Frequently Asked Questions

Frequently Asked Questions  

Frequently Asked Questions

Frequently Asked Questions


  • What plans do you offer?

    We offer Medicare plans from Anthem Blue Cross Blue Shield that come with a companion prescription drug plan. In addition, we offer ancillary products, like dental, vision, and life insurance. To find out more, visit these links:

  • If I am already enrolled will I receive new ID cards?

    Members should continue to use their current ID cards, unless changing plans. New Members should receive their ID cards within six weeks of their completed enrollment.
  • Can I elect Medical and Prescription Drug coverage separately?

    No, you must elect both Medical and Prescription drug coverage together, unless you are covered by the VA or TRICARE.

    If you are currently receiving your prescription benefits through the VA or TRICARE, you may be eligible to waive the Insurance Trust Plan’s Prescription Drug coverage. Please call the Retiree Service Center at (877) 325-7265, Option 1 for details.

  • When should I enroll in coverage?

    You can enroll as early as three months before the month in which you turn 65. Enrolling 45 to 60 days prior to your birthday month allows enough time to set you up for coverage and for you to receive ID cards for your plan(s). Coverage will become effective no earlier than the first of the month in which you turn 65.

    If you already turned 65 and previously selected another Medicare plan, and have never been enrolled in a plan with the Insurance Trust, you may enroll during the Annual Enrollment Period (October 15th through December 31st). You may also be eligible to enroll outside of annual enrollment if you experience a life event.

    If you’re eligible for Medicare but continue to work for Delta, you should enroll before your retirement date. You must enroll no later than the month your employer group health coverage ends or within eight months of separating from your employer, whichever is sooner.

  • What if I already have my insurance through the Insurance Trust?

    If you currently have insurance through the Insurance Trust and you want to keep your current selections, then you do not need to take any action.
  • What if my spouse and I are both Delta retirees?

    If you and your spouse are both retirees of Delta, you can enroll in coverage separately or as a dependent under your spouse’s policy. If you decide to enroll separately, you will each need to complete an online or printed enrollment form. You do not need to elect the same coverages.
  • What if I am a surviving spouse of a Delta retiree?

    If you are a survivor of a Delta retiree and have existing coverage, be sure to enter the Delta PPR number of the deceased Delta retiree. Please note that you will be viewed as a retiree when enrolling for coverage from the Insurance Trust.
  • What if I am eligible for a Delta subsidy?

    If you are subsidy-eligible, you’ll need to contact the Retiree Service Center at (877) 325-7265, and select Option 1 to determine the amount of your subsidy.

    A premium subsidy from Delta Air Lines may be available to offset medical and prescription drug premiums for retirees, spouses, or survivors, where the Delta retiree’s retirement date was January 1, 2006 or before, and the retiree, spouse, or survivor turned 60 by January 1, 2007.

  • What can I do with my Health Savings Account, or HSA?

    Health Savings Accounts (HSAs) are accounts for individuals with high-deductible health plans. Funds contributed to an HSA are not taxed, as long as they are used to pay for qualified medical expenses.

    When you enroll in Medicare Part A or Part B, you can no longer contribute pre-tax dollars to your HSA. However, you may continue to withdraw money after you enroll in Medicare to pay for health costs like deductibles, copayments, and coinsurance. You can even use your HSA money to pay premiums for health insurance you purchase through the Insurance Trust.

    The Insurance Trust cannot provide tax advice. Members are encouraged to consult their tax advisor.

  • What happens after I enroll?

    After you submit your online or printed enrollment form, you will receive a confirmation of coverage. Once verification of your enrollment has been completed, a welcome packet will be mailed to your primary mailing address. You should receive the packet within 10 to 14 business days.

    If you are turning 65 and enroll for coverage more than 45 days prior to the month you turn 65, your packet will be mailed out closer to your effective date of coverage. After enrollment, coverage will become effective no earlier than the 1st of the month in which you turn 65.

  • What if I had insurance from the Insurance Trust, but I dropped my coverage? Can I re-enroll?

    If you have had medical, dental, or vision coverage in the past, and it terminated, you will only be permitted to re-enroll if you experience special circumstances, such as losing coverage from another group plan.  

    You may also be eligible to re-enroll if your spouse independently becomes eligible and enrolls.

  • Are there different rules for spouses interested in enrolling?

    Spouses age 65+ are eligible to enroll in Medicare and the Insurance Trust Benefit Plans regardless of the Delta employee or retiree’s age or enrollment status.
  • If I reside or travel outside the United States, am I eligible to participate in the Trust plan?

    Like Medicare, the Trust Plan does not cover people living outside the U.S., however the Trust’s Medical Plans provide foreign travel emergency care for U.S. residents traveling outside the U.S. for no more than 90 days, as well as Travel Assistance Services.
  • If I decide not to enroll in this plan now, may I enroll later?

    Yes, however you can only enroll during annual enrollment. You may also be eligible to enroll outside of annual enrollment if you experience a life event.
  • Can I change my Medical, Dental or Vision plan elections during the year?

    Medical, dental, or vision plan elections are made on a calendar year basis. You can change your choice of Medical, Dental or Vision plan options during annual enrollment.
  • Are there penalties for late enrollment?

    The Trust Plan does not impose a penalty for late enrollment. However, Medicare will assess a late enrollment penalty (LEP) if you fail to enroll during your initial Medicare enrollment period and had no other credible coverage. You may incur an increase in premiums. Contact a Personal Health Advocate with questions at (877) 325-7265 , Option 2 .
  • Will my insurance premiums increase based on my age?

    No, the Insurance Trust plans are group plans designed to keep your overall cost down. Age does not affect the cost you pay for coverage.
  • Can I designate an individual, or individuals, the right to access my health information?

    Yes, you may authorize whomever you choose to be your designated individual. Find the phone numbers beginning on page 24 in the Contacts section of this booklet to notify the medical, prescription drug, dental, and vision insurance companies. Due to the legal requirements surrounding confidentiality, each must be handled separately. Contact a Personal Health Advocate with questions or for assistance at (877) 325-7265, Option 2.
Medicare Enrollment Advocate

Medicare Enrollment Advocate