Frequently Asked Questions – General

You can setup automatic premium reimbursement by completing the WEX Automatic Premium Reimbursement Request Form. Please complete and return the form to WEX as follows:

Mail:  PO Box 2926 ∙ Fargo, ND 58108-2926, or
Email: customerservice@wexhealth.com, or
Fax: 866-451-3245.

Yes, however any premiums deducted from your paycheck must be paid for on an after-tax basis to be eligible for reimbursement from the HRA.

• Payments are due the first of each month. Generally, invoices will be mailed around the 5th of the month. However, the invoice for January will be mailed at a later date in order to allow time for processing of the new plan year enrollment files.

You can make payments with a check, setting up EFT (Electronic Funds Transfer) through Mercer My Account or by setting up a recurring payment through your bank.

You don’t have to join the Caltech retiree medical program. However, if you are a non-grandfathered retiree or spouse, there are rules about when you can join.

• If you have other medical coverage (other than Medicare), you will be able to join the Caltech retiree medical program if that other coverage ends. However, to join the Caltech retiree medical program, you must notify the Caltech Retiree Service Center within 90 days of the date the other coverage ends, and you must provide proof that you have maintained continuous medical coverage (other than Medicare) since January 1, 2015. (Be sure to retain records that prove you have continuous medical coverage, such as annual confirmation statements or premium receipts.)
• If you don’t have other medical coverage and are not in the Caltech retiree medical plan already, you can join the Caltech medical plan during Open Enrollment in 2019. If you retired prior to 1/1/15 and you do not enroll in the Caltech retiree medical program during the 2019 open enrollment period, and you do not have other continuous medical coverage (other than Medicare), you will waive your right to join the Caltech retiree medical program, including an HRA.

If you retired with Caltech medical coverage before January 1, 1991, you are considered a grandfathered retiree.

If you were actively at work on April 1, 1991, and you had at least 10 years of continuous Caltech service, and you met at least one of the following criteria as of April 1, 1991, you may be considered a grandfathered retiree:

1. You were age 55.
2. Your age plus years of service was greater than 72.
3. Your years of service plus three times your age was greater than or equal to 175.

If you are a Medicare-eligible grandfathered retiree age 65 or older, you and your Medicare-eligible spouse will continue to be eligible for a free medical plan.

• The Kaiser HMO Medicare Advantage plan is free.
• Opt out of the free plan option and use your Defined Dollar Credit to choose an Aetna plan.
• Collect your Defined Dollar Credit in an HRA plan. Caltech will use the maximum service credit of 25+ years to calculate your Defined Dollar Credit.