Health Benefits
Open Enrollment
Open Enrollment Ended November 18
If you changed your health plan, you will receive your health plan ID card in mid-January, except for Delta Dental PPO. The Delta Dental PPO plan does not issue ID cards.
Health Benefits Guide
Use the 2025 Health Benefits Guide as your resource to:
- Familiarize yourself with your eligibility for benefits,
- Compare medical and dental plans,
- Help you with your enrollment in LACERS-sponsored health plans and
- Understand when and how you can change your and/or your eligible dependents’ health plan coverage
The 2025 Health Benefits Guide Supplement contains information for retirees whose medical subsidy was “capped” due to changes made to the Administrative Code in 2011. Members who retired on or after July 1, 2011, and did not make additional retirement contributions toward retiree health care receive the 2011 subsidy rate.
Medical, Dental, Vision Benefits and Plans
You are eligible to enroll in LACERS health plans if you are a retired City employee who receives a monthly retirement allowance from LACERS. Your LACERS Health Plan coverage is separate from your Active Employee Benefits coverage. If you are a new retiree, you will need to transition to LACERS Medical, Dental, and Vision coverage during the retirement process.
Evidence of Coverage
Evidence of Coverage (EOC) is a document that describes the coverage offered in LACERS-sponsored medical and dental plans.
Due to the various legal reviews (Federal, State, and Carrier), the EOCs for the 2025 plan year may not be posted at the time of Open Enrollment; they will be posted when they become available.
Medical Premium Reimbursement Program (MPRP)
If you live outside of a LACERS California HMO service area, or outside California but within the United States and its territories, MPRP could help you pay the premium of your chosen plan with your LACERS medical subsidy. You can participate in this program if you are an eligible Retiree or an eligible survivor.
Members enrolled in MPRP purchase their own insurance directly from an authorized federally-qualified HMO or state-regulated non-LACERS plan and are reimbursed quarterly up to the amount of their maximum monthly Medical Subsidy.