Employee and Retiree Service Center → Retirees → Benefits for MCPS Retirees → Health Benefits → Medical Plans→ Medicare
The information on this page is valid through December 31, 2019. For benefit details and changes effective January 1, 2020, please visit our Retiree Benefits Open Enrollment web page.
Montgomery County Public Schools requires all participants in MCPS retiree benefits to enroll in Medicare Parts A and B when first eligible for Medicare in order to maintain medical and prescription benefits through MCPS.
If you do not enroll in Medicare Parts A and B as required, your MCPS medical and prescription benefits will be terminated.
This page will acquaint you with Medicare and tell you the specific steps you need to take to apply for Medicare coverage so that you don’t risk losing your MCPS benefits. You will find these steps under "Take Action" below. They include the requirement that you send a copy of your Medicare card with Parts A and B to the Employee and Retiree Service Center (ERSC) at least 60 days prior to the effective date of your Medicare coverage.
Medicare is the U.S. federal government health insurance program. Medicare helps to pay for health-related expenses such as hospital stays, doctors’ visits, and more.
Medicare is divided into three main parts:
The MCPS-sponsored prescription plans for Medicare-eligible individuals are Part D prescription plans:
More detailed information about Medicare and the type of coverage provided by each different part, please visit the Medicare website.
You and/or your dependent(s) are eligible for Medicare if you are:
An individual is eligible for Medicare the first day of the month you turn 65 if you have not qualified for enrollment before the age of 65. If you will be 65 on the first day of the month, you will be eligible for Medicare the first day of the previous month.
When you enroll in Medicare Parts A and B, your Medicare coverage becomes primary and your MCPS coverage becomes secondary.
Your MCPS monthly coverage premium will also be reduced to reflect the conversion of MCPS to secondary coverage. Please refer to the Retiree Benefit Summary for current premium rates with Medicare.
Enrollment in two Medicare Part D plans is not permitted for a retiree and/or dependent who has MCPS-sponsored prescription coverage.
Don’t risk losing your MCPS benefits! Begin the process of applying for Medicare Parts A and B at least three months prior to your eligibility.
Here are the steps to follow when applying for Medicare:
Retirees and dependents enrolled in medical benefits through Kaiser Permanente must submit the Kaiser Permanente application (PDF) directly to Kaiser Permanente.
Retirees and dependents enrolled in medical benefits through CareFirst BlueChoice should receive a coordination of benefits form directly from CareFirst. Contact CareFirst for additional information.