be applied on your Social Security benefit, direct bill from Medicare, or Annuity benefit depending on how you pay your premium.
You will not see a line-item credit on your statement, you will see a reduced premium amount. For example, in 2024 the part B premium is $174.70 and the subsidy amount is $150.00, therefore the charge you will see on your statement will be $24.70. The amount on your statement could vary should you have a part B Late Enrollment Penalty or a part B IRMAA.
Yes, you will have an annual preventive care dental benefit, with a $500 annual maximum. You will receive a separate ID card for this stand-alone benefit.
Your coverage will include an annual eye exam only. The Retiree Advantage plan does not have eyewear coverage.