- Retirees
- Benefits for retirees
- Retiree health & home benefits
- Medical plans for retirees
- For retirees: UC coverage and Medicare
-
Split or mixed Medicare families
Split or mixed Medicare families
If you have some family members with Medicare coverage and others not currently eligible for Medicare, you’re considered a split-Medicare family. You and the family members you cover must enroll in plans that work together.
Understanding your options
Some UC non-Medicare medical plans have a Medicare version of the plan; for example, Kaiser Permanente Senior Advantage is the Medicare version of Kaiser HMO. Other UC non-Medicare plans have “partner” plans; for example, UC Medicare PPO is the partner to UC Care and (through 2025) CORE. A split family is not eligible for the UC Health Savings Plan in 2025, or for HealthSavings+ when it replaces UC Health Savings Plan next year.
With both types of plans, you enroll in the non-Medicare version of the plan and your Medicare-enrolled family members need to take the appropriate steps to enroll in the partner Medicare plan.
New for 2026: HealthSavings+ is a new PPO plan for 2026 that is compatible with a tax-advantaged Health Savings Account (HSA). If you’re a CORE or UC Health Savings Plan member and your household includes both Medicare and non-Medicare members, the non-Medicare members will be enrolled in UC Care next year unless you choose another plan during Open Enrollment. Medicare members will remain enrolled in the Medicare PPO plan.
| Non-Medicare family members | Medicare-enrolled family members |
|---|---|
| CORE PPO (2025 only) | UC Medicare PPO |
| UC Blue & Gold HMO | UC Medicare Choice PPO |
| Kaiser HMO | Kaiser Permanente Senior Advantage |
| UC Care | UC Medicare PPO |
| UC Health Savings Plan (2025 only) | No partner plan; non-Medicare family members will need to enroll in another plan |
| New for 2026: HealthSavings+ | No partner plan; non-Medicare family members will need to enroll in another plan |
Enrolling in a Medicare plan
If you or a family member enrolls in a new Medicare plan, you will need to complete an additional form:
- Kaiser Senior Advantage — Complete the Medicare Advantage Enrollment/Election form for Kaiser (UBEN 127 PDF) and mail to the plan and the UC Retirement Administration Service Center.
- UC Medicare Choice — Complete the enrollment form for UC Medicare Choice (UBEN 121 PDF) and mail to the UC Retirement Administration Service Center.
- UC Medicare PPO — Fill out the Navitus (PDP) Enrollment Form for UC Medicare PPO or UC High Option Supplement to Medicare (UBEN 123 PDF) and send it to the UC Retirement Administration Service Center.