Eligibility and Enrollment
The Medical Trust provides medical and prescription drug benefits to retirees through a UnitedHealthcare® Group Medicare Advantage (GMA) plan. Eligible retirees have access to all Medicare providers, as long as the latter accept the plan and have not opted out of or been excluded or precluded from Medicare.
To enroll in the GMA plan you must be enrolled in Medicare Parts A and B and satisfy other eligibility requirements.
CPG Client Services helps former employees aged 65 and older determine whether they are eligible during the retirement process, or when they reach age 65 and become eligible for and enroll in Medicare.
Enrollment generally takes place:
- Every year in the fall, coinciding with Medicare’s Open Enrollment Period
- When individuals experience a significant life event, like a change in marital status or enrollment in Medicare
Additional details about who is eligible, significant life events, and eligibility for changes to coverage can be found in the “Plan Elections and Changes” and “Eligibility for the Group Medicare Advantage Plan (GMAP)” section of the Medical Trust’s Administrative Policy Manual.
If you have questions, call us at (800) 480-9967, Monday to Friday, 8:30 AM to 8:00 PM ET, or email mtcustserv@cpg.org.
2025 Annual Enrollment
It's almost time to enroll in your Group Medicare Advantage Plan!
Annual Enrollment for retired clergy and lay employees takes place:
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October 23 – November 22
Visit our decision guide for retirees for important program announcements, and links to additional information you need to determine which Group Medicare Advantage Plan may be right for you.
View step-by-step instructions
Link to Annual Enrollment site is available beginning October 17.
Retirees Under Age 65
Those who qualify under the Medical Trust's eligibility rules* and whose former employer participates in the Episcopal Health Plan, can continue their existing health coverage at their own expense until they turn 65 and are eligible for Medicare.
Employees Age 65 and Older
Employers that offer Medical Trust health plans to active employees under age 65 and their spouses must offer the same health plans to its employees age 65 and over and their spouses—regardless of Medicare eligibility—provided that they meet the Medical Trust plans’ eligibility rules.
Individuals should check with their employer and see the Understanding Health Plan Options for Employees Age 65+ bulletin for more information.
*Review the applicable plan document handbook and check with your group or diocesan administrator for eligibility requirements. Please note that employers may not offer all plans.
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