IRMP and SERMA General Info and FAQs

These benefits are for US official Intel retirees only.

Updated 7/31/17

Where can I go to get Intel Retiree Medical Plan (IRMP) and SERMA questions answered?
Medical benefits: If you have questions about your health plan coverage or issues with a medical claim, contact:

  • IRMP Medical: CIGNA at 800-468-3510
  • Prescription drug: Express Scripts Member Services at (800) 899-2713
  • Vision: VSP at 855-663-2836
  • SERMA:  Intel Health Benefits Center (Aon Hewitt) at 877-466-9236

In addition, if the health plan provider is unable to answer your question or resolve your issue, contact the Intel Health Benefits Center at 877-466-9236, Monday – Friday, 7 a.m. to 5 p.m. (Pacific).

  • Through the Intel Health Benefits Center you may engage a participant advocate. The Participant Advocacy service is available to all retirees and dependents (e.g., spouse) enrolled in IRMP. The specially trained Advocates will work with you on a confidential basis to make sure you receive your complete benefits.
  1. How do I request a review of a denied SERMA claim? There are several reasons why your claim might be denied. For example ;
  • If you have an incorrect address
  • Inadequate information on your receipt
  • If you submit claims for services incurred outside of the reimbursement period
  • If you submit claims for services in the future
  • If you submit your claim form without a receipt
  • If you submit your claim for an ineligible expense
  • Administrative error

If your claim has been denied and you are unsure of the reason why you can review the information online at or you can contact the Intel Health Benefits Center at 877-466-9236, choose the Your Spending Account option. An YSA representative will review the claim and your documentation with you. In most cases you may need to submit additional documentation which the representative will discuss with you in detail. If an adjustment to your claim without any additional action from you is appropriate, the YSA representative will submit a case to the claims department to make the adjustment.

  1. How do I get faster and easier reimbursement from my SERMA/ YSA account? IRO has received some very positive feedback on the ease of use for a mobile smart phone application available to Intel retirees. It is as easy as submitting your claim using your iPhone or Android smart phone and then just transmitting your documentation (i.e., receipts) by attaching a picture of it taken with or stored on your Smart phone. If you are interested in finding out more, follow these simple steps to access the installation instructions:
  • Click My Health Benefits websitenear the top of the page to log onto your account (note: this must be done before you can proceed to further steps)
  • Select the “Your Spending Account/SERMA” tile
  • Select “Get Reimbursed” under the Take Action menu on the right hand side of page
  • To submit claims on your smartphone, go to the right hand side of the page and click on the “Reimburse Me App” link or to get the “Reimburse Me- Mobile App Guide”. Follow directions to set up the application on your smartphone.

Basic SERMA FAQs (for the full SERMA FAQs go to My Health Benefits)

  1. I am not enrolled in IRMP and would like to use my SERMA to purchase non-Intel sponsored health insurance. How do I do that? If you have available SERMA credits, a reimbursement account will automatically be set up for you on the My Health Benefits website under the Your Spending Account tab. You may use Your Spending Account to reimburse yourself for health care premium costs that you incur.
  2. What is SERMA? When SERMA is established by Intel for a retiree, the amount of funding available depends on the number of years employed by Intel; for example: $1000 per year for 25 years employed= $25,000. The fund is established at the time you retire and there are no additional funds added after retirement. SERMA is not an FSA (used for pre-tax payment of out of pocket medical expenses while employed) or HSA (used for pre-tax payment of premiums and out of pocket medical expenses while employed). SERMA is treated by the IRS like a Health Reimbursement Arrangement (HRA) and is not considered taxable income to the retiree; therefore, no W2 or 1099 is issued to the retiree for the year(s) in which SERMA funds are used. It is important to note that SERMA can be used to pay certain insurance premiums ONLY. The retiree should not claim the premium expenses paid by SERMA reimbursements as itemized medical deductions on tax returns or receive tax credits from the IRS under the ACA, because that would be considered double pre-tax dipping and could result in additional taxes and/or penalties. If a retiree does plan to receive tax credits, there is a required option to opt-out of access to their SERMA account for that tax year by contacting Intel Health and Benefits. We recommend retirees check with their tax advisor when making decisions about how best to use SERMA funds.Note: SERMA ends when the balance is completely depleted, or if funds are not accessed by the retiree within 20 years, or if you and your eligible dependents are no longer living.

    To get more information on what types of healthcare insurance premiums can be reimbursed by SERMA (and more) go to the Intel Health and Benefits web site

    To access information about your specific SERMA account balance go to My Health Benefits or you can contact the Intel Health Benefits Center at 877-466-9236, choose the Your Spending Account option.

  1. If I want to remain enrolled in IRMP, may I use SERMA to purchase other coverage for my family? Yes, if you are enrolled in IRMP you may use SERMA towards IRMP premiums for yourself, while also requesting reimbursement for eligible non-IRMP premiums for your dependents.
  2. Can I use SERMA to purchase coverage for my spouse or dependent children? Yes, you can use your SERMA to purchase individual insurance for yourself, your spouse and your eligible dependent children.
  3. My wife and I are enrolled in IRMP. I recently became Medicare eligible. My wife is younger and is a ways from Medicare eligibility. Can I switch to other insurance and keep my wife on IRMP? You must remain enrolled in an Intel Retiree Medical plan if your wife wants to stay with this plan. You will have the option of choosing two IRMP plans available to Medicare eligible retirees; Cigna Indemnity with Rx and Cigna Indemnity without Rx – the primary difference is the without Rx plan does not include prescription drug coverage.

Basic IRMP FAQs: (for the full IRMP FAQs go to My Health Benefits)

  1. If I cancel my IRMP coverage, can I come back in at a later date? Yes, you may enroll in the IRMP during Annual Enrollment or with a change-in-status event, provided you show proof of 18 months of continuous health care coverage. Refer to the IRMP Summary Plan Description (SPD) for a list of all change-in-status events, and the Annual Enrollment Guide for more information. Remember, your enrollment form must be received by the Intel Retiree Health Service Center within 30 days of the date of your change-in-status event or by the Annual Enrollment deadline.
  2. What can retirees do to help control their health care costs? You play an important role as a health care consumer in helping keep costs down and getting the greatest value from your health plan. You can do this by being well informed and using your benefits wisely. For example, below are a few health care consumer tips to help you improve your health care experience and manage costs:
  • Generally, you should access health care in-network whenever possible to take advantage of your health plan’s provider network discounts. When you use out-of-network providers understand that your out-of-pocket costs are higher.
  • Follow your health plan’s guidelines when accessing services that require pre-authorization. When your doctor prescribes diagnostic tests or hospital services, work with your doctor and health care provider to understand all your available options. This will ensure you receive the most appropriate treatment at the right place and at the right time.
  • Generics are just as safe and effective as brand-name drugs, but they will cost less. Help keep costs down by requesting less-expensive generic prescription drugs in lieu of brand drugs whenever available and supported by your physician. Visit Express Scripts to review your prescription drug alternatives.
  1. Why can’t retirees enjoy the same plan rates as active employees?
  • Intel’s subsidy (amount Intel contributes toward the medical plan premiums) creates the noticeable difference between the premiums paid by employees and retirees. Intel, like most companies, subsidizes employee and family rates at approximately 75 percent. Plans available to Intel employees differ greatly from the IRMP plan available to retirees. The benefits, co-pays, deductibles, and maximum out of pocket amounts are totally different. 
  • Employer-sponsored employee plans typically have lower premiums because the risk is shared with a larger number of healthy policy holders in the risk pool.
  • Retirees tend to have more need for medical services when compared to younger employees, thus costs are generally higher.
  1. Is IRMP the best medical plan for early retirees? Retirees can often purchase individual health insurance plans that costs much less; contact your local State Health Insurance Marketplace for health insurance information and pricing.
  2. Where can I find more information about medical plans for retirees under age 65? The following resources may assist you in locating information about medical plans available on the open market:
  • Contact Aon Retiree Health Exchange by calling the Intel Health Benefits Center at (877) GoMyBen (466-9236); Say  “Retiree Health Exchange”
  • Talk to a licensed health insurance broker for your state
  • Try searching internet search engines for information on how to purchase medical insurance
  • Access the ACA Marketplace exchange for your state at

For Medicare Eligible:

  1. Does the IRMP provide primary coverage if I am under age 65 and enrolled in Medicare due to a disability? The IRMP coverage is designed to pay secondary to Medicare coverage whether you are eligible for Medicare coverage based on your attained age or because of a disability. Consult the IRMP Summary Plan Description for provision details.
  2. Is the IRMP Indemnity Plan a Medicare Supplement Plan? The IRMP CIGNA Indemnity Plan is not a Medicare Supplement plan – benefits are coordinated with Medicare. The CIGNA Indemnity plan will not pay costs that are paid by Medicare, regardless of whether you are actually enrolled in Medicare Parts A and B. What this means to you is CIGNA Indemnity benefits are reduced by the amount payable by Medicare whether or not you are enrolled in Medicare. It is critical to enroll in Medicare to maximize your total health care coverage. Consult the IRMP Summary Plan Description for additional details.
  3. Do I need to also enroll in a Medicare Part D (Prescription Benefit) Plan? If you are enrolled in IRMP CIGNA Indemnity with Rx, enrollment in a Medicare Part D plan is not required to receive maximum benefits because the coverage you get from IRMP is at least as good as Medicare Part D (creditable prescription drug coverage). Please see the Medicare Part D and Notice of Creditable Coverage for more information.

If you are enrolled in the IRMP CIGNA Indemnity without Rx (medical-only) plan, you should consider obtaining Medicare Part D coverage outside of Intel. If you fail to enroll in Part D or other creditable prescription drug coverage, you may be charged a higher premium for late enrollment in a Part D plan. Please visit for more information on Medicare Part D coverage.

Helpful Tips to Utilizing your SERMA/YSA Successfully

The Intel Retiree Organization has worked with Intel Benefits and would like to share the following helpful hints:

1.  Trouble accessing the YSA account at
If you are having trouble accessing the Aon Hewitt YSA account, the security settings on your computer may interfere with your access to the Hewitt website.

  • Tips on How to Check/Change your Computer Settings
    • Pop up blocker is turned on – resolve by turning it off
    • Wrong URL site in cookies – resolve by deleting cookies
    • Allow/enable cookies
  • Since there are a variety of browsers your best option is to select the help option and ask about pop up blocker and cookies. That will guide you on how to work with your system. Additionally, the My Health Benefits site has some information that may be helpful.

2.  Cookies
Hewitt tracks content usage and traffic on this site by using “cookies”, a feature of your browser. A cookie is a text file that is placed on your hard disk by a web page server. Hewitt uses cookies to help it compile aggregated statistics about usage of this site, such as how many users visit the site, how long users spend viewing the content of the site; it is not shared with any other party for any commercial purposes. You can set your browser to notify you when you are sent a cookie. This gives you the chance to decide whether or not to accept it. If you disable cookies however, you may not be able to take advantage of all the features of this site.

Resolving these issues will vary significantly based on the internet browser you are using. It is important to remember that if you are unable to resolve the issue you always have the option to submit claims via fax or mail. You can contact the Intel Health Benefits Center at 877-466-9236 for assistance with mail and fax options.

YSA/SERMA tool availability for NEW retirees
The YSA/SERMA tab will not be available to you until your retirement effective date, which is typically the 45 – 60 days after retirement.

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