Benefits - Open Enrollment for Pre-Medicare Retirees
Open Enrollment for Pre-Medicare Retirees
Visit the RIT Service Center or call 585-475-5000 for questions about your benefits and the Open Enrollment process.
Open Enrollment for Pre-Medicare Retirees is
Monday, November 4 to Monday, November 25, 2024.
What to Know
Medical Plans
- Cost Increases - Medical plan contribution rates will increase across all plans. Your actual increase depends on the plan you choose, who you cover, and your retiree cost group and salary level.
- Plan Features - Deductibles and coinsurance amounts are increasing for POS B, POS B No Drug, and POS D plans.
- POS B No Drug plan - RIT will discontinue this plan in 2026. Retirees currently enrolled in the POS B No Drug plan may continue their coverage for one more year. However, this plan will not be open to new enrollees for 2025.
- What's not changing
- Out-of-pocket maximums and prescription drug designs including copays will remain the same on all plans.
- POS A and PPO (out-of-area) plan designs.
- Copays for primary care provider (PCP) visits, specialist visits, lab, x-rays, urgent care, and emergency room.
Dental Plans
- Cost Increases - Dental plan contribution rates are increasing for 2025.
- Plan Features - There are no changes to the dental plans for 2025.
Identify Theft Protection
- Program and Billing Changes - Effective January 1, 2025, enrollment in the Identity Theft Protection Plan will no longer be administered through RIT or billed monthly through Lifetime Benefit Solutions.
- Retirees currently enrolled in coverage will have the opportunity to continue coverage. You will receive an email directly from Identity Force with the steps to take to enroll.
- RIT is happy to share that plan designs are enhanced, with lower monthly premiums!
- There will be NO new enrollments in 2025
Legal Services Plan
- Program and Billing Changes - Effective January 1, 2025, enrollment in the Legal Services Plan will no longer be administered through RIT or billed monthly through Lifetime Benefit Solutions.
- Retirees currently enrolled in coverage are eligible to continue coverage directly through MetLife Legal Plans (formerly Hyatt Legal).
- Retirees eligible for this coverage will receive information about next steps from the RIT Benefits Office in early December.
- There will be NO new enrollments in 2025
Benefits Enrollment
- RIT Benefits will send an email confirmation when we receive your form.
- You will receive your new bill for benefits from LBS in late December/ early January.
Medical & Prescription Drug Coverage
Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B, POS B No Drug (no new enrollments for 2025) and POS D. The prescription drug benefit is administered by OptumRx.
It is important to compare your health needs along with the coverage of the medical plans and the premium costs to determine which plan is best for you.
Employees may cover their spouse/domestic partner and children up to age 26.
You will continue to have access to the well-being programs and resources you’ve become familiar with, along with low cost virtual care through MDLIVE, no-cost preventive care, and additional offerings. PCP, Specialist, X-ray, Lab, Urgent care and pharmacy copays are not changing.
Medical Plan |
2024 Design(In-Network) |
Changes for 2025(In-Network) |
|
POS B |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% |
|
POS B No Drug |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% *No new enrollments for 2025* |
|
POS D |
Medical deductible: Coinsurance: 10% |
Medical deductible: Coinsurance: 20% |
Medical deductible and coinsurance apply to inpatient hospitalization, outpatient surgery services and advanced imaging (examples: MRI's, PET scans, CT scans). See Plan Summaries below for more information.
Four medical plan options are offered and administered through Excellus BlueCross BlueShield: POS A, POS B, POS B No Drug (no new enrollments for 2025) and POS D. The prescription drug benefit is administered by OptumRx.
It is important to compare your health needs along with the coverage of the medical plans and the premium costs to determine which plan is best for you.
The Pre-Medicare medical plans are for retirees or their spouses who are not eligible for Medicare, which usually occurs at age 65; unless they are disabled before age 65. Retirees can cover their dependent children through age 26.
| In-Network Medical Coverage | POS A | POS B and POS B No Drug | POS D | |||
| RRH(1) | Other In-Network | RRH(1) | Other In-Network | RRH(1) | Other In-Network | |
|
Annual Deductible (individual/family) Note: Each individual does not exceed the single deductible. |
Not Applicable | $500/$1,000 | $600/$1,200 | |||
| Coinsurance (patient pays/plan pays) | Not Applicable | 20%/80% | 20%/80% | |||
| Annual Patient Maximum Out-of-Pocket (individual/family) | $5,250/$10,500 | $6,250/$12,500 | $6,600/$13,200 | |||
| Telemedicine with MD Live | N/A | $10 | N/A | $10 | N/A | $10 |
| RRH On-Campus Practice | $20 | N/A | $20 | N/A | $20 | N/A |
| Primary Care Physician | $30 | $35 | $35 | $40 | $40 | $45 |
| Specialist | $35 | $50 | $40 | $55 | $45 | $60 |
| Physical Therapy | $50 | $55 | $60 | |||
| Chiropractic Services | $50 | $55 | $60 | |||
| Urgent Care | $55 | $60 | $65 | |||
| Emergency Room | $115 | $140 | $140 | $190 | $165 | $215 |
| Hospital Inpatient | $150 | $200 | 20% coinsurance after deductible | 20% coinsurance after deductible | ||
| Hospital Outpatient or Ambulatory Surgical Center | $70 | $140 | 20% coinsurance after deductible | 20% coinsurance after deductible | ||
| Laboratory and Pathology | Covered in Full | Covered in Full | Covered in Full | |||
| X-ray | $50 | $55 | $60 | |||
| Advanced Imaging (CT, MRI, etc.) | $75 | 10% coinsurance after deductible | 10% coinsurance after deductible | |||
(1)The lower RRH copays do not apply to tests, treatments or any other services (e.g., allergy shots, chiropractic services, physical therapy, etc.).
Out-of-network deductibles and co-insurance are also increasing; please see 2025 SBCs for details
| Prescription Drug Coverage | POS A | POS B Only | POS D | |||
| Wegmans | Other Retail(2) | Wegmans | Other Retail(2) | Wegmans | Other Retail(2) | |
| Annual Deductible (individual/family) | Not Applicable | Not Applicable | $1,250 per person, then copays | |||
| Annual Patient Maximum Out-of-Pocket (individual/family) | $2,350/$4,700 | $2,350/$4,700 | $2,500/$5,000 | |||
| Up to 30-Day Supply at Retail | ||||||
| Tier 1: Generic | $15.00 | $17.00 | $15.00 | $17.00 | $25.00 | $30.00 |
| Tier 2: Brand Name-Formulary (preferred) | $35.00 | $40.00 | $35.00 | $40.00 | $70.00 | $80.00 |
| Tier 3: Brand Name-Non-Formulary (preferred) | $50.00 | $60.00 | $50.00 | $60.00 | $130.00 | $150.00 |
| Up to 90-Day Supply at Wegmans or OptumRx Mail Order | ||||||
| Tier 1: Generic | $37.50 | Not Available | $37.50 | Not Available | $62.50 | Not Available |
| Tier 2: Brand Name-Formulary (preferred) | $87.50 | Not Available | $87.50 | Not Available | $175.00 | Not Available |
| Tier 3: Brand Name-Non-Formulary (preferred) | $125.00 | Not Available | $125.00 | Not Available | $325.00 | Not Available |
For a full comparison of the POS plans, please see the 2025 Medical Benefits Comparison Book for specifics.
Cost Sharing Group 2
Employees who were hired before January 1, 2024 and were age 35 or over on January 1, 2008.
In 2024 and after, retiree contributions will be double the employee contributions.
2025 Group 2 Medical Plan Rates
Cost Sharing Group 3
Employees who were hired on or after January 1, 2004 OR hired before January 1, 2004 and under age 35 on January 1, 2008.
In 2024 and after, retiree medical contributions will 10% higher than Cost Sharing Group 2.
Dental Care
Pre-Medicare retirees and their Pre-Medicare spouses are eligible for the Dental Care plan until the become Medicare. Coverage will end the last day of the month prior to the month the enroll in Medicare. For dependent children of retirees, coverage can continue through the end of the month in which they turn 26.
Vision Care - NO NEW ENROLLMENTS FOR 2025
Retirees currently enrolled in the RIT vision coverage through VSP are eligible to continue their coverage in 2025. There are no changes to the coverage or contribution amounts in 2025.
Below is an outline of the coverage:
Vision coverage is offered through VSP. Well vision exams have a $15 copay and there is a $150 allowance for frames or contacts each calendar year. Employees may cover their spouse/domestic partner and children up to age 26. Vision coverage is fully paid by employee payroll deductions.
Member will receive the below in-network benefits when they go to a participating provider.
| Service | Coverage Information |
| Eye Exam |
A routine eye exam is covered once per calendar year with a $15 copay. A diabetic eye exam has a $20 copay (see details below about the VSP Diabetic Eyecare Plus ProgramSM. |
| Lenses |
VSP’s standard lenses are covered in full, every calendar year, after a $20 copay, including glass or plastic single vision, bifocal, trifocal, progressive, or other more complex lenses necessary for the patient’s visual welfare. There is an additional cost for various coatings (e.g., anti-reflective, scratch, etc.), but VSP does provide a discount on these optional items. |
| Frames | $150 allowance toward frames, every calendar year. If you select a frame that costs more than $150, VSP offers a 20% discount off the amount over the retail allowance. Some frames qualify for a $170 featured frame brands allowance. |
| Contact Lenses | You may choose contacts instead of glasses (lenses and frame). There is a $150 allowance applied to the contact lens exam (fitting & evaluation) and the contact lenses. You also receive a 15% discount off the contact lens exam before the allowance is applied. |
Note: RIT’s medical coverage under POS A, POS B, POS B No Drug, and POS D covers routine eye exams with a copay. If you want to continue using your same eye doctor who is not a VSP provider, use your medical ID card at the eye doctor. Then you can take your prescription for eyeglasses or contacts to a VSP provider.
ID Theft - NO NEW ENROLLMENTS - Retiree Must Elect Coverage for Direct Bill
Program and Billing Changes
Effective January 1, 2025, enrollment in the Identity Theft Protection Plan will no longer be administered through RIT or billed monthly through Lifetime Benefit Solutions.
Retirees currently enrolled in coverage will have the opportunity to enroll in one of two enhanced plans with lower monthly premiums. Identity Force will e-mail eligible retirees in early January of 2025 to outline the steps to enroll and to set up direct billing.
IMPORTANT: You must respond to the e-mail that Identity Force sends in January in order to elect coverage. If you need to update the e-mail that Identity Force has on record, you may reach out to Identity Force Member Services at 877-694-3367.
Feature |
UltraSecure in 2024 |
UltraSecure ID in 2025 |
| $1M Identity Theft Insurance | X | X |
| 24/7 U.S. Based Customer Support | X | X |
| Ability to gift monitoring to adult (family plan) | 1 Additional Adult | Up to 10 Additional Adults |
| Advanced Fraud Monitoring | X | X |
| Bank Transaction Alerts | X | X |
| Change of Address | X | X |
| Child Watch | X | X |
| Court Records | X | X |
| Credit Card Transaction Alerts | X | X |
| Credit Report & Score | 1B Daily | |
| Credit Report Monitoring | 1B with Instant Inquiry | |
| Credit Score Simulator | X | X |
| Credit Score Tracker | X | |
| Dark Web Monitoring | X | X |
| Fraud Alert Reminders | X | X |
| Freeze My Credit | X | X |
| Fully Managed Identity Restoration | X | X |
| Identity Threat Alerts | X | X |
| Investment Account Transaction Alerts | X | X |
| Junk Mail Opt-Out | X | X |
| Lost Wallet Protection | X | X |
| Medical ID Fraud Protection | X | X |
| Medical Identity Theft | X | X |
| Mobile App | X | X |
| Online PC Protection Tools | X | |
| Payday Loan Monitoring | X | X |
| Restoration for Pre-existing Conditions | X | X |
| Sex Offender Registry Monitoring | X | X |
| Smart SSN Tracker | X | X |
| Social Media Monitoring | X | X |
| Solicitation Reduction | X | X |
| Stolen Funds Reimbursement | X | X |
| Two-Factor Authentication | X | X |
| Monthly Rates | Current (2024) | New (2025) |
| Employee Coverage | $ 9.21 | $ 7.50 |
| Family Coverage | $ 18.43 | $ 13.50 |
Enhancements to the current plan are highlighted in yellow.
Takeaways from current plan design are noted in red.
Feature |
UltraSecure + Credit
|
UltraSecure ID Premium
|
| $1M Identity Theft Insurance | X | X |
| 24/7 U.S. Based Customer Support | X | X |
| Ability to gift monitoring to adult (family plan) | 1 Additional Adult | Up to 10 Additional Adults |
| Advanced Fraud Monitoring | X | X |
| Bank Transaction Alerts | X | X |
| Change of Address | X | X |
| Child Watch | X | X |
| Court Records | X | X |
| Credit Card Transaction Alerts | X | X |
| Credit Report & Score | 3B Quarterly | 3B Daily |
| Credit Report Monitoring | 3B | 3B |
| Credit Score Simulator | X | X |
| Credit Score Tracker | X | |
| Dark Web Monitoring | X | X |
| Fraud Alert Reminders | X | X |
| Freeze My Credit | X | X |
| Fully Managed Identity Restoration | X | X |
| Identity Threat Alerts | X | X |
| Investment Account Transaction Alerts | X | X |
| Junk Mail Opt-Out | X | X |
| Lost Wallet Protection | X | X |
| Medical ID Fraud Protection | X | X |
| Medical Identity Theft | X | X |
| Mobile App | X | X |
| Online PC Protection Tools | X | X |
| Payday Loan Monitoring | X | X |
| Restoration for Pre-existing Conditions | X | X |
| Sex Offender Registry Monitoring | X | X |
| Smart SSN Tracker | X | X |
| Social Media Monitoring | X | X |
| Solicitation Reduction | X | X |
| Stolen Funds Reimbursement | X | X |
| Two-Factor Authentication | X | X |
| Monthly Rates | Current (2024) | New (2025) |
| Employee Coverage | $ 15.70 | $ 9.50 |
| Family Coverage | $ 31.39 | $ 17.50 |
Enhancements to the current plan are highlighted in yellow.
Legal Plan - NO NEW ENROLLMENTS - Retiree Direct Bill for coverage
Program and Billing Changes: For those currently enrolled in the Legal Plan, enrollment will no longer be administered through RIT or billed monthly through Lifetime Benefit Solutions.
Retirees currently enrolled in coverage are eligible to continue coverage directly through MetLife Legal Plans (formerly Hyatt Legal). Two new plan options are being offered. Retirees eligible for this coverage will receive information about next steps from the RIT Benefits Office in early December.
View the Comparison of the Legal Standard plan and Premium plan: MetLife Legal Plans Individual Plans
Plan Contacts
Benefit Providers
| Plan | Vendor | Contact info |
| Medical Coverage | Excellus BlueCross BlueShield | 800-724-1675/V and 585-454-2845/TTY |
| Prescription Drug | OptumRx | (855) 209-1300 |
| Prescription Drug | Wegmans | 800-934-6267 (call transferred to local store) |
| Dental | Excellus BlueCross BlueShield | 800-724-1675/V and 585-454-2845/TTY |
| Vision | VSP | 800-877-7195/V and 800-428-4833/TTY |
| Legal Services Plan | MetLife Legal Plans (access code: 570005 | 800-821-6400/V and 800-821-5955/TTY |
| Identity Theft Protection | Identity Force | 877-694-3367 |
| Retiree Billing | Lifetime Benefit Solutions | 800-327-7130 |