COVID-19: Health resources for retirees on our health plan

If you are a retiree who is under 65 and on our health plan, we’ve provided resources you can use anytime.

Free testing for coronavirus (COVID-19):

We’ve worked with our providers so that testing for COVID-19 is covered as a preventive procedure at no cost to anyone covered by the Alliant Energy health plan.

If there is a cost associated with the test, you or any member of your family covered under the plan can show your Anthem card. The provider will submit the claim to Anthem and the testing will be covered at 100%.

LiveHealth Online

This telemedicine program allows you to visit a doctor face-to-face without ever leaving your home.

You meet the doctor online on your laptop, tablet or smart phone. 

This lessens the potential of being exposed to colds, flu and COVID-19, that might be lingering in a waiting room. 

It also provides access to therapists, psychiatrists and psychologists if you are experiencing behavioral health-related issues. 

There are fees for these services. Go to to get started.

Health Advocate

This free service provides resources to help you navigate your health care. The service includes Personal Health Advocates to help you with insurance questions, explain complex medical conditions, find doctors, coordinate appointments and much more!

Another great feature is the Health Cost Estimator+. As the name suggests, it helps you estimate the cost of procedures and services.

You can register for HealthAdvocate via their website, or mobile app. The app for your mobile device is available on the App Store or Google Play.


2020 Premiums

plan type 2020 total monthly cost 2020 in contract* monthly retiree cost 2020 out of contract* monthly retiree cost
$1,014.99 $146.08 $443.99
Employee plus one
$2,029.96 $350.59 $887.96
$3,085.55 $543.40 $1,349.55

*How do I know if I am “in contract” or “out of contract”?

Out of contract rates apply to:

  1. Non-bargaining retirees hired prior to 12/25/2005. If you were hired on or after 12/25/2005, you have access-only coverage at full premium cost.
  2. Union retirees eligible for retiree medical subsidy outside the bargaining unit contract.
  3. Union retirees whose group is not listed in the “in contract” chart below.

In contract rates apply if you meet BOTH hire date and retirement date requirements outlined in the chart below. (Click "In-Contract Rate Requirements.")

NOTE: If your status changes from “in contract” to “out of contract” due to a new union contract, your premiums will not change until January 1 of the following year.


How to pay your premium

If you do not have a pension or chose a lump-sum payout for your pension, you will receive a monthly invoice from the Benefits Service Center.

Dental and vision insurance

You and/or your spouse and dependents are eligible for dental and vision insurance until age 65. Dental insurance is administered through Delta Dental. Vision insurance is included in the medical plan through Anthem.

Eligible retirees will pay the Retiree Monthly Cost in the Dental Plan Rate chart below under the Bargaining or Non-Bargaining group that you were affiliated with when you retired. If your union group is not identified in the Dental Rate chart, the Non-Bargaining cost will apply.

Dental Plan design and cost share of rates differ for groups based on contractually agreed upon components. You can access your specific plan design online at or by calling Delta Dental Customer Service at 800-236-3712.

Please Note: Total Monthly Cost will apply if you have Access Only early retiree coverage (not eligible for company subsidy).

Name of Group at Retirement 2020 Total Monthly Cost 2020 Retiree Monthly Cost
Dental WPL Local 965
Single   $42.70  $12.81
Employee Plus One   $84.79 $25.44
Family $127.53 $38.26
Dental IPL Locals 204 DBQ & Mason City AND Local 949     
Single   $33.70   $8.43
Employee Plus One   $65.90 $16.48
Family $114.56 $28.64
Dental IPL Local 204 Large Group    
Single   $33.70   $8.43
Employee Plus One   $65.92 $16.48
Family $114.56 $28.64
Retiree Dental Plan - Non Bargaining    
Single   $43.66 $10.92
Employee Plus One   $87.32 $21.83
Family $128.27 $32.07

Health Advocate benefit

Health Advocate is a benefit available to you. Health Advocate can help you navigate the complex healthcare system. Use Health Advocate to:

  • Find a doctor in-network
  • Review costs for procedures
  • Aid in the claim appeals process
  • And much more!

Opting out of the medical plan

There is a one-time opt-out option for the medical plan. To opt out of the medical plan, contact the HR Service Center at (608) 458-8458.

Life insurance

If you have questions about life insurance policies, please fill out the Contact Us form. Information will be mailed to you. There will not be a follow-up phone call.