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HPInc re-enrollment rules -- as of Nov 1, 2022

Advice and reference info from members of the independent HP Alumni Association.   

Join the HPAA's Benefits Forum Covers topics such as COBRA and retiree health benefits, annual enrollment, and transition to Medicare.

(Updated Nov 8 2022.) Comments: info@hpalumni.org


The HP/HPE re-enrollment rules are based on a fundamental principle of health insurance -- everyone continuously pays into the overall health insurance system pool when they are healthy. (For example, if you don't sign up for each of the various Medicare elements when first eligible, you pay a late enrollment penalty for years.) 

If you have such a change, contact your Benefits Center ASAP -- or contact the insurance sales agency that you bought the plan from, such as Alight Retiree Health Solutions (formerly Aon Retiree Health Exchange) Alight Retiree Health Solutions contacts  "They couldn't do the surgery because his insurance had been terminated. It took a very long three-way phone call with the Benefits Center and [the carrier] to get his new coverage entered into the system."


From the "2023 Retiree Benefits Enrollment Guide -- For US retirees and spouses/partners participating in the HP Retiree Medical Program."  Retiree medical re-enrollment rules [page 16]

Same wording in the "2023 Retiree Benefits Enrollment Guide -- For US retirees and spouses/partners participating in the Pre-2003 HP Retiree Medical Program or the former Digital Retiree Health Program." [page 16]

https://www.hpalumni.org/EnrollmentGuides

Retiree medical re-enrollment rules

As you consider your choices, keep in mind that if you elect to not
participate in HP retiree medical coverage (or coverage through
Alight Retiree Health Solutions, if you qualify for Medicare), the
following re-enrollment restrictions will apply:

• You will not have an option to re-enroll in retiree medical coverage
(or coverage through Alight Retiree Health Solutions, for Medicare-
eligible individuals) during future annual enrollment periods.
Instead, you will be eligible to re-enroll only within 31 days of
losing coverage under another employer’s group medical plan or
within 60 days of losing coverage purchased from a public health
insurance exchange. Losing coverage under another employer’s
group medical plan could include the loss of your own coverage
through another employer or the loss of coverage under your
spouse’s/partner’s employer’s plan.

• If you die after declining HP coverage, your surviving dependents
will not be eligible to participate in HP benefits following your death.
Only dependents who are covered on the date of death can qualify
to continue HP coverage.

HP’s retiree re-enrollment rules are designed to ensure a broad base
of participation in the HP Retiree Medical Program and help control
premium costs for all retirees.


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