Employee and Retiree Service Center → Retirees → Benefits for MCPS Retirees → Health Benefits → Medical Plans
The information on this web page is valid through December 31, 2024. For benefit details and changes effective January 1, 2025, please visit the Retiree Benefits Open Enrollment web page.
Medical Plans for Retirees
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Medicare and Your MCPS Medical Plan
All participants in the MCPS Retiree Benefit Plan must enroll in Medicare Parts A and B when first eligible for Medicare in order to maintain prescription and medical health benefits through the MCPS Retiree Benefit Plan. Please be aware of how Medicare plays a role in your medical plan coverage.
- Learn more about Medicare and your MCPS benefits
Open Access Plus (OAP) Plan
The Open Access Plus (OAP) plan is designed to provide the highest quality healthcare while maintaining the freedom to choose from a wide selection of personal physicians. You have the option to choose a PCP who specializes in one of these areas: family practice, internal medicine, general medicine, or pediatrics. Your PCP or personal physician can be a source for routine care and for guidance if you need to see a specialist or require hospitalization. With this plan, you have the option to go to any medical person and facility. However, when choosing the providers in the OAP network, your benefit coverage will be greater than opting to receive services outside the network.
- More information about the POS plan is in the Retiree Benefit Summary (PDF)
- Review coverage and costs of the OAP plan (PDF)
Your Option
Open Access Plus In-Network (OAPIN) & Health Maintenance Organization (HMO)
The Open Access Plus In-Network and health maintenance organization (HMO) plans offer a full range of services provided or authorized by your primary care physician (PCP) or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.
- More information about the HMO and OAPIN is in the Retiree Benefit Summary (PDF)
- Compare coverage and cost of HMO & OAPIN (PDF)
Your Options
Indemnity (PPO) Plan for non-Medicare Eligible Retirees
MCPS offers traditional fee-for-service indemnity plan options, administered by Cigna, for current plan participants and retirees who move out of the local service area. The plan has a Preferred Provider Option (PPO) feature that allows retirees to receive discounts when they seek care from a participating provider.
- More information about the Indemnity PPO plans is in the Retiree Benefit Summary (PDF)