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Insurance Menu (Updated Feb 23, 2020.)  Questions or comments to: info@hpalumni.org  

Health coverage

US Health Insurance - from company or otherwise. The roles played by the Benefits Centers and each of their many providers. How to escalate. Official and unofficial contact directories. Troubleshoot and compare notes. Dental. If transitioning to Medicare soon, you have a lot of homework to do!

Non-health-related insurance programs

Death benefit

HP formerly had a $5,000 employee/retiree death benefit. The amount had not changed in decades -- and was seldom collected because heirs did not know about it. HP shut down the program in 2010, as did Agilent.

Company subsidized

For a limited time, you may have had the option to continue certain portable company-subsidized insurance plans -- typically Life and Accident -- at your own expense -- after you left the company.

Reference info: Check your termination paperwork and the very helpful official "leaving" site for your company -- both accessible outside company firewalls:
"Leaving/Retiring from HP" https://www.leavinghpinc.com   (Official HP site: password no longer required.)
"Leaving Hewlett Packard Enterprise" https://www.leavinghpe.com   (Official HPE site: login=leaving   password=HPE (both case-sensitive)

The company is no longer a party to the transactions. You are billed directly. To resolve any issues, you must contact the insurance company.

November 2019 letter from HPInc Benefits to HP Cigna Group Universal Life (GUL) insurance customers: GUL Premiums  Key points: "Despite terminating our GUL program in 2002, we have continued to work with Cigna to keep premiums as low as possible for former employees who elected to continue GUL coverage directly with CIGNA. ...claims payments for the HP population have far exceeded premiums. ...we are limited in our ability to influence reductions to the increase given that we no longer sponsor the GUL program... ...market review confirmed Cigna's increase projections, but we were able to persuade Cigna to apply the increase in phases. ...50% of the increase will take effect January 1, 2020, and an additional increase of approximately 8% will take effect each year for the next five years. Additional increases are possible based on claims experience... your individual premiums may also increase based on your age."

AARP article:  What to do about life insurance when you get older?  (AARP membership not required.)

Before renewing, be sure you compare features in detail with plans available online directly from the same insurance company or through other sources -- such as knowledgeable local agents -- or AAA, AARP, Costco, credit unions, professional organizations like ACM or IEEE, and other organizations you are affiliated with.

Insurance discount programs (not company-subsidized)

Various types of insurance -- such as Auto, Home, Long-Term Care, and Legal plans -- have been marketed by third parties to employees and retirees using company facilities, employee-benefits communication channels, and company payroll deductions. Insurance companies set up these marketing programs with employers to reduce advertising expense and eliminate sales commissions to local agents.

These are not company-subsidized benefits and are not related to the company's corporate volume purchasing. The company never made any contribution to the cost of the plans and was not a party to the transactions. You are billed via payroll deduction or directly. To resolve any issues, you must contact the insurance company. Be sure you have a copy of the actual insurance policy in your files.

Before renewing, be sure you compare features in detail with plans available online directly from the same insurance company or through other sources -- such as knowledgeable local agents -- or AAA, AARP, Costco, credit unions, professional organizations like ACM or IEEE, and other organizations you are affiliated with.

Group legal services

Member feedback from HPAA Benefits Forum discussions: https://www.hpalumni.org/GroupLegal


For more mutual help on this topic and many others, join the independent HP Alumni Association. If you were formerly a regular, direct employee of HP or HPE -- or are in the process of leaving -- join HPAlumni via email. Transition, Benefits, and Finance forums. No charge, thanks to HPAA members.


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