AlightRHS does not represent all available Medicare plans. AARP/UHC plans are not on the AlightRHS website, but -- as indicated on the website -- they are available by request.
Kaiser is not available through AlightRHS.
As with any insurance sales agency, carriers and HMOs pay AlightRHS for selling and renewing
policies. AlightRHS Benefits Advisors receive sales commissions for plans they place in your cart.
Re-enrollment rules: "...if you elect to not participate in HP
retiree medical coverage (or coverage through Alight Retiree
Health Solutions, if you qualify for Medicare)... you will not
have an option to re-enroll in retiree medical coverage (or
coverage through Alight Retiree Health Solutions...) 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." --HP
(Alight Retiree Health Solutions -- formerly Aon Retiree Health Exchange -- is a separate company from Alight Benefits Administration, which runs the HP Benefits Center.)
If you qualify, an individual Medicare plan may be subsidized by
the company via an RRA or RMSA -- but only if you purchase it
through AlightRHS. This is implied -- but not explicitly stated
-- in the Enrollment Guide.
Plans and pricing:
- Premiums are based on the competitive market. They reflect the
underlying cost of care across all the customers of a particular
Whether a given
brokerage, such as AlightRHS, carries a particular plan is between
the brokerage and the insurance carrier. Some carriers, such
as Kaiser, do not use sales agencies. (BTW, as far as we can
tell, HP/HPE do not directly pay anything to AlightRHS.)
- There are government specifications for open-market Advantage
and Supplemental plans. A carrier may add additional features,
but can't change the required basic coverage. (A common add-on
is a limited membership at a gym looking to sell upgraded
memberships. Even before the pandemic, the directory often
included gyms that had gone out of business.)
How the payments work:
The payment process for open-market plans ensures that your
subsidy is not reported to the IRS as taxable compensation.
- You pay list price directly to the carrier or HMO.
- If on the Pre-2003 program, you are reimbursed via a special HP
"Retiree Reimbursement Account." (The RRA has no connection with
any other account that you might have, such as a Health Savings
Account, or the Medicare A and B premiums you pay via Social
Security deductions or direct payments.)
- If on the current Retiree Medical Program, you are potentially
reimbursed via your HP Retiree Medical Savings Account (RMSA.)
- As with any insurance sales agency, carriers and HMOs pay AlightRHS for selling and renewing
policies -- a sales
commission for the initial sale and a monthly admin fee.
- AlightRHS Benefits Advisors, who hold an insurance sales license in your state, receive commissions for plans they place in your cart.
Benefits account settings:
- On your HP/HPE Benefits account, select "Alight Retiree Health
Solution $0.00" as your plan -- instead of the default company
group plan and price. This will cause the Benefits Center to
notify Alight. (It says "$0.00" because you pay the carrier
- The plan or plans you bought are specified on your AlightRHS
account -- but are irrelevant to the company, and therefore not
indicated on your HP/HPE Benefits account.
Go thorough your cover letter:
- HP's personalized
Pre-2003 Program enrollment cover letter
for 2023 says: "As a qualified retiree, you are eligible for HP
funding to a Retiree Reimbursement Account (RRA) instead of HP
subsidizing your retiree medical premiums directly. If you
enroll in coverage through the [sic]
Alight Retiree Health Solutions, HP
will fund an RRA... RRA allocations from HP are not available if
you purchase an individual insurance option from sources other
Typical Enrollment Letter
There is similar
wording in the Retiree Medical Program cover letter
The HPAA has an informal escalation path into AlightRHS management.
Member tips on working with Alight Retiree Health Solutions
How to explore the AlightRHS alternative
- online before you call.
The HP and HPE enrollment deadlines are much earlier than
the Dec 7, 2022 national Medicare deadline
to adjust your coverage for the next calendar year. (The
national deadline does not apply if you have qualified life
event during the year -- such as starting Medicare.)
If you won't be able to resolve your Medicare situation
by the HP/HPE enrollment deadline -- for example, because
you can't get an AlightRHS advisor appointment in time, or you have
an application pending for an individual Medicare plan
through AlightRHS -- HP and HPE recommend that you enroll in
the best HP/HPE plan now and change
later if necessary.
There is a
confirmation and mop-up cycle after the stated HP/HPE deadline.
However, members report that changes made too far after the
original deadline may not be in place at your providers by
HPInc: "You must
make corrections by December 16, 2022, at 6 p.m. Pacific Time (8
p.m. Central Time). After that date, you won’t be able to make
changes for 2023 unless you experience a qualified status change
and call the HP Benefits Center within 60 days."
--HP Enrollment Guides.
HPE: " If you need to correct your elections, notify the HPE
Benefits Center before December 31, 2022."
--HPE Enrollment Guide
You can change back to an HP/HPE group plan from
individual coverage, as indicated in your
Annual Enrollment Guide.
If you have a problem, contact the insurance
agency you purchased from. In the case of AlightRHS, contact your Advisor. If
the Advisor can't resolve your problem, they
escalate it to AlightRHS' special group of Advocates.
(Because your are buying an open-market
policy via the agency , the company -- HP or HPE -- is
out of the picture -- except for providing the
subsidy.) Contact the Benefits Center if there are
problems with the subsidy payments.
Troubleshooting and contacts