How Emeriti Works in Retirement

How Emeriti Works in Retirement

Medicare is the primary medical benefit program for retirees age 65 and over. Medicare provides an excellent foundation for the health care coverage needs of retirees, and it is important that you enroll as soon as you become eligible.

Unfortunately, there are many health expenses that Medicare doesn’t cover completely, and others, such as vision, dental and hearing services, and long term care, where it provides no benefit.

Generally, Medicare is estimated to cover only about 62% of your health care expenses in retirement. The good news is, Emeriti provides retiree insurance for you and your eligible dependents.

When Can You Enroll In Emeriti Health Insurance?

You can enroll when you meet your institution’s retirement eligibility for the Emeriti Plan, and after enrolling in Medicare Parts A and B.

Who is eligible for Emeriti insurance?

  1. You
  2. Your spouse (pre- or post-65)
  3. Same sex and opposite sex domestic partner (pre- or post-65), depending on your institution’s plan
  4. Dependent children (to age 26)
  5. Permanently disabled children  (Determination of permanent disability also confers access to post-65 insurance for these individuals. Disability must occur before majority.)


What are your next steps?

  1. Contact Social Security 3 months prior to your retirement date to enroll in Medicare Parts A and B.
  2. Inform your benefits administrator about your retirement decision.
  3. Call the Emeriti Service Center at 1.866.EMERITI (1.866.363.7484) to receive your insurance enrollment kit in the mail.
  4. When you’re ready to enroll, call the Emeriti Service Center or enroll online at