You are on the road to a healthier retirement

Emeriti makes it easier to prepare for healthcare in retirement.
GET THE BASICS

Your health and financial well-being in retirement are why we are here

Wherever you are in your career, you can count on Emeriti and TIAA to help you prepare for and manage your healthcare in retirement.
GET THE BASICS

Because things add up as you countdown to retirement

Healthcare is one of the largest expenses you may face in retirement and it could have a significant impact your savings.
Step 1
Medicare Part B premiums and Medicare co-pays, deductibles, and cost shares
Step 2
Insurance premiums, co-pays, deductibles, and cost shares
Step 3
Out-of-pocket expenses not covered by Medicare or insurance
GET THE BASICS

Medicare is not enough

Medicare is viewed as the primary safety net for post-65 retirees, but in reality, Medicare does not cover some existing and many emerging areas of healthcare.  It’s also likely that Medicare will be unable to keep pace with the increasing costs of healthcare.
MEDICARE IS NOT ENOUGH, COVERING ONLY ABOUT 62% OF TOTAL HEALTHCARE COSTS IN RETIREMENT. RETIREES ARE RESPONSIBLE FOR NEARLY 40% OF THEIR HEALTHCARE EXPENSES IN RETIREMENT¹
DEEPER DIVE:  Download A, B, C, Ds of Medicare booklet.   

RETIREMENT HEALTH SAVINGS

Your Emeriti Plan provides triple tax-free investing for a lifetime of care

Your employer will start funding your Emeriti health account at a pre-determined age to help you accumulate savings for healthcare expenses in retirement.  You may also be able to make your own voluntary, after-tax contributions.  In retirement, you and your dependents use the tax-free savings to pay for qualified medical expenses (QMEs).
1
Employer contributions Tax-free employer contributions for participants during active service
2
Investment earnings Tax-free investment earnings for participants
3
Participant reimbursement Tax-free participant reimbursement for qualified medical expenses in retirement
RETIREE HEALTH INSURANCE

Get more complete coverage with our 4-star rated Medicare Advantage plans

You may also have access to group retiree health insurance, underwritten by Aetna Life Insurance Company. Because the plans are designed exclusively for Emeriti, retirees get richer coverage, added benefits, and personalized one-on-one counseling to help you determine what plans are best for you and your dependents.
SUPPORT

Personalized support when you need it most

We are here to help you every step of the way.
Dedicated, toll-free service center and one-on-one counseling
Simplified quarterly statements – including combined statements with TIAA
Dedicated, toll-free service center and one-on-one counseling
Clear, easy-to-understand insurance enrollment kits
Easy-to-navigate, secure benefits  website
Ongoing plan-related information and education

1 National Institute on Aging, Newsroom, Dramatic changes in U.S. highlighted in new census, NIH report, June 26, 2013.