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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 may not be enough

Counting on Medicare to cover the bulk of your healthcare expenses could be a mistake. It’s unlikely that Medicare will keep pace with the increasing costs of healthcare.
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Download ABCDs 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 Aetna's 4-star rated Medicare Advantage plans

You may also have access to group retiree health insurance, underwritten by Aetna Life Insurance Company. Package your medical, prescription drug and dental plans any way that you like, and change plans each year, knowing that you won’t be turned away.
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SUPPORT

Personalized support when you need it most

We are here to help you every step of the way.
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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
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Clear, easy-to-understand insurance enrollment kits
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Easy-to-navigate, secure benefits  website
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Ongoing plan-related information and education
*Source: In 2015, Medicare covered 60% of the cost of healthcare services for Medicare beneficiaries age 65 and older. Employee Benefit Research Institute (EBRI), Issue Brief, 10/18/2018, No. 460, EBRI Issue Brief October 8, 2018.