Health Benefits

Health Benefits

Overview

Retired members are eligible to receive a monthly medical plan premium and a dental plan subsidy to cover some or all of their health care premium. A subsidy is a monthly dollar credit applied to the cost of your medical plan premium. The premium is the monthly cost of insurance coverage for a LACERS retired member and any dependents. Your subsidy may or may not cover the total cost of your monthly premium. If your subsidy is less than your monthly premium, the balance is deducted from your retirement allowance.

Your LACERS Health Plan coverage is separate from your Active Employee Benefits coverage, and you will need to transition to LACERS Medical, Dental, and Vision coverage during the retirement process. You will make your plan selections during your counseling session.

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Medical Plan Subsidy Eligibility

Your subsidy eligibility is based on your age and your whole years of Service. To be eligible for a subsidy, you must:

  1. Be at least age 55;
  2. Have a minimum of 10 whole years of Service;
  3. Enroll in a LACERS-sponsored medical plan or be a participant in the Medical Plan Reimbursement Program (MPRP)

Full-time employees receive 4% of the maximum medical subsidy for each year of Service Credit.

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Dental Benefit

Your monthly dental subsidy amount is based on your years of Service Credit and applied toward the monthly cost of your dental premiums. To be eligible for a LACERS dental subsidy, you must:

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Vision Benefit

There are no additional eligibility requirements to be met for vision coverage if you qualify to enroll in a LACERS medical plan. Your vision benefits are determined by the medical plan in which you enroll.

Eligible Dependents

You may enroll eligible dependent(s) in a LACERS health plan. However, dependents do not receive a separate medical plan premium subsidy.

An eligible dependent may be a:

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Medical Premium Reimbursement Program (MPRP)

LACERS Medical Premium Reimbursement Program (MPRP) is intended for use by those who live outside of the coverage areas for the LACERS sponsored medical plans.

Under this program, LACERS may reimburse you up to the amount of the monthly medical subsidy for which you qualify for medical premiums you pay to a federally-qualified HMO or State-regulated non-LACERS medical plan. You may also be reimbursed for vision insurance and Medicare Part D premiums if they are not part of your non-LACERS medical plan.

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