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STATE UNIVERSITIES RETIREMENT SYSTEM

Executive Director: William E. Mabe

Chairperson:  Lindsay Anderson

Insurance - CIP FAQ

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College Insurance Plan

Address

Changes

Coverage

Dependent Certification

Disability

Enrollment

Life Insurance

Medicare

Premiums

Retirement

Terminating Enrollment


How do I change my address for my insurance carriers?
SURS requires that address changes be submitted in writing. Please indicate your new address, name, member ID or social security number, and include a signature and effective date. SURS will update the Central Management Services (CMS) database. CMS will in turn send the updated address information to all providers. CMS sends address updates to carriers every Friday. The carrier should have their system updated by the end of the next week.


When can I make changes to my CIP?
You can only make changes to your insurance coverage during certain times:

  • The Benefits Choice period, commonly referred to as open enrollment. This is usually held every year during the month of May with changes effective July 1st. For more information, visit the Central Management Services (CMS) website.
  • Within 30 days of a member or dependent turning age 65, or if a member or dependent experiences an involuntary loss of other insurance coverage, marriage, birth/adoption, divorce, or death.
  • You can also change your health carrier if you are enrolled in an HMO within 30 days of your provider leaving the network or within 30 days of moving out of the HMO coverage area.

Does the College Choice Health Plan cover nursing home services?
Please call CIGNA at 800-962-0051 (Group Number 2457490) for any questions regarding your coverage.

If I´m traveling out of the country, will the College Choice Health Plan policy cover me?
Please call CIGNA at 800-962-0051 (Group Number 2457490) for any questions regarding your coverage.

Is there a pre-existing condition clause?
No.

What does CIP offer?
Health, dental, vision, and prescription coverage.

What is dependent certification?
Only dependents in the Disabled and the Adult Veteran Child categories are required to certify each year. The annual certification period for these dependents is in the month of October, with the terminations effective November 1st.

All certification request letters are mailed from SURS. Please return them completed to SURS.

Who mails the dependent certification information to me?
SURS mails all CIP dependent certification letters and forms, turning age 26 and annual.

Age 26 certifications should be mailed to CMS at their Springfield Office. Illinois Department of Central Management Services, PO Box 19208, Springfield, IL 62794-9208

If I am receiving a disability benefit check from SURS, can I enroll in CIP?
No, as a disability recipient you are not eligible for CIP. Only retirees and their survivors can enroll in CIP.

My child is 19 or older, can they be a dependent on my health insurance?
Yes, they can be covered until they attain age 26, or over age 26 if they can certify in the Disabled or Adult Veteran child categories.


When can I enroll in CIP?
Initial Enrollment is limited to only four instances:

  1. within 30 days of the member retiring with SURS,
  2. if the member or dependent turns age 65,
  3. if the member or dependent experiences an involuntary loss of other insurance coverage,
  4. or during the annual Benefits Choice period.

Re-enrollment is even more limited. If a member has already been enrolled in CIP, terminated their coverage, and wants to enroll again, they are limited to two instances:

  1. turning age 65,
  2. or an involuntary loss of coverage.

When does my enrollment in CIP begin?
Enrollments are effective at the beginning of the month. You cannot enroll mid-month in CIP. You also cannot enroll prior to the reason for the enrollment, i.e., if your insurance terminates 3/15, your enrollment in CIP cannot begin until 4/1.

When will I receive insurance identification cards?
The insurance carriers send all insurance identification cards. They are usually sent within three weeks of enrollment.

Can I purchase life insurance?
No, CIP does not offer life insurance.

Do I need to purchase Medicare Part B when I retire?
SURS does not counsel on Medicare. Please contact Medicare at 800-633-4227 or www.medicare.gov, or the Medicare COB Unit at Central Management Services at 217-782-7007 or CENTRAL MANAGEMENT SERVICES, Medicare COB Unit, 807 S. 7th Street, PO Box 19208, Springfield, IL 62794-9208.

Who is the primary insurance carrier at retirement when a member is enrolled in Medicare?
SURS does not counsel on Medicare. Please contact Medicare at 800-633-42273 or www.medicare.gov, or the Medicare COB Unit at Central Management Services at 217-782-7007 or CENTRAL MANAGEMENT SERVICES, Medicare COB Unit, 807 S. 7th Street, PO Box 19208, Springfield, IL 62794-9208.

What happens if my insurance premium exceeds the amount of my monthly annuity?
If your insurance premium exceeds your monthly annuity amount, SURS will send you a monthly bill. These bills will be generated the last week of the month for the next month. For example, your October bill will be generated and mailed the last week of September. The payment is due the 15th of every month. If you miss two payments, your insurance will be terminated retroactive to the last month in which payment was received.

What is the cost of dental and vision insurance?
Currently, there is no cost to retirees, survivors, and their covered dependents.

What is the cost of dependent health coverage?
Dependent rates vary depending on the dependents age, Medicare eligibility, and provider enrollment. Specific rate information can be found in the CIP Benefit Choice Booklet on the Central Management Services (CMS) website.

What is the cost of retiree health insurance?
Retiree insurance rates are based on age, Medicare eligibility, and provider enrollment. Specific rate information can be found in the CIP Benefit Choice Booklet on the Central Management Services (CMS) website.

Can dependents be added at retirement? If so, what documents are required?
Eligible dependents can be added at the time of retirement. If you wish to add an eligible dependent, we need a dependent beneficiary enrollment form within 30 days of your retirement, as well as a copy of their birth certificate, marriage certificate (if applicable), and Medicare card (if applicable).

If adding a child over the age of 26, you must also complete a dependent certification form and provide the required documentation for the Disabled or Adult Veteran child.

Will I be eligible for CIP coverage when I retire?
You must have been a full-time employee and eligible for benefits at one of the participating public community colleges in Illinois. Your employer must verify this information. City Colleges of Chicago does NOT participate in CIP.

How can I terminate my enrollment or my dependents enrollment in CIP?
Terminating enrollment in CIP is easy. You only need to send the request in writing. Termination will be effective the first of the following month.

However, when terminating a dependent, please list the reason for termination. For example, if the reason is divorce, legal separation or annulment, we will need legal documentation so COBRA papers can be sent.

NOTICE: Please note that re-enrolling in CIP is difficult and limited to only two instances. Once you terminate your enrollment in CIP or your dependent´s enrollment in the CIP, you can re-enroll within 30 days of the member or dependent turning age 65 or if the member or dependent experiences an involuntary loss of insurance coverage.

Involuntary termination does not mean non-payment of premium. It means you are no longer offered insurance due to age, retirement, etc. Your company will no longer allow you to remain enrolled in their plan.