Health Benefits

Retiree Health Benefits


Keep apprised of your benefits. Review this section for carrier information, services, and Medicare requirements. 


Open Enrollment

Open Enrollment will be your opportunity to enroll in a health or dental plan, change your plan or add eligible dependents. Changes made during Open Enrollment become effective January 1, 2024.

For the 2024 plan year, Open Enrollment will be held from October 16, 2023, to November 16, 2023. The 2024 Open Enrollment Packet will be mailed to all retired Members in early October. 

If you do not wish to make changes to your LACERS health or dental plan, no action is required. Your current plans will remain effective for the new plan year. 


Health Benefits Guide

Use the 2023 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 you and/or your eligible dependents’ health plan coverage

The 2023 Health Benefits Guide Supplement is 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.


Medicare Enrollment Required at Age 65

In order to continue to qualify for a LACERS medical plan premium subsidy and be eligible for coverage in a LACERS-sponsored medical benefit plan, retired members, eligible surviving spouses/domestic partners and dependents must, upon turning age 65 or becoming eligible due to a disability, enroll in Medicare. Please refer to the “Medicare and LACERS Health Benefits” section of the Health Benefits Guide and our Medicare FAQ.

Additional resources and reading materials:


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 2023 plan year may not be posted at the time of Open Enrollment; they will be posted when they become available.


Free Gym Membership

SilverSneakers for Anthem, SCAN, UnitedHealthcare Enrollees

SilverSneakers is a health and fitness program designed for older adults and includes access to gyms and fun exercise classes for all fitness levels. SilverSneakers offers virtual classes through both their website and their Facebook page.

Silver&Fit for Kaiser Senior Advantage Enrollees

With easy access to fitness centers that meet your needs and classes tailored for older adults, the Silver&Fit program is an excellent way for you to stay active while aging. Silver&Fit offers virtual classes through both their website and their Facebook page.


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.

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