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It explains allowable plan changes, how the “Old Plan” differs from the DDB program, and provides guidance for open enrollment timing and online enrollment steps, followed by vendor Q&A.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/template/","Template",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/template/presentations/","Presentations",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/template/post-65-retiree-benefits-nov-12-2025-presentation/279608/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/post-65-retiree-benefits-nov-12-2025-presentation/279608.png","ImageObject",442,249,{"name":42,"@type":43},"supergirl","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-04","2026-09-16",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",16,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is changing for 2026 medical and prescription drug benefits?","Question",{"text":63,"@type":64},"Defined Dollar Benefit credits remain the same at $401 per month. Medical premiums are expected to increase slightly, while plan designs and copays remain the same; prescription drug plans have slight changes, including medication tier adjustments and an increase in the Medicare prescription out-of-pocket annual maximum from $2000 to $2100.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"How do retirees in the “Old Plan” differ from those in the DDB program?",{"text":68,"@type":64},"“Old Plan” retirees retired prior to the DDB program (July 1, 2004) and continue to share costs for the UPMC National Complementary plan and the Highmark Signature 65 plan. Switching into the DDB plan during open enrollment can create cost savings, with no difference in plans when switching.",{"name":70,"@type":61,"acceptedAnswer":71},"When can post-65 retirees make plan changes and how are they handled?",{"text":72,"@type":64},"Open Enrollment for Post-65 Retirees runs from Nov. 5 through Dec. 3, 2025. During the plan year, changes are allowed with a Qualified Status Change and must be made within 60 days; contact Benefit Management Services (BMS) at 888-499-6885 to make benefit election changes.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},279608,1791733562,{"code":4,"msg":82,"data":83},"success",[84,88,93,98,103,107,112,117,122],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":86,"slug":87},11,90,"presentations",{"id":89,"doc_module":22,"doc_module_name":25,"category_name":90,"show_sort_weight":91,"slug":92},12,"Resumes",80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":55,"doc_module":22,"doc_module_name":25,"category_name":104,"show_sort_weight":105,"slug":106},"Social 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Allowable plan changes and choosing a new plan  \n􀂃 “Old Plan”  \n􀂃 Vendor Presentations  \n􀂃 UPMC  \n􀂃 United Concordia  \n􀂃 The Hartford – Empathy Program  \n􀂃 Osher Lifelong Learning Institute (OLLI)  \n􀂃 Next Steps: Open Enrollment  \n􀂃 Online enrollment  \n􀂃 Resources and Reminders  \n􀂃 Q&A with Vendors  \nSlide 2  \nParticipating Vendors  \nParticipating Vendors  \n􀂃 University of Pittsburgh Benefits Department: Tammy Weaver, Kate Young, and Kim Phillips and Brittany Turley-Frund  \n􀂃 Benefit Management Services (BMS): Terri Thompson  \n􀂃 Davis Vision by MetLife: Bill Thomas  \n􀂃 Highmark: Tyler Quinn  \n􀂃 UPMC: Patsy Maxim, Maggie Ryan  \n􀂃 United Concordia: Rosanna Teramana  \n􀂃 The Hartford: Josh Edgerton  \n􀂃 Special Guest:  \n􀂃 OLLI: Lisa Sharfstein  \nSlide 4  \nBenefits Overview  \nWhat to Expect in 2026  \nBenefits Overview  \n􀂃 Defined Dollar Benefit (DDB) credits:  \n􀂃 Remain the same ($401 per month)  \n􀂃 Medical Plans:  \n􀂃 Slight increase in premiums  \n􀂃 Plan designs and copays remain the same  \n􀂃 Prescription Drug Plans :  \n􀂃 Slight changes  \n􀂃 UPMC plans-Tier 3 and Tier 4 Medications shifting from a copay  \n􀂃 Out-of-Pocket annual maximums for Medicare prescriptions medication increasing from $2000 to $2100  \nSlide 6  \nto coinsurance for covered  \nWhat to Expect in 2026 Benefits Overview  \n􀂃 Dental plan:  \n􀂃 Small increase in premium with a few enhancements to the dental plan  \n􀂃 From $21.07/month to $22.87/month  \n􀂃 Vision plan:  \n􀂃 No increase in premium cost/plan design  \n􀂃 Rate will remain at $7.98/month  \nSame plan design-same exam, Frame, Lense, Contact Lense allowance  \n􀂃 More info at:  \n[hr.pitt.edu/post-65-dental-vision](hr.pitt.edu/post-65-dental-vision)  \nSlide 7  \n2026 Medical Plan Premiums Benefits Overview  \n2026 Medical Plan Premiums | Benefits Overview  \nSlide 8  \n| University Sponsored Retiree Medical Plan | Total Premium for Each Person Covered | DDB Plan University Provided DDB Credit | DDB Plan Retiree\u003Cbr>Responsibility | DDB Plan\u003Cbr>Unused Balance/Accrual | “Old Plan”University Contribution | “Old Plan”Retiree\u003Cbr>Responsibility |\n| --- | --- | --- | --- | --- | --- | --- |\n| UPMC for Life HMO | \u003Cbr>$258.00 | $401.00 | $0.00 | $143.00 | $258.00 | $0.00 |\n| UPMC for Life PPO – Standard | $314.00 | $401.00 | $0.00 | $87.00 | $314.00 | $0.00 |\n| UPMC for Life PPO – Basic | $271.00 | $401.00 | $0.00 | $130.00 | $271.00 | $0.00 |\n| UPMC Health Plan National Complementary Plan | $412.00 | $401.00 | $11.00 | $0.00 | $267.80 | $144.20 |\n| Highmark Freedom Blue PPO – Standard | $309.00 | $401.00 | $0.00 | $92.00 | $309.00 | $0.00 |\n| Highmark Signature 65 | $440.58\u003Cbr>| $401.00 | $39.58 | $ 0.00 | $286.38 | $154.20 |\n\nFor Retirees in the “Old Plan”  \nBenefits Overview  \n􀂃 “Old Plan”: Retirees who retired prior to the DDB program (July 1, 2004)  \n􀂃 Retirees continue to have responsibility for a cost-share for the UPMC National Complementary plan and the Highmark Signature 65 plan  \n􀂃 There would be a cost-savings if the retiree switches into the DDB Plan during open enrollment  \n􀂃 There is no difference in these plans when you switch  \n􀂃 To switch from the “Old Plan” to the DDB plan, select “DDB program” on your OE election form or contact BMS for assistance at 888-499-6885  \nSlide 9  \nWhen Can I Make Changes to My Plan?  \nBenefits Overview  \n􀂃 Open Enrollment for Post-65 Retirees: Nov. 5 through Dec . 3, 2025  \n􀂃 You can make changes to your benefits during the plan year if you experience a life event (Qualified Status Change), such as:  \n􀂃 Addition of a spouse/domestic partner due to a loss of employer coverage  \n􀂃 Removing a spouse/domestic partner due to divorce or death  \n􀂃 Change in permanent residency  \n􀂃 Note: Enrollment changes need to be made within 60 days of the Qualified Status Change; contact","cbCailY5Rh1hAZjz","https://ap.wps.com/l/cbCailY5Rh1hAZjz","pdf",8197699,47,"English","# Agenda\n## What to expect in 2026-Medical/Dental/Rx\n## Allowable plan changes and choosing a new plan\n## Next Steps: Open Enrollment\n## Online enrollment\n## Resources and Reminders\n## Q&A with Vendors","[{\"question\":\"What is changing for 2026 medical and prescription drug benefits?\",\"answer\":\"Defined Dollar Benefit credits remain the same at $401 per month. Medical premiums are expected to increase slightly, while plan designs and copays remain the same; prescription drug plans have slight changes, including medication tier adjustments and an increase in the Medicare prescription out-of-pocket annual maximum from $2000 to $2100.\"},{\"question\":\"How do retirees in the “Old Plan” differ from those in the DDB program?\",\"answer\":\"“Old Plan” retirees retired prior to the DDB program (July 1, 2004) and continue to share costs for the UPMC National Complementary plan and the Highmark Signature 65 plan. Switching into the DDB plan during open enrollment can create cost savings, with no difference in plans when switching.\"},{\"question\":\"When can post-65 retirees make plan changes and how are they handled?\",\"answer\":\"Open Enrollment for Post-65 Retirees runs from Nov. 5 through Dec. 3, 2025. During the plan year, changes are allowed with a Qualified Status Change and must be made within 60 days; contact Benefit Management Services (BMS) at 888-499-6885 to make benefit election changes.\"}]","Post-65 Retiree Benefits - Nov. 12, 2025 - Presentation | PDF",1789524115]