How Do I Know Which Healthcare Benefit I Have?
A quick check — with one edge case worth knowing about before you assume your hire date settles it completely.
💬 GLP Retirement MinuteCheck your hire date against September 4, 2012
Before that date: likely Premium Subsidy. On or after: likely the Personal Healthcare Fund.
Remember this date is separate from your pension plan boundaries
See Why Does My Hire Date Matter? — your healthcare track and your pension plan type use completely different cutoff dates.
Confirm officially in miAccount
Log into miAccount — your healthcare benefit type is shown clearly alongside your pension plan.
A small number of members hired before September 4, 2012 voluntarily opted into the Personal Healthcare Fund during a one-time conversion window that same year. If that's you, your hire date would suggest Premium Subsidy, but your actual benefit is PHF. This is exactly why Step 3 isn't optional — for most people the hire-date check is enough, but it isn't guaranteed for everyone.
The hire-date rule gets you the right answer most of the time and in seconds — but "most of the time" isn't the same as "always." A thirty-second miAccount login removes all doubt, which is worth doing before you plan around an assumption.