A male Caterpillar retiree stands with family in front of a 420E backhoe.
A male Caterpillar retiree stands with family in front of a 420E backhoe.

Retirees

Eligibility Rules

Your eligibility for Caterpillar’s retiree health care coverage depends on several factors, including your date of hire, age, service and your group. Contact the Caterpillar Health Enrollment Center for specifics on eligibility.

Dependent Verification Required

If you enroll a spouse, same-sex domestic partner or child, you’ll be required to provide proof of their eligibility (e.g., marriage license, birth or adoption certificate, etc.). After you enroll, you’ll receive a letter from the Caterpillar Health Enrollment Center with further instructions.

Dual-Caterpillar Couples

If you and your spouse/same-sex domestic partner work for or retired from Caterpillar (excluding Solar), you must each enroll in health care coverage as an employee or retiree — neither of you can be covered as a dependent of the other. Eligible children can be covered as a dependent under your or your spouse/same-sex domestic partner’s plan, but not both.

Contacts

Medical Plan Options and Summary

 

Depending on your group, we are pleased to offer these four options:

Traditional plan options

Consumer Directed Health Plans (CDHPs), which include a tax-advantaged Health Savings Account

  • Blue Cross Blue Shield National
  • UnitedHealthcare (UHC) Choice Plus
  • UHC Consumer Choice — CDHP
  • UHC Consumer Max — CDHP


 

Medical, Prescription Drug, Dental and Vision Coverage are Bundled Together
If you enroll in a Caterpillar medical plan, you and your covered dependents will automatically be enrolled in dental and vision benefits, which are administered by Cigna and VSP respectively.


 

BCBS National

The BCBS EPO requires you to use in-network providers only. Generally, in-network coverage is provided at 80% after you pay your annual deductible. Many preventive services are covered at 100%. The BCBS EPO includes prescription drug benefits administered by Prime Therapeutics. The BCBS EPO includes copays for primary care and specialist office visits. Out-of-network services aren’t covered except for life-threatening emergencies.

UHC Choice Plus

UHC PPO allows you to use either in-network or out-of-network providers. You may choose any provider, but you’ll pay less if you use a provider in the network. Generally, network coverage is provided at 80% after you pay your annual deductible. Many preventive services are covered at 100%. The UHC PPO includes prescription drug benefits administered by Prime Therapeutics.

UHC Consumer Choice and UHC Consumer Max

UHC Consumer Choice and Consumer Max plan options allow you to use either in-network or out-of-network providers. You may choose any provider, but you’ll pay less if you use a provider in the network. In-network coverage is provided at 80% after you pay an annual deductible. The CDHPs have higher annual deductibles than the traditional plan options. Many preventive services are covered at 100%. The plan includes prescription drug benefits administered by Prime Therapeutics. In both these plan options, you’ll pay the full negotiated rate for non-preventive medical services and prescription drugs until you meet the deductible. Both of these plans include a tax-advantaged Health Savings Account. Caterpillar contributes to this account on your behalf, and you can contribute too. Learn more about the HSA.

 

Medicare Part D
If you enroll in one of the plans approved by Medicare that offers prescription drug coverage, you may need to provide a copy of your Proof of Credible Coverage Notice to show you're not required to pay a higher premium amount. For a copy, contact the Caterpillar Health Enrollment Center at 1-833-735-2127Learn more.

Mid-Year Changes
If you experience a qualified life event (e.g., get married or divorced, have a baby, or if your spouse gains or loses employment), you may be able to add or drop coverage for you and/or your dependents — as long as you make the change within 31 days of the event. Contact the Caterpillar Health Enrollment Center to get started.

Learn More
View the Retiree Benefits Brochure and/or log into the Caterpillar Health Enrollment Center's website to view plan details and compare the plan options.

 

Find An In-Network Provider

To locate in-network providers, contact:

Plan option

Nationwide network

Caterpillar NetWork
(in select counties in Illinois)

BCBS National

BCBS network provider

Caterpillar NetWork provider

UHC Choice Plus
UHC Consumer Choice
UHC Consumer Max

UHC network provider
(choose Choice Plus)

Caterpillar NetWork provider