About Medicare

ITDR Makes Medicare Easy

The transition to Medicare can be confusing and overwhelming, but you’re not alone.

In 2027, ITDR proudly celebrates 20 years of helping the Delta family navigate Medicare with confidence. Whether you’re approaching Medicare eligibility for the first time or simply want a better understanding of your options, we’re here to help with educational resources, tools, and personalized support every step of the way.

Explore the topics below to learn more about Medicare and make informed healthcare decisions.

When does Medicare coverage start?

Medicare Preparation Timeline

Medicare.gov Log in

Spouses and former 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 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.

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.

To avoid a tax penalty, you should stop contributing to your Health Savings Account (HSA) at least 6 months before you apply for Medicare. Learn more at Health Savings Accounts (HSAs) and Medicare.

Put Your HSA Savings to Use

Once you sign up for Medicare, you can no longer contribute money into your Health Savings Account. However, you are still able to withdraw money tax free to cover eligible medical expenses, Medicare premiums and premiums for Insurance Trust’s health plans. The Insurance Trust cannot provide individual tax advice, members are encouraged to consult with their tax advisor.

Helpful Resources

Your Personal Health Advocate

Insurance Trust Medical Plan members have 24/7 access to a Personal Health Advocate who can help:

Navigate healthcare questions
Understand benefits and coverage
Resolve claims issues
Assist with administrative concerns

Learn More About Your Personal Health Advocate

Questions or concerns about Medicare and the enrollment process?

Call the ITDR Retiree Service Center at 1-877-325-7265, Monday through Friday, 8:30 a.m. to 9:00 p.m. ET.