VSTRS Group Health Insurance

 

VSTRS Retirees and Beneficiaries meeting certain eligibility criteria may receive group medical insurance through VSTRS after retirement.  Eligibility information and details can be found here.

To learn more about upcoming changes in health benefit plans, please scroll down on this page.

2022 Open Enrollment

Current Health Benefit Plans

Currently, VSTRS purchases health insurance from the Vermont Education Health Initiative (VEHI), which works with BlueCross BlueShield of Vermont to administer the plans.  There are three coverage options for members with Medicare and three options for members without Medicare. 

For members without Medicare, the options are:

  • Vermont Health Partnership Plan (VHP)
  • Comprehensive Plan
  • JY Plan

For members with Medicare, the options are:

  • Comprehensive Plan
  • JY Plan
  • VSTRS 65 Plan

If you would like to learn more about the current plans, please see the Member Booklet here, and the current prescription drug formulary here

To find the current single, two-person, and family rates for these plans, please click on this link.

Upcoming Changes effective January 1, 2022

Beginning January 1, 2022, VSTRS retirees with Medicare Part A and Part B will be moved to an analogous Medicare Advantage Plan to be administered by Vermont Blue Advantage PPO (VBA).  To learn more about VBA and the new plans, please visit the VBA’s VSTRS website here.

These Plans have been custom built to closely match the benefits currently provided to Medicare-eligible retirees and provide significant enhancements (including new vision and hearing benefit) at reduced premium.

IMPORTANT NOTE FOR MEMBERS IN THE MEDICAL-ONLY VSTRS 65 PLAN

We have recently learned that federal regulations currently prohibit you from being enrolled in a medical-only Medicare Advantage Plan like VBA's VSTRS 65 and an individual Part D Plan at the same time. Therefore, if you are enrolled in the VSTRS 65 plan and have an individual Part D plan, we will not proceed with the transition at this time. We have made arrangements for you to continue your existing coverage with VEHI without interruption. Please see this link for additional details. 

If you are currently in the VSTRS 65 Plan and do not have an individual Part D Plan, you will continue with the transition to VBA's VSTRS 65 Plan, as planned. Please see this link for additional details. 

So what does the transition to VBA mean for you?

For members without Medicare:

  • There will be no change. 
  • Your health insurance will continue to be provided through VEHI and BCBSVT, and you will be able to make changes to your coverage annually in the fall.
  • Your rates will not change until July 1, 2022.

For members with Medicare, here is what to expect:

  • You will continue to be covered through VEHI and BCBS through December 31, 2021, at the rates currently in place.
  • For members in the Comprehensive Plan, JY Plan, and those members in the VSTRS 65 Plan without an individual Part D plan, assuming you take no action, you will be automatically enrolled in the analogous VBA plan, effective January 1, 2022. 
    • The rates you will pay January 1, 2022, will be substantially reduced, and they can be found here: Premiums for VSTRS retirees with Medicare effective January 1, 2022
    • Coverage details can be found here.
    • The new prescription drug formulary can be found here.
    • Generally speaking, your coverage will stay the same, with some minor changes and many significant enhancements. A high-level chart showing these changes can be found here.
  • For members in the VSTRS 65 Plan with an individual Part D plan, assuming you take no action, you will remain the same VSTRS 65 Plan through VEHI that you have right now.
  • If you would like to make a change in your coverage, or opt out, you must complete the corresponding form in the enrollment kit and return it to the Retirement Division. The complete form can be scanned and emailed to TRE.RetirementBenefitPayroll@vermont.gov, faxed to 1-802-828-5182 or mailed to The State of Vermont Retirement Division, 109 State Street, Montpelier, VT 05609.
  • If you would like additional information:
    • Please see answers to these Frequently Asked Questions.
    • Please take some time to review one of the VBA webinars held late summer here.
    • Please feel free to call VBA’s transition support team at 1-800-344-6690, Monday through Friday, 7 a.m. to 4:30 pm., Eastern time. TTY users call 1-800-535-2227.
    • Please feel free to call the Retirement Division at (802) 828-2305 or email Tre.retirementoffice@vermont.gov, Monday through Friday, 7:45 a.m. to 4:30 p.m., Eastern time. TTY users call 711.

 

Vermont Blue Advantage is a PPO plan with a Medicare contract. Enrollment in Vermont Blue Advantage depends on contract renewal.

H6898_VSTRSGrpWbpg1_M FVNR 1221 

Contact Us

Office of the State Treasurer
109 State Street
Montpelier, Vermont 05609
Main Phone: (802) 828-2301
Toll Free: (800) 642-3191

PUBLIC INFORMATION REQUESTS TO:

Ashlynn Doyon at treasurers.office@vermont.gov

Click Here - For Public Records Database

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