Age Rated Medical Deduction

Hello,

Currently I am dealing with an issue where I have a medical plan that the rates are calculated on age ranges of 0-64 and then 65 and above. At age 65, the payroll deduction would increase to the 65 rate. Currently Peoplesoft is increasing the rates on the first month of the 65 year. Meaning, an employee turn 65 in August 2019, the 65 rate will begin on January 2020. We are trying to have the rate start either at renewal, 11/1 or after the birthday month, August. Has anyone dealt with this type of setup and if so how can it be handled?