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Frequently asked questions—General Continued
I am a non-grandfathered retiree (or spouse), can I enroll in the free Kaiser plan?
No, Caltech provides you and your eligible spouse with a Defined Dollar Credit to help pay for your health care. The amount of your credit is based on your years of service up to a maximum of
25+ years.
Do I have to join the Caltech retiree medical program?
You don’t have to join the Caltech retiree
medical program. There are rules about when you can join.
• If you have other medical coverage (other than Medicare), you will be able to join the Caltech retiree medical program if your other coverage ends. You must notify the Caltech Retiree Service Center within 90 days of the date the other coverage ends, and you must provide proof that you have maintained continuous medical coverage since January 2015 or your retirement date from Caltech, whichever is later. (Be sure to retain records that prove you have other medical coverage, such as annual confirmation statements and premium receipts.)
• If you don’t have other medical coverage you can join the Caltech Retiree Medical Program during Annual Open Enrollment. However, if you do not enroll in the Caltech Retiree Medical Program within two years of your retirement and you did not have other continuous medical coverage (other than Medicare), you waive your right to coverage under the Caltech Retiree Medical Program and will no longer be eligible to enroll.
How do I submit a claim to Discovery Benefits for my HRA?
There are several ways to submit claims:
• Fax or mail a paper “Out of Pocket Request Form” to Discovery Benefits
• Login to Discovery Benefits and submit a request online at www.discoverybenefits.com
• Use the Discovery Benefits mobile app to file a claim
• Use online bill pay to pay your provider directly from your HRA
How will I be reimbursed by Discovery Benefits for my HRA claims?
If you have not signed up for direct deposit online, you will receive a check in the mail.
Is the Defined Dollar Credit taxable income?
No.
What if I have a large balance in my HRA?
Contact the Retiree Service Center to get assistance making claims with Discovery Benefits.
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