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ORRCC Retiree Healthcare Exchange Information

Continuing in 2025, eligible Post-Age 65 retirees and eligible spouses will receive their healthcare coverage through an exchange program. The Oak Ridge Reservation Cleanup Contract (ORRCC) Retiree Healthcare Exchange (RHE), options, and stipend process will remain in effect for 2025. The annual employer-paid stipend amount for 2025 is $2,784.

An annual employer paid tax free stipend, payable through a Retiree Reimbursement Arrangement (RRA), will be made available to eligible retirees and eligible spouses to help offset the cost “incurred in claims” of the healthcare coverage elected. If you are an eligible retiree, you may sign up for the ORRCC RHE program during the applicable benefits annual open enrollment period or Qualifying Life Event (QLE). However, you must elect the healthcare exchange coverage through the ORRCC RHE program in order to receive the stipend.

An eligible retiree must be enrolled in the ORRCC medical coverage in order for eligible spouse to enroll in Pre-Age 65 or Post-Age 65 retiree medical coverage (this does not apply to surviving spouse).

Eligible retirees or spouses aged 65 or older must enroll in medical coverage under the ORRCC RHE program. Spouses aged 65 or older cannot enroll in the Pre-Age 65 Retiree Medical Plan as a dependent under the Retiree.

REMINDER: On January 1, 2023, UCOR implemented changes to the RRA stipend process by transitioning from the full rollover RRA balance to a different rollover method using a $5,000 fixed-amount approach, along with a 90-day runout period from end of calendar year.

Example: A participant has a $6,000 balance at the end of 2024. UCOR will allow a maximum of $5,000 to roll year over year. On January 1, 2025, $5,000 will roll forward, plus the retiree will receive the 2025 subsidy of $2,784. Their available balance for 2025 spending would be $7,736. The remaining $1,000 from 2024 must be spent down during the 2024run out period against the 2024 plan or it will be forfeited (must be submitted by March 31, 2025).

A run-out period is a timeframe in the new plan year during which you can file claims for expenses incurred in the previous plan year. You must file these claims directly through your ORRCC/UCOR contact.

Retiree Reimbursement Accounts Login

New Pre-Age 65 Medical Carrier for CY 2025

For Pre-Age 65 Retirees and eligible spouses/dependents starting January 1, 2025, Aetna will be replaced by Blue Cross Blue Shield of Tennessee (BCBST) as the medical plan carrier. You will have the ability to make changes to your upcoming 2025 coverage during UCOR’s Annual Enrollment period October 28, through November 8, 2024. If you do not make any changes during Annual Enrollment your current coverages will automatically roll over into the BCBST plan arrangements.

Eligibility Effective Date of Coverage

For Pre-Age 65 Retirees who turn 65 after December 31, 2024, the coverage under the Pre-Age 65 Retiree Medical Benefit Plan (Blue Cross Blue Shield of TN )  will end on the last day of the month prior to which he or she attains age 65.

Example: Your 65th birthday is October 16th; you will have Pre-Age 65 coverage through the end of September.

Thus, the retiree will become eligible to enroll in the Post-Age 65 RHE program with UnitedHealthcare providing Medicare-related medical benefits, effective the first day of their 65th birthday month.

The eligible retiree must request coverage under the ORRCC RHE program within sixty (60) days after the date of eligibility, make any required contributions for coverage, and be enrolled in Medicare Parts A and B.

Additional information regarding the ORRCC RHE program will be posted to this web site as information becomes available.

If you have retired from K-25 prior to April of 1998 please contact the One Call Service Center (Y-12 Benefits) at 865-574-1500. Or email Y-12 at: Benefits@y12.doe.gov

Post-Age 65 Retiree Information

Retiree Contact Information

United Healthcare

For Post Age 65 Retiree Medical

(866) 868-0605

Optum

Manages RRA Stipend for Retirees

(877) 298-2305

ORRCC/UCOR

Retiree Benefits/Pension Contact

Stephanie Strickland

(865) 241-0573

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