• Skip to main content
  • Skip to main navigation
Baylor University
Human Resources
  • Careers & Opportunities
    • Research & Learn
      • Staff Job Descriptions
      • whyBaylor
    • Apply & Interview
      • Faculty Application Process
      • Staff Application Process
      • Veteran Resources for Interviewing
    • New Faculty and Staff
      • Welcome & Orientation
      • Steps for New Faculty
      • Steps for New Staff
      • New Employee Forms
      • Employment Forms by State
    • Transition & Exit
      • Exiting Faculty
      • Exiting Staff
    • Contingent Workers (Auxiliaries)
    • Other Campus Employment
      • Summer Camp Employment
    • Additional Resources
  • Benefits & Advantages
    • My Benefits
      • Veteran Resources
    • Baylor Wellbeing
    • Enrollment
      • Benefitfocus Information
      • Benefitfocus Login
      • 2024 Benefits Open Enrollment
    • Retirement
      • Investing in Your Retirement
      • Preparing for Your Retirement
      • Enjoying Your Retirement
      • Retiree Advantages
      • Retiree Benefits Overview
    • Compensation
    • Insurance Offerings
      • Medical Insurance Plans
      • Prescription Drug Plan
      • Dental Insurance Plan
      • Vision Insurance Plan
      • Employer Provided Insurances
      • Retiree Insurance Details
      • Continuation of Insurance Coverage
      • Voluntary Supplemental Insurances
      • Temporary Full-Time Lecturer Benefit Election Info
    • Employee Recognition
      • 2023 Baylor Faculty & Staff Appreciation Night
      • Fall Staff Meeting - September 18, 2023
      • Staff Awards
    • Tuition Remission
    • Time Off & Leave Policies
      • Family and Medical Leave Act (FMLA)
      • Maternity and Primary Caregiver Leave
      • Paid Caregiver Leave
      • Paid Parental Leave
      • Timecards During University Closures
    • Employee & Family Resources
      • Adoption Assistance Program
      • Crisis Resources
      • Care.com
      • Dual Career Assistance
      • Educational Assistance
      • Employee Assistance Program (EAP)
      • Expectant & New Parents
      • Progyny
      • Surviving Spouse Benefits
    • Accommodations
      • Americans With Disabilities Act (ADA)
      • Lactation Accommodation
      • Texas Mother-Friendly Worksite
    • Baylor Advantages
      • Athletic Tickets
      • Baylor Bookstore
      • Baby Bear Program
      • Baylor Club at McLane Stadium
      • Baylor Theatre
      • Baylor Wellbeing
      • BearStand
      • Campus Dining Offerings
      • Campus recreation
      • Credit Union
      • Dell Store
      • Employee Assistance Program
      • Game Room
      • Waco Perks
      • Health Center
      • Martin Museum of Art
      • Massage Therapy
      • Mayborn Museum Complex
      • Parking
      • Personal Cell Phone Discounts
      • Real Appeal
      • School of Music
      • University Libraries
      • Vanguard Prep School Scholarship
    • Benefit Forms
    • Benefitfocus Login
  • Manage & Lead
    • Getting Started
      • Core Commitments
      • Leadership Commitments
    • Management Toolkits & Guides
      • Exempt vs. Non-exempt
      • Faculty Performance Process
      • How to Approve Timecards in Ignite
      • Managing Performance Year-Round
      • One on One Resources
      • Performance Helpers
      • Performance Improvement Plan
      • Performance Review Process - Manager Guide
      • Recruiting and Hiring Staff
      • Second-Level Managers: What are they and what do they do?
    • Staff Performance Review Process
    • Hybrid/Remote Work Resources
      • Manager Tools for Remote Work
      • Managing Alternative Work Arrangements
      • Practical Tips for Managing Remote Workers
      • Practical Tips for Working at Home
      • Professional & Leadership Development when Working Remote
      • Video Meeting Tips
    • Additional Resources
      • Academic Administrative Resource Center
      • Sabbaticals, Research Leaves, and Grants
      • System Instructions & Access Questions
      • Tuition & Teaching
  • Learn & Grow
    • Courses
      • Available Course Listings
      • Course Creation
      • Lifelong Learning Program
      • Continuing Education Program
    • Career Tools
      • Academy for Teaching and Learning (ATL)
      • Ignite Learn
      • Faculty Development
      • Individual Development Plan
      • LinkedIn Learning
      • RightNow Media @ Work
      • University Calendar
    • Educational Assistance
      • Tuition Remission
      • Tuition Reimbursement
    • LinkedIn Learning
    • Professional Wellbeing
  • Contacts & Resources
    • Engage with HR Contacts
      • askHR
      • HRC - Human Resources Consultants
      • Faculty Senate and Staff Council
      • Office of the Provost
      • Baylor Organizational Chart
      • Baylor Round Table
    • ERG - Employee Resource Groups
      • Asian American & Pacific Islander Faculty & Staff Association (AAPIFSA)
      • Black Faculty & Staff Association (BFSA)
      • Jewish Faculty & Staff Association (JFSA)
      • Latinx Faculty & Staff Association (LFSA)
      • Military-Connected Faculty & Staff Association (MCFSA)
    • Hybrid/Remote Work Resources
    • Policies & Postings
      • Fraud alert: Unemployment Claims and Identity Theft
      • Required Annual Notices
      • State Employment Law Postings
    • Workplace Concerns and Disclosures
    • Giving
    • Additional HR Resources
  • About
  • Ignite
  • 2024 Benefits Enrollment
    • 2024 Benefits Guide
    • 2024 On Demand Benefits Webinar
    • 2024 Open Enrollment Information Sessions
    • Benefitfocus Login
    • Benefits Open Enrollment FAQs
    • Benefit Wallet HSA Transfer to HSA Bank
    • What's New for 2024
Baylor BU Human Resources Benefits & Advantages Retirement Preparing for Your Retirement Retiree Insurance Details
  • My Benefits
  • Baylor Wellbeing
  • Enrollment
  • Retirement
    • Investing in Your Retirement
    • Preparing for Your Retirement
      • Faculty Retirement Planning Program
      • Retiree Insurance Details
        • Health Reimbursement Account (HRA)
        • Medicare Basic Information
      • Staff Voluntary Retirement Incentive Program
      • Retiring Process Checklist
    • Enjoying Your Retirement
    • Retiree Advantages
    • Retiree Benefits Overview
  • Compensation
  • Insurance Offerings
  • Employee Recognition
  • Tuition Remission
  • Time Off & Leave Policies
  • Employee & Family Resources
  • Accommodations
  • Baylor Advantages
  • Benefit Forms
  • Benefitfocus Login

Retiree Insurance Details

Medical Insurance

The university partners with Via Benefits to provide guidance to retirees to choose a Marketplace Medical Plan or Medicare Medical Supplement/Prescription Plan. As an eligible retiree (Retiree I/Grandfathered Retiree I), you will receive funding sponsored by Baylor University and administered by Via Benefits to help reimburse you for eligible premiums or out-of-pocket expenses.

Via Benefits

Baylor University funds a Health Reimbursement Account (HRA).

Health Reimbursement Account (HRA)

For pre-age 65 retirees, the Baylor funding will be based on your coverage tier:

Defined Contribution Monthly Equivalent Annual Amount
Retiree Only $220 $2,640
Retiree + Spouse $440 $5,280
Retiree, Spouse, and Child(ren) $660 $7,920

The HRA will be fully funded in January of each year. Pre-age 65 Retirees may request reimbursement for any eligible expense. Example: Insurance premiums and qualified medical, dental and vision expenses.

When the retiree reaches age 65, the following benefit will apply.

For post-age 65 retirees:

Defined Contribution Monthly Equivalent Annual Amount
Retiree I $220 $2,640
*Grandfathered Retiree I $325 $3,900

*Grandfathered retirees receive additional funding to offset the cost of Medicare Part B. This additional funding is $1,260 for a total of $3,900 each year.

The HRA will be fully funded in January of each year. Post-age 65 Retirees may request reimbursement for any eligible expense. Example: Medicare supplement or advantage plan premiums and qualified medical, dental and vision expenses.

Dental Insurance

Baylor University offers a Cigna DPPO plan through 12/31/2023.  Beginning 1/1/2024, the dental plan will be administered through UnitedHealthcare Dental PPO.  Active enrollment in the dental plan as an employee prior to the retirement date is required. Eligible retirees and their dependents may continue to be covered under their dental plan at retirement. Retirees do not have an open enrollment period.

If you as the retiree choose to cancel your retiree dental plan, this is a permanent decision without an option to re-enroll at a future date.

For details on coverage use the button below.

Retiree Dental Insurance Option

Vision Insurance

Baylor University offers a EyeMed plan. Active enrollment in the vision plan as an employee prior to the retirement date is required. Eligible retirees and their dependents may continue to be covered under their vision plan at retirement. Retirees do not have an open enrollment period.

If you as the retiree choose to cancel your retiree vision plan, this is a permanent decision without an option to re-enroll at a future date.

For details on coverage use the button below.

Retiree Vision Insurance Option

Term Life Insurance

The university and the life insurance vendor offer opportunities for retirees to continue some form of life insurance.

All retirees may convert your current employee term life policy or supplemental term life policy to a whole life policy on an individual basis with the carrier, Blue Cross Blue Shield. All Grandfathered retirees and Retiree I classifications have the option to purchase a $5,000 or $10,000 supplemental retiree term life insurance plan with a monthly cost of $10 or $20 respectively. Dependent Life insurance coverage terminates upon retirement for all retirees.

NOTE: Beneficiaries will report a life insurance claim directly to Baylor University Human Resources by calling 254.710.2000 or emailing askHR@baylor.edu.

DISCLOSURE: Death Benefits will be reduced if an Accelerated Benefit is paid. The Accelerated Benefit offered under this certificate-booklet is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986. If the Accelerated Benefit qualifies for such favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. Tax laws relating to Accelerated Benefits are complex. You are advised to consult with a qualified tax advisor about circumstances under which you could receive the Accelerated Benefit excludable from income under federal law. Receipt of an Accelerated Benefit may affect your, your spouse, or your family’s eligibility for public assistance programs such as medical assistance (Medicaid), Aid to Families with Dependent Children (AFDC), supplementary Social Security Income (SSI), and drug assistance programs. You are advised to consult with a qualified tax advisor and with social service agencies concerning how receipt of such a payment will affect your, your spouse, and your family’s eligibility for public assistance.

Continuation of Coverage

Honorary Retirees (5 to 10 years of full-time service) who had insurance as employees and their dependents who have been covered by medical/dental plans may apply for continued coverage for up to 18 months, subject to certain conditions. Dependents, spouse/children, who no longer meet eligibility requirements due to divorce, limiting age 26, etc., may continue as an individual on the medical/dental plans for up to 36 months, subject to certain conditions.

Continuation of Coverage

Termination of Coverage

RETIREE
Coverage for dental and supplemental life insurance* benefits will terminate upon the earliest of the following dates:

  • The period for which the retiree fails to make any required Plan contribution.
  • Retiree requests to cancel Plan.
  • Death of Retiree.
  • The date this Plan is terminated by Baylor University.
  • *Grandfathered Retirees will continue to receive the employer provided life insurance benefit at the reduced retiree level.

DEPENDENT (Spouse and Children)
Dental insurance benefits shall immediately terminate upon the earliest of the following dates:

  • The period for which the Retiree fails to make any required Plan contribution on behalf of the Dependent.
  • The last day of the month in which the Dependent ceases to be an eligible Dependent as defined in the Plan.
  • Until the last day of the month in which the dependent child reaches age 26.
  • The date this Plan is terminated by Baylor University. Coverage terminates at the end of the month in which the coverage is cancelled.

Coverage for partial months is not available through Baylor's insurance plans.

Additional Resources

  • Medicare Website
  • Medicare Basic Information
  • Retirement Benefits Policy
  • Retiree Important Contacts List
  • Social Security Website
  • Via Benefits Website

Baylor Human Resources

Putting People First.

Clifton Robinson Tower | Suite 200
700 S University Parks Dr
Waco, TX 76706

One Bear Place #97053
Waco, TX 76798

askhr@baylor.edu
254-710-2000
Ask HR
About
Jobs
Disclosures
Visit
Policies
Great Colleges to Work For Badge - 2023
Baylor BU Human Resources Benefits & Advantages Retirement Preparing for Your Retirement Retiree Insurance Details
  • Careers & Opportunities
    Back
    • Research & Learn
      Back
      • Staff Job Descriptions
      • whyBaylor
    • Apply & Interview
      Back
      • Faculty Application Process
      • Staff Application Process
      • Veteran Resources for Interviewing
    • New Faculty and Staff
      Back
      • Welcome & Orientation
        Back
        • Living in Waco
      • Steps for New Faculty
        Back
        • New Faculty Orientation
      • Steps for New Staff
      • New Employee Forms
        Back
        • Completing Your I-9
          Back
          • FAQs for Completing Your I-9
      • Employment Forms by State
    • Transition & Exit
      Back
      • Exiting Faculty
      • Exiting Staff
    • Contingent Workers (Auxiliaries)
    • Other Campus Employment
      Back
      • Summer Camp Employment
    • Additional Resources
  • Benefits & Advantages
    Back
    • My Benefits
      Back
      • Veteran Resources
    • Baylor Wellbeing
    • Enrollment
      Back
      • Benefitfocus Information
      • Benefitfocus Login
      • 2024 Benefits Open Enrollment
    • Retirement
      Back
      • Investing in Your Retirement
        Back
        • Baylor 457(b) Plan
        • Baylor Retirement Plan - 403(b)
        • Importance of Retirement Planning
        • TIAA Updates - New Features
      • Preparing for Your Retirement
        Back
        • Faculty Retirement Planning Program
        • Retiree Insurance Details
          Back
          • Health Reimbursement Account (HRA)
          • Medicare Basic Information
        • Staff Voluntary Retirement Incentive Program
        • Retiring Process Checklist
      • Enjoying Your Retirement
        Back
        • My Retiree Benefits
        • Technology Benefits for Retirees
        • Retiree Tuition Remission
        • Retiree Important Contact List
      • Retiree Advantages
      • Retiree Benefits Overview
    • Compensation
    • Insurance Offerings
      Back
      • Medical Insurance Plans
        Back
        • Flexible Spending Accounts (FSA)
        • Health Savings Account (HSA)
        • Livongo
      • Prescription Drug Plan
      • Dental Insurance Plan
      • Vision Insurance Plan
      • Employer Provided Insurances
      • Retiree Insurance Details
      • Continuation of Insurance Coverage
      • Voluntary Supplemental Insurances
      • Temporary Full-Time Lecturer Benefit Election Info
    • Employee Recognition
      Back
      • 2023 Baylor Faculty & Staff Appreciation Night
      • Fall Staff Meeting - September 18, 2023
      • Staff Awards
        Back
        • Distinguished Staff Leadership Award
        • Outstanding Staff Award
    • Tuition Remission
    • Time Off & Leave Policies
      Back
      • Family and Medical Leave Act (FMLA)
      • Maternity and Primary Caregiver Leave
      • Paid Caregiver Leave
      • Paid Parental Leave
      • Timecards During University Closures
    • Employee & Family Resources
      Back
      • Adoption Assistance Program
      • Crisis Resources
        Back
        • Mental Health First Aid Course - Testimonials
      • Care.com
      • Dual Career Assistance
      • Educational Assistance
      • Employee Assistance Program (EAP)
      • Expectant & New Parents
      • Progyny
      • Surviving Spouse Benefits
    • Accommodations
      Back
      • Americans With Disabilities Act (ADA)
      • Lactation Accommodation
      • Texas Mother-Friendly Worksite
    • Baylor Advantages
      Back
      • Athletic Tickets
      • Baylor Bookstore
      • Baby Bear Program
      • Baylor Club at McLane Stadium
      • Baylor Theatre
      • Baylor Wellbeing
      • BearStand
      • Campus Dining Offerings
      • Campus recreation
      • Credit Union
      • Dell Store
      • Employee Assistance Program
      • Game Room
      • Waco Perks
      • Health Center
      • Martin Museum of Art
      • Massage Therapy
      • Mayborn Museum Complex
      • Parking
      • Personal Cell Phone Discounts
      • Real Appeal
      • School of Music
      • University Libraries
      • Vanguard Prep School Scholarship
    • Benefit Forms
    • Benefitfocus Login
  • Manage & Lead
    Back
    • Getting Started
      Back
      • Core Commitments
      • Leadership Commitments
    • Management Toolkits & Guides
      Back
      • Exempt vs. Non-exempt
      • Faculty Performance Process
      • How to Approve Timecards in Ignite
      • Managing Performance Year-Round
      • One on One Resources
      • Performance Helpers
      • Performance Improvement Plan
      • Performance Review Process - Manager Guide
      • Recruiting and Hiring Staff
      • Second-Level Managers: What are they and what do they do?
    • Staff Performance Review Process
    • Hybrid/Remote Work Resources
      Back
      • Manager Tools for Remote Work
      • Managing Alternative Work Arrangements
      • Practical Tips for Managing Remote Workers
      • Practical Tips for Working at Home
      • Professional & Leadership Development when Working Remote
      • Video Meeting Tips
    • Additional Resources
      Back
      • Academic Administrative Resource Center
      • Sabbaticals, Research Leaves, and Grants
      • System Instructions & Access Questions
      • Tuition & Teaching
        Back
        • Staff Teaching
  • Learn & Grow
    Back
    • Courses
      Back
      • Available Course Listings
      • Course Creation
      • Lifelong Learning Program
      • Continuing Education Program
    • Career Tools
      Back
      • Academy for Teaching and Learning (ATL)
      • Ignite Learn
      • Faculty Development
      • Individual Development Plan
      • LinkedIn Learning
      • RightNow Media @ Work
      • University Calendar
    • Educational Assistance
      Back
      • Tuition Remission
      • Tuition Reimbursement
    • LinkedIn Learning
    • Professional Wellbeing
  • Contacts & Resources
    Back
    • Engage with HR Contacts
      Back
      • askHR
      • HRC - Human Resources Consultants
        Back
        • HRC Contact List
      • Faculty Senate and Staff Council
      • Office of the Provost
      • Baylor Organizational Chart
      • Baylor Round Table
    • ERG - Employee Resource Groups
      Back
      • Asian American & Pacific Islander Faculty & Staff Association (AAPIFSA)
      • Black Faculty & Staff Association (BFSA)
      • Jewish Faculty & Staff Association (JFSA)
      • Latinx Faculty & Staff Association (LFSA)
      • Military-Connected Faculty & Staff Association (MCFSA)
    • Hybrid/Remote Work Resources
    • Policies & Postings
      Back
      • Fraud alert: Unemployment Claims and Identity Theft
      • Required Annual Notices
      • State Employment Law Postings
    • Workplace Concerns and Disclosures
    • Giving
    • Additional HR Resources
  • About
  • Ignite
  • 2024 Benefits Enrollment
    Back
    • 2024 Benefits Guide
    • 2024 On Demand Benefits Webinar
    • 2024 Open Enrollment Information Sessions
    • Benefitfocus Login
    • Benefits Open Enrollment FAQs
    • Benefit Wallet HSA Transfer to HSA Bank
    • What's New for 2024
  • General Information
  • Academics & Research
  • Administration
  • Admissions
  • Gateways for ...
  • About Baylor
  • Athletics
  • Ask Baylor
  • Bookstore
  • Calendar
  • Campus Map
  • Directory
  • Give Light
  • Give to Baylor
  • Illuminate
  • News
  • Pro Futuris
  • Search
  • Social Media
  • College of Arts & Sciences
  • Diana R. Garland School of Social Work
  • George W. Truett Theological Seminary
  • Graduate School
  • Hankamer School of Business
  • Honors College
  • Law School
  • Louise Herrington School of Nursing
  • Research at Baylor University
  • Robbins College of Health and Human Sciences
  • School of Education
  • School of Engineering & Computer Science
  • School of Music
  • University Libraries, Museums, and the Press
  • More Academics
  • Athletics
  • Compliance, Risk and Safety
  • Human Resources
  • Marketing and Communications
  • Office of General Counsel
  • Office of the President
  • Office of the Provost
  • Operations, Finance & Administration
  • Senior Administration
  • Student Life
  • University Advancement
  • Undergraduate Admissions
  • goBAYLOR
  • Graduate Admissions
  • Baylor Law School Admissions
  • Social Work Graduate Programs
  • George W. Truett Theological Seminary Admissions
  • Online Graduate Professional Education
  • Virtual Tour
  • Visit Campus
  • Alumni & Friends
  • Faculty & Staff
  • Online Graduate Professional Education
  • Parents
  • Prospective Faculty & Staff
  • Prospective Students
  • Students
  • Accessibility
  • Anonymous Reporting
  • Annual Fire Safety and Security Notice
  • Cost of Attendance
  • Digital Privacy
  • Legal Disclosures
  • Mental Health Resources
  • Report It
  • Title IX
 
Baylor University
Copyright © Baylor® University. All rights reserved.
Baylor University • Waco, Texas 76798 • 1-800-229-5678