If you or a family member become eligible for Medicare in 2021

If you continue working at UC past age 65 and you have a UC-sponsored employee medical plan, you are not required to sign up for Medicare Parts A, B or D. Any family member covered by your employee plan, with the exception of your domestic partner in some cases, who becomes eligible for Medicare may also defer signing up for Medicare. Domestic partners covered by a UC medical plan are advised to contact the SSA to determine if they are eligible to defer enrollment into Medicare without incurring a penalty. They may be able to defer signing up for Medicare under their employer plan.

If you and/or any covered family members lose eligibility for the UC-sponsored employee plan, you and/or your Medicare-eligible family members should immediately enroll in Medicare or another employer group health plan to avoid any penalties from the Centers for Medicare and Medicaid Services (CMS).


If you plan to retire in 2021 and take a monthly retirement benefit, are eligible for retiree health insurance and expect to enroll in Medicare during the year, think carefully about the UC medical plan you choose during Open Enrollment. The choice you make will affect which Medicare plan you’re transferred into when you turn 65. Consider whether the Medicare version of your current medical plan offers the benefits you may want and whether your primary care physician (PCP) or primary medical group (PMG) accepts Medicare. If not, Open Enrollment is the time to change plans.

Unless you are enrolled in UC Health Savings Plan (which doesn’t have a corresponding Medicare plan), you can’t change plans mid-year simply because you have become eligible for Medicare or have elected to retire.

If enrolled in You'll transfer to this Medicare plan (when/if eligible)
CORE/UC Care  UC Medicare PPO
Kaiser Permanente Kaiser Permanente Senior Advantage
UC Blue & Gold HMO UC Medicare Choice
UC Health Savings Plan Period of Initial Eligibility (PIE) to enroll in UC-sponsored Medicare plans in your service area

If you’re a current retiree (or will retire before the next Open Enrollment) and are enrolled in UC Health Savings Plan, which doesn't have a corresponding Medicare plan, you have a 31-day Period of Initial Eligibility (PIE) when you turn 65 to enroll in any of the UC-sponsored Medicare plans in your service area:

  • Kaiser Permanente Senior Advantage
  • UC Medicare Choice
  • UC Medicare PPO
  • UC Medicare PPO without Prescription Drugs (you are eligible to enroll in this plan if you have a creditable prescription drug plan outside of UC; you may be asked for proof of enrollment)
  • UC High Option Supplement to Medicare (you are eligible to enroll in this plan if you and all your covered family members are enrolled in Medicare)

If you did not pay into Social Security or paid less than 40 quarters (10 years of full-time employment), you may not be eligible for Medicare and will remain in your non-Medicare plan as a retiree. You must send UC a Medicare denial letter before you turn 65 to continue your UC coverage and to avoid any penalties (currently $419.60/month). Contact Social Security to request this letter and to see if you may be eligible for Medicare under a spouse, former spouse or deceased spouse.

Read the Medicare Factsheet for more information.

UC’s Medicare-coordinated plans

Select from the links below to view plan information, plan documents and plan websites for UC’s Medicare-coordinated plans.