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Frequently Asked Questions

If you currently have insurance through the Insurance Trust and want to keep your current selections, then you do not need to take any action. Your insurance selections will roll over to the next calendar year, at that new Calendar year’s premiums.

Generally Members will only receive new ID cards when changing plans, or if insurance carriers change.

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.

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.

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

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.

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.

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.

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.

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 may authorize whomever you choose to be your designated individual. Find the phone numbers HERE 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) 325-7265Option 2.