I am currently working with 3 AT&T retirees. As of 1/1/15 the current ATT retiree plan is no more. Instead, ATT will fund $2700 (double for married couples) via an HRA and turn you loose in the market.
But ............
You have to buy your coverage through Aon to get the $2700.
But .................
You don't have to buy ALL your Medicare coverage. You can just buy a PDP via Aon and still get the $2700.
Or you can buy PDP, Medigap or MAPD.
The key is the ATT retiree doesn't have to spend all their money on Aon peddled products. Any unused HRA funds at the end of the year roll over to the next.
Carry on.
But ............
You have to buy your coverage through Aon to get the $2700.
But .................
You don't have to buy ALL your Medicare coverage. You can just buy a PDP via Aon and still get the $2700.
Or you can buy PDP, Medigap or MAPD.
The key is the ATT retiree doesn't have to spend all their money on Aon peddled products. Any unused HRA funds at the end of the year roll over to the next.
Carry on.