UnitedHealthcare has announced that enrollment is open under Group Policy GA-23111.
From November through December 2018, any individual who is eligible for coverage under one of the GA-23111 plans can enroll and will be accepted for coverage without any medical underwriting or requirement of good health. This includes family members who may not already be covered by the policy.
There are no limitations for pre-existing conditions, and coverage will be effective Jan. 1, 2019.
Only applicants whose completed enrollment forms are postmarked in November or December 2018 will be considered for enrollment.
This enrollment is for former railroad employees (and their dependents) who:

  • Were previously covered under any railroad health plan and were represented by a railway labor organization, or
  • Were members in accordance with the constitution or bylaws of one of the participating railway labor organizations when coverage under their applicable group health plan ended.

Open enrollment under Plan F is available for railroad employees’ parents or parents-in-law who are eligible under Medicare.
For persons eligible for Medicare, call 800-809-0453 for more information.
For persons not eligible for Medicare, call 800-842-5252 for more information.
To get an enrollment form, visit www.yourtracktohealth.com and follow the “Plan Your Retirement” link at the top of the home page, then visit “Essential Forms” and then “Group Policy GA-23111 Enrollment Form.”
A PDF with more information about GA-23111 is available for download.
An open enrollment period for GA-23111 Plan E also is underway in November and Decemeber.
GA-23111 Plan E is made available by rail labor organizations and pays 70 percent on eligible expenses of the 20 percent not covered under GA-46000, which is the Railroad Employees National Early Retirement Major Medical Benefit plan (ERMA). Combined, GA-46000 and Plan E cover 94 percent of your eligible expenses.

  • Plan E has a $100 calendar year deductible per individual.
  • Plan E adds an additional lifetime maximum amount of $500,000 for you and each enrolled dependent, which is much higher than for GA-46000 alone
  • Plan E has some benefits for routine and/or preventive benefits. For example, covered expenses for pap smears and mammograms are payable in full at 100 percent and not subject to the calendar year deductible. However, the charge for the office visit in connection with the preventive service is not payable under Plan E.

A PDF with more information about Plan E also is available.


Charlene Payne, a long-time UnitedHealthcare representative for the Railroad Accounts, passed away unexpectedly Saturday, December 17, 2016.
Payne was a dear friend to many at SMART Transportation Division, and her passion and dedication in serving all railroad members was remarkable.
In 1987, she joined one of United Healthcare’s legacy companies, The Travelers Insurance Company, as a member services consultant for Railroad Accounts. She continuously served our railroad members in various roles, most recently as the manager of member relations.
Payne traveled extensively throughout the country meeting with union leaders and their dependents. She shared her expertise by explaining railroad health benefits and eligibility provisions for both active employees and retirees. Over the years, Payne developed close relationships with many railroad members by answering their questions and resolving their problems with care and compassion.
“Charlene was my go-to person whenever our members had problems with their health care issues,” said SMART TD National Legislative Director John Risch. “Beyond her years of dedication to our members, Charlene was a wonderful person and a good friend. We share with her family in the sorrow of her passing.”
Everyone who knew Charlene will miss her knowledge, professionalism, friendliness and unwavering dedication to assist SMART TD members and retirees.
Private funeral services will be held Friday, Dec. 23 in Salt Lake City, Utah. Flowers may be sent to Jenkins-Soffe Funeral Chapels & Cremation Center, 1007 W. South Jordan Parkway, South Jordan, UT 84095.
Donations may be made in Payne’s memory to the Humane Society of Utah, P.O. Box 573659, Murray, UT 84157-3659; or, to the American Red Cross – Donations, 555 East 300 South, Ste. 200, Salt Lake City, UT 84102.

Railroad employees and/or their eligible dependents covered under the national railroad medical, prescription drug, dental, vision, and life insurance benefits plans may now find information about those benefits on a single web page.

The Railroad Information Depot webpage address is www.rrinfodepot.com 

Note that this web site pertains only to the nationally negotiated railroad health and welfare plans. If you and/or your eligible dependents are not covered by those benefits plans – and this includes Amtrak employees – you should continue to seek information about your health care benefits from your employer.

Each of the benefits administrators for rail employee health care insurance negotiated under the national railroad medical, prescription drug, dental, vision, and life insurance benefits plans hosts a home page at the Railroad Information Depot. The providers include Aetna, Highmark, MetLife, Medco, vsp, and United Healthcare.

By logging on to www.rrinfodepot.com, rail employees will find a central point of access for information about health care benefits, regardless of which benefits administrator provides coverage.

Here are some of the categories that will be available at the new website:

* Information on completing a health risk assessment to help you stop smoking, lose weight or become a happier person.

* Tips on reducing risks of developing cardiovascular disease, diabetes and other chronic diseases that are largely preventable.

* Alerts and important dates regarding annual open enrollment periods.

* Current topics of interest and news on specific health issues.

* On-line access to each of the summary plan descriptions.

* Information on medical care, mental health, substance abuse, disease management, wellness programs, pharmacy, dental care, life insurance, vision care, and sickness benefits – regardless of the health care benefits administrator.

* Links to network providers, helpful tools and educational materials, contact information, and the various forms necessary for filing for benefits.

* A dedicated retirement section providing information and links to assist you in transitioning into retirement.

* Railroad Enrollment Services information to ensure you understand who is eligible for coverage under your plan and the documentation required.

Once at the website, you will be able to navigate over a topic to read more about what it offers; and, if it’s what you are looking for, you will need only to click on the topic to find more in-depth information.

Again, the website is:


During November and December, UnitedHealthcare will hold an open enrollment under railroad plans GA-23111.

During this open enrollment period, any individual eligible for coverage under one of the GA-23111 plans may enroll and be accepted for coverage without medical underwriting or requirement of good health.

There are no limitations for pre-existing conditions.

Enrollment in November and December is for coverage effective Jan. 1, 2011.

Only those applicants who mail their completed enrollment forms in November or December will be considered for open enrollment.

The next opportunity to enroll during an open enrollment period will not be until November 2012, consistent with the plan’s two-year open enrollment cycle.

This open enrollment is:

  • For those covered under any railroad health plan and represented by a railroad labor union.
  • For those who are members in accordance with the constitution or bylaws of one of the participating railroad labor unions when coverage under the employer group health plan applying to them ends.

If you, or someone you know, meets the GA-23111 eligibility provisions, open enrollment provides an opportunity to become covered.

You may also enroll your spouse or eligible children if they are not currently covered. In addition, enrollment under Plan F is available for your parent or parent-in-law. Anyone interested in enrolling should call one of the following phone numbers to obtain an enrollment form or additional information:

  • For persons eligible for Medicare, call (800) 809-0453.
  • For persons NOT eligible for Medicare, call (800) 842-5252.  Note: Enrollment during November and December of the open enrollment period provides for coverage effective the following calendar year, Jan. 1 through Dec. 31. Each June 1 of that calendar year, and only at that time, adjustments to the premium for all plans under GA-23111 may occur. Additionally, if you are enrolled in either Plan A, B or C under GA-23111, and a change in the premium amount you pay does occur, you will be allowed, at that time, to switch your plan to a different plan (A, B, or C) with a lower premium, if available.

Here’s an opportunity to save a 44-cent stamp and better assure your UnitedHealthcare payments for GA-23111 plans and COBRA coverage arrive on time.

It’s called electronic funds transfer, or EFT, and it permits your UnitedHealthcare premiums for GA-23111 plans and COBRA coverage to be automatically deducted from your checking account, even when you are away from home.

Using EFT, says UnitedHealthcare, provides peace of mind that your insurance premiums reach UnitedHealthcare on time and that you always will pay the proper rate and that the proper amount will be deducted from your checking account.

Your EFT payments will show up on your bank statement.

To sign up with UnitedHealthcare for EFT:

  • Print out and complete the downloadable form provided below, and sign it.
  • Attach a void check.
  • Send the completed and signed form, with the voided check, to:
Railroad Accounts: EFT
450 Columbus Blvd.
Hartford, CT 06103

You should continue making your monthly payments by check until notified that your monthly automated withdrawal will occur. You will receive a “verification of electronic premium withdrawal” statement, which will replace the monthly billing statement. The statement will advise the date when the withdrawal will take place and the amount to be withdrawn.

Also, premiums must be paid through the current period in order to enroll.

Answers to questions can be obtained by calling UnitedHealthcare at (800) 842-5252.

Click here for the enrollment form.