Thread regarding AT&T layoffs

@1tw Is that $1900 for the AT&T Retirement plan or are you still within your COBRA period? I was told that AT&T Retirement insurance was 102% of the COBRA coverage. IOW - 2% more expensive. I'm paying $2025 for COBRA, plus $114 for dental under the retirement plan.

@OP I see several responses with different dollar amounts for post-2021 management retirees without subsidized retirement healthcare. As a recent retiree in late 2025, I have the "joy" of paying nearly $1900 a month for retiree+1 coverage.

$1706 / mo for COBRA in 2024 for family coverage, following "voluntary" separation (RTO, but they paid severance so not really "voluntary").

Severance included 6 mo of salary and health insurance. Next five months on COBRA, then on the first day of my 65th birthday month, socialized medicine (i.e. Medicare). It works, has reasonable restrictions, and should be something everyone gets.

I believe is ~1400 per month for 2 people. Bronze plan - 6k deductible

in less than 5 months i too will meet the 75 yr rule. im 50. HR one stop is a joke. so far nobody can help with the cost of what my insurance will be

@pd

I earned almost $950k, plus 401k matches, high SS contributions, and market gains, by working five years past the end of the retiree health insurance subsidy. 😎

Glad it worked out for you, but it wasn’t an automatic flex for everyone. In the end I’m paying about $90k for health insurance before Medicare, so it was a decent trade off. I liked my job for that time as well…

I left after the sudsidy was discontinued.

I pay $2444/mo for two, early 60’s, with a $6000 deductible. This is the same plan I had while working, but my share was around $500/mo while active. The identical plan on the exchanges would be $2900.

As I understand it, once COBRA expires I will go to the exchanges until Medicare, the option to stay on the company plan does not exist.

While I certainly don’t enjoy paying $2444, I knew what it would cost before I left after modeling it on HR OneStop as mentioned above before leaving. The cost was built into my personal finance plan before I decided to leave.

Hope this helps!

@jw Especially if you signed up before 2021 when is was still subsidized 😎

Retiree insurance from T is great. Thank you.

“Retirees tend to be older so their plan costs are higher for same plan "name" as you got as employee.”

There really isn’t that much of a difference given the employee demographics at T. There are a lot of geriatric employees.

My wife got the subsidy when she retired (no longer offered anymore because of stank cuts). But during open enrollment, you can see your employee cost and the total cost. If you have rule of 75, you can buy into an att plan, and also cover your spouse until they are medicare eligible even if you become medicare eligible before them. Keep in mind these plan costs can and are different as they are based on different pools of people. Retirees tend to be older so their plan costs are higher for same plan "name" as you got as employee. And plan cost for a spouse of a medicare eligible retiree is also different. Call benefits center and they can get you the costs but don't assume the plan cost for a retiree is the same as you got as an employee.

You aren’t eligible yet but went to broker a few years ago to try and find my best options. When I told him I was I was a AT&T retiree he stopped me and said he had nothing equal to or better than that plan. However read that all plans will be more costly next year. Copays went up some this past year so worried about what next year will bring.

You can go into HR Onestop, under Leaving Soon, you can model out retirement (choose a date that’s like next month, it doesn’t matter right now), but you can model out the costs and what you’ll be able to get. You can also schedule appointment to talk to somebody about retirement (from the HR company). What i did notice is that with MR75, you get access to healthcare at full price, and that medical under COBRA is less, so can mix and match, do COBRA for 18 mos, then switch to retiree if that’s what you want. Good luck!

I am Medicare eligible so I do not get Benefits from T. My wife is not Medicare eligible so she get Medical, Dental and Vision under my Retiree Benefits. Same deductibles and plan as being an employee but costs $1036/mo. Not a bad option compare to Obamacare

It was not as expensive as COBRA. You will have to go on COBRA first for 18 mos and then can come back to T health care plans

There are several Facebook groups for AT&T Retirement Planning.

There's also a Leaving AT&T Guide. Search for it in HROnestop. It'll give you info and point you to SPDs you can read.

I didn't think management got any healthcare subsidies after retiring.

Call into HROnestop and they can tell you everything you need to know!