MBUSI Retirees
This is your official, one-stop resource where you can learn about your MBUSI retiree benefits, read about important updates and connect with key benefits resources.
ANNOUNCEMENTS
Open Enrollment
September 29, 2025 – October 10, 2025
Be on the look out for an email from Aptia for more information.
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MBUSI and retirees share the cost of retiree medical coverage, which is driven by several factors: the collective amount of health care used by plan members, the cost of medical care, prescription drug prices, and administrative expenses. The U.S. has seen medical costs rise faster than other inflation-impacted categories like groceries and gas. We’ve also seen drug prices skyrocket, especially in the past year. These trends directly impact the cost of health insurance, which often pays out more than it takes in. |
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MBUSI has committed to maintaining the same financial support for 2026 as we’ve provided in previous years. The specific amount that MBUSI pays toward your medical plan cost is determined by retiree’s earned points, which equals age at retirement + years of service, and a predetermined contribution cap, which ensures financial sustainability for our company. MBUSI will continue to pay a significant percentage of your health insurance premiums, but because MBUSI’s contribution is capped and healthcare expenses continue to increase, the amount that retirees pay for premiums will need to increase. |
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Despite these cost increases, MBUSI retiree health insurance still offers valuable coverage that saves you money over other independently obtained health insurance options. |
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It’s important to note that while many employers no longer make the investment to provide retiree medical coverage, MBUSI continues to offer this valuable coverage to you and your dependents. |
If you’re happy with the coverage you have now, you do not need to take action. Your current benefits will continue in 2026.
- Change the benefits you have now
- Add new benefits
- Add new dependents
Benefits Administration Update
Mercer is now branded under Aptia. Please use the following contact information
Post-65 Retiree Exchange – (855) 296-2408
Post 65 HRA Portal – (844) 806-3808
Pre-65 Benefit Enrollment – (844) 287-9492
Pre-65 Premium Billing– (844) 732-1857
Premium Payments
Aptia will mail invoices the first Saturday of every month. Retirees will have the option to sign up for Electronic Funds Transfer (EFT) to have funds withdrawn to pay for premiums. Alternatively, there is the option to make a direct payment from a bank to pay the bill securely online or mail a check to:
MBUSI Billing Service Center
PO Box 77123
Minneapolis, MN 55480-7702
CuraeChoice
What is CuraeChoice?
CuraeChoice is a benefit program that offers radiology, surgery, oncology, physical therapy, ob-gyn and chiropractic care at NO COST TO YOU! This means, $0 premiums, $0 copays and $0 deductibles for services within the CuraeChoice network of providers and facilities.
*NOW OFFERING DENTAL AND PRESCRIPTIONS!
Am I eligible?
Services are available to MBUSI retirees and their eligible dependents who are under the age of 65 and are enrolled in a MBUSI retiree medical plan.
How do I get CuraeChoice services if I am eligible?
You need a vCard to access CuraeChoice services. To request your CuraeChoice vCard, click here. If you experience challenges downloading your vCard, please contact CuraeChoice directly at 800-646-9823 or support@curaechoice.com.
How do I find out more information or if services are covered under CuraeChoice?
For more information or to find a provider, read the FAQs , call 800-646-9823, or watch this video.
WHERE TO GO FOR HELP
FOR MBUSI RETIREES UNDER AGE 65:
Contact Aptia at 1-844-287-9492 for a licensed benefits counselor to help assist with your healthcare benefits.
Contact Aptia at 1-844-287-9492 for billing.
FOR MBUSI RETIREES AGE 65 AND OLDER:
Contact Aptia at 1-844-296-2408 for a licensed benefits counselor to help assist with your healthcare benefits.
FOR UNDER-65 SPOUSES OF MBUSI RETIREES AGE 65 OR OLDER:
Contact Aptia at 1-844-287-9492 for a licensed benefits counselor to help assist with your healthcare benefits.
Contact Aptia at 1-844-732-1857 for billing.
FOR RETIREMENT FINANCIAL PLANNING:
Contact Voya Retirement Planning at 1-855-728-7609 to speak to a financial advisor.
Contact MBUSI 401(k) Plan at 1-866-339-5281 for general 401(k) questions about your account.