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Frequently Asked Questions

For Future Members

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, and vision. To find out more, visit these links:

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) 325-7265Option 1 for details.

You are eligible for coverage on or after age 65, as a former employee of Delta Air Lines, Inc., a Delta Subsidiary, or any entity (and its subsidiaries) acquired by, or merged with Delta, regardless of your length of service, as well as your spouse, survivor, or former spouse. Click here for more information on who is eligible.

You can enroll as early as three months before the month in which you turn 65, however your effective date of coverage will be the 1st of the month in which you turn 65. If you turn 65 on the 1st of the month, you become eligible on the 1st of the prior month.

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 cannot become active until your Medicare Parts A & B are in place.

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 start 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.

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.

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. Contact your HSA administrator for detail on how to set up payments from your HSA account.

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.

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.

Spouses, or 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.

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 six (6) months, as well as Travel Assistance Services.

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.

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.

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 creditable coverage. You may incur an increase in premiums. Contact a Personal Health Advocate with questions at (877) 325-7265 , Option 2 .

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.

Yes, you must be enrolled in Medicare Parts A & B to be eligible for the Trust Medical Plan. Your Trust Medical plan will help fill Medicare’s gaps.

Yes, you pay Medicare Part B premium, and pay Insurance Trust Premium separately for your additional medical coverage to help fill Medicare’s gaps.

You may sign up for your Trust coverage, but it can’t become active until your Medicare enrollment is completed.

Yes, former spouses are eligible to enroll. In the event of divorce, the former spouse will be issued their own individual certificate number, upon notice to the administrator.