Retiree Medical Home

Key Features

Here’s a snapshot of PG&E-sponsored retiree medical coverage. For a summary of how to elect PG&E-sponsored retiree medical coverage, download the Retiree Medical Quick Start Guide.

Eligibility

You can elect PG&E-sponsored retiree medical coverage for yourself and your eligible dependents if you’re at least age 55 on your last day of employment and:

  • 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’ll need to enroll if you want PG&E-sponsored retiree medical coverage.

WHEN YOU RETIRE

You MUST report your Intent to Retire to the PG&E Benefits Service Center 90 to 31 days before your retirement date.

The ONLY WAY you can get a retiree medical enrollment kit is by reporting your Intent to Retire to the PG&E Benefits Service Center. If you don’t report your Intent to Retire, you won’t be able to enroll.

After you report your Intent to Retire, you’ll get an enrollment kit in the mail if you’re eligible for coverage.

Generally, you can enroll as early as 90 days before your retirement date and no later than 31 days after your retirement date.

Earlier deadlines apply if you or any dependents are eligible for Medicare or if you want to elect Kaiser Senior Advantage or other Medicare HMO.

DURING OPEN ENROLLMENT

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

HOW TO ENROLL

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

  • By logging in to your myPlans Connect 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).
  • You must enroll by phone if you or any dependents are newly eligible for Medicare. You can’t enroll online.

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. The only exception is if your spouse is a PG&E employee and you have dependent coverage through your spouse’s active employee Health Account Plan (HAP). If you lose your dependent coverage when your spouse retires or loses eligibility for PG&E-sponsored employee coverage, you’ll be able to elect PG&E-sponsored retiree medical 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.

If you’re eligible for coverage, you’ll get a Personalized Enrollment Worksheet each year during Open Enrollment 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 90 days BEFORE you retire to get full benefits (or 90 days before you or any dependents turn 65 if you’re already retired). Call 1-866-271-8144 and listen for the Initiate or Enroll Retiree Medical Benefits option.