Vanguard's retiree health plans provide continuation of coverage to:
- Vanguard retirees under age 65.
- A retiree's spouse or domestic partner under age 65.
- A retiree's dependent children who meet eligibility requirements.
Below you'll find all the information you need to continue your coverage through the Vanguard retiree plans.
View the monthly rates for the medical, dental, and vision plans.
Vanguard offers two medical plans, two dental plans, and a vision plan. Both medical plans include prescription drug coverage. Learn more:
- High-Deductible Health Plan
- Aetna Retiree Choice 950
- Aetna Retiree Choice 1250
- Dental plans
- Vision plan
The Medical coverage options chart offers a snapshot of the medical coverage options for retirees.
Note: Retirees under age 65 who elect to enroll in a Vanguard-sponsored plan after retirement will not receive contributions to their health reimbursement arrangement (HRA) or health savings account (HSA).
Summary of Benefits and Coverage
As part of health care reform, Vanguard is required to provide you with the Summary of Benefits and Coverage (SBC) document for our medical plans. The SBC will help you:
- Understand your plan options.
- Compare Vanguard's medical plans with other plans.
- Choose the best plan for you and your family.
The Glossary of Health Coverage and Medical Terms is a quick reference guide that explains common terms, such as "deductible" and "coinsurance."
Note: You may find differences between definitions in the glossary and those in your health plan documents. When this occurs, please accept the health plan's definitions.
Summary of Benefits and Coverage:
Retiree Medical Account
When you retire from Vanguard, you'll receive a Retiree Medical Account (RMA) to help you pay for eligible health insurance premiums.
If you do not want to continue in a Vanguard-sponsored plan, you may purchase any other health care coverage available (such as individual or association policies). Whether you enroll in a Vanguard-sponsored plan or elect other health care coverage, you can use your RMA for reimbursement up to 75% of the after-tax premiums you pay.
Summary Plan Description (SPD)
The SPD describes the health and welfare benefits provided to Vanguard retirees.
More resources for retirement
Refer to Vanguard's Retirement Policy and check out the below resources that can help with retirement:
- American Association of Retired Persons (AARP): This nonprofit, nonpartisan membership organization for people age 50 and over is dedicated to enhancing quality of life for all as we age.
- Carebridge: Offers retirement information and services at no cost to Vanguard retirees and their immediate families. Call 800-437-0911 to reach a counselor.
- Best Doctors: This free, confidential program helps you find peace of mind when faced with important decisions about your medical diagnosis or treatment plan.
- Firstgov.gov: Access this U.S. government official web portal for information on retirement, Social Security, and more.
- Medicare: Learn more about Medicare, a health insurance program for people 65 years of age and older.
- Social Security Administration: Review this website if you have questions regarding Social Security benefits and more.