ICUBA COVERAGE
UNDER 65
ICUBA offers eligible retirees under 65, the option to enroll in the same plans available to you as an active employee. To enroll in retiree coverage, you must opt-in using the form below.
AMWINS PLAN
65 AND OLDER
Retirees 65 and older may elect the Medicare supplement from AmWINS. To enroll in coverage, you must opt-in using the form below and complete the AmWINS enrollment sheet in the Rates and Summary link.
RETIREE
RESOURCES
Florida SHINE provides resources to eligible retirees who need help navigating Medicare. You may also visit www.medicare.gov for more information and resources about Medicare Part A and Part B.
What is the Retiree Opt-in form?
The opt-in form is ICUBA's pre-enrollment form for retiree coverage. After you complete the form, your elections are sent to the applicable carriers to enroll you in retiree coverage.
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If you are currently enrolled in Retiree coverage and need to drop coverage, download the form linked here, and return it to Ameriflex.
What if I am
under age 65?
If you retire before attaining age 65, you are eligible to participate in the ICUBA BCBS medical plan, Delta dental plan, and EyeMed vision plan that you were enrolled in at the time of your retirement.
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Retirees can cover their eligible spouses/dependents who were covered at retirement.
When should I elect Medicare Part A?
If you qualify for premium-free Part A, you should enroll when you turn 65. If you have to pay a premium for Part A, you can delay Part A until you (or your spouse) stop working or lose employer sponsored coverage.
You will NOT pay a penalty for delaying Part A, as long as you enroll within 8 months of losing your coverage or stopping work (whichever happens first).
When is Retiree coverage active?
Retiree coverage is active within 10 business days of losing employee coverage. You will experience a gap in coverage, until your coverage is active.
Coverage will be retroactive from your eligibility date once your elections have been received.
ICUBA's carriers need about 10 business days to process your elections.
What if I am
age 65 or older?
If you retire at age 65 or older, you can elect the AmWINS Medicare Supplement through ICUBA or shop for coverage in the marketplace.
You, and your eligible dependents , can continue dental or vision directly with ICUBA if you were enrolled at the time of retirement.
When should I elect Medicare Part B?
You can delay Part B until you (or your spouse) stop working or lose employer sponsored coverage, and you will NOT pay a penalty for delaying Medicare, as long as you enroll within 8 months of losing your coverage or stopping work (whichever happens first).
Retiree coverage is not considered employer sponsored health insurance.
Will I get new member ID cards?
If you or your spouse are electing the AmWINS Medicare Supplement plans, you will receive new ID cards once your coverage is active.
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If you are continuing with ICUBA plans, your member ID number will remain the same for medical, dental, and vision insurance.
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What is Medicare
Part A?
Medicare Part A helps cover inpatient hospital care, skilled nursing facility care, hospice care, and home health care.
Most people will not pay a premium for Medicare Part A and should enroll when they turn 65, even if they have health insurance from an employer.
How do I contact Ameriflex?
Online account access for COBRA and Retiree administration is available at https://cobra.myameriflex.com/.
Call customer service at (888) 868-3539* or by email at service@myameriflex.com.
When calling Ameriflex customer service for Retiree coverage, you will need to select the COBRA option from the interactive voice menu.
Where can I learn about Medicare?
Florida SHINE (Serving Health Insurance Needs of Elders) Program provides health insurance information and counseling assistance to Medicare beneficiaries.
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Florida SHINE is a FREE resource to help transition to Medicare.
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What is Medicare
Part B?
Medicare Part B helps cover services from doctors and other health care providers, outpatient care, home health care, durable medical equipment, and some preventive services.
If you or your spouse have employer sponsored insurance, you can wait to elect Part B.
Where do I make payments?
Ameriflex administers our Retiree coverage through their COBRA department. You will automatically receive a COBRA notification. Retiree coverage requires you to opt-in/ You do not need to elect COBRA if you are electing retiree insurance.
For more information, visit https://myameriflex.crunch.help/participants/set-up-ameriflex-cobra-account.
Opt-in required for newly retired members
Only complete the opt-in form if you are planning to enroll in retiree coverage with ICUBA or AmWINS.
Please note, retiree coverage is only available to eligible retirees as determined by your employer. If you are unsure of your eligibility, please contact your employer's Human Resources or Benefits Department. Submitting the opt-in form is not a guarantee of benefits, nor does it imply eligibility for benefits under an ICUBA Retiree Insurance Plan.
To best view the opt-in form, please visit this page on your personal computer. Your mobile device may not properly display the online form.
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Online account access for COBRA and Retiree administration is available at https://cobra.myameriflex.com/
Customer service is available by phone at (888) 868-3539* or by email at service@myameriflex.com.
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*Please note when calling Ameriflex customer service for Retiree coverage, members will need to select the COBRA option from the interactive voice menu.
