Retiree Medical Home

Key Features

Here’s a snapshot of PG&E-sponsored retiree medical coverage, and a timeline of the steps you'll need to take if you want PG&E-sponsored retiree medical coverage when you retire.

Eligibility

You can elect PG&E-sponsored retiree medical coverage for yourself and your eligible dependents if:

  • You retire with at least 10 years of service—or
  • You’re a Management or A&T employee hired before 2004 (no minimum service requirement)
Enrollment

You can enroll in PG&E-sponsored retiree medical coverage:

  • Online through your Mercer BenefitsCentral account—or
  • By phone through the PG&E Benefits Service Center: 1-866-271-8144. Listen for the Initiate or Enroll Retiree Medical Benefits option (representatives are available Monday–Friday, 7:30 a.m.–5 p.m. Pacific Time).

When you retire: You can enroll as early as 60 days before your retirement date and no later than 31 days after your retirement date. Communications will be mailed to you when you’re within 90 days of your retirement—starting with a letter, which will include the subject, Intent to Retire—ACTION REQUIRED. Please be sure to respond immediately to start the enrollment process.

You can enroll in PG&E-sponsored retiree medical coverage online through your Mercer BenefitsCentral account or by phone through the PG&E Benefits Service Center: 1-866-271-8144

Listen for the Initiate or Enroll Retiree Medical Benefits option (representatives are available Monday–Friday, 7:30 a.m.–5 p.m. Pacific Time

When you retire:
You can enroll as early as 60 days before your retirement date and no later than 31 days after your retirement date.

During Open Enrollment:
You can enroll or change your coverage each year during Open Enrollment.

If your life changes:
Big changes like marriage or divorce are called life events.

Already enrolled? You have 31 days from the date of your life event to make allowable midyear changes to your coverage (180 days from the birth or adoption of a child).

Not enrolled? If you’re not enrolled in retiree medical coverage when you experience a life event, you’ll need to wait until the next Open Enrollment period to elect coverage.

Did you waive your PG&E-sponsored retiree medical coverage? Generally, you can enroll for PG&E-sponsored retiree medical coverage during any Open Enrollment. Special rules may apply if both you and your spouse are PG&E employees.

For details, see your Summary of Benefits Handbook at spd.mypgebenefits.com.

Costs

You and PG&E share the cost of your PG&E-sponsored retiree medical premiums. How much you pay depends on:

  • The medical plan and level of coverage you elect
  • Your eligibility for Medicare
  • How long your Retiree Medical Savings Account (RMSA) will last—or how much your Retiree Medical Employer Contribution (RMEC) will pay
Plans

Where you live and whether you’re eligible for Medicare determine what plans are available to you and your dependents.

When you’re ready to retire and each year during Open Enrollment, you’ll get a Personalized Enrollment Worksheet showing available plans and monthly costs.

Medicare

Are you or your dependents eligible for Medicare—including “early” Medicare (under age 65 and receiving Social Security disability payments)?

Immediately notify the PG&E Benefits Service Center if you or any covered dependents are eligible for Medicare. You and any Medicare-eligible dependents must sign up for Medicare Part B BEFORE you retire to get full benefits. Call 1-866-271-8144 and listen for the Initiate or Enroll Retiree Medical Benefits option.

Download Retirement Steps for a timeline and checklist of what you need to do by when.