General Eligibility Requirements for Health and Dental Insurance:
- Generally, Tier I members who qualify for health and dental
insurance as an active employee will qualify for health and dental
insurance in retirement.
- The eligibility extends to the retiree and any of the retiree's
- When you retire you will have your own open enrollment period during
which you can choose among any of the available plans and add or drop
- Thereafter, each year there will be an annual open enrollment
during which you can switch between plans and add or drop dependents.
- However, you may make changes to your insurance coverage at any
point if there is a qualifying event, such as getting married, having a
child, or moving outside the geographic coverage area of your existing
Available Health Insurance Plans - In-State Retirees
- In-state retirees choose among the same health insurance plans they
had access to as active employees. In most cases these plans will be
offered at a lower cost (possibly at no cost) in retirement.
- Anthem and UnitedHealthcare Oxford offer three levels of coverage:
- Point of Service (POS)
- Point of Enrollment (POE)
- Point of Enrolment Gatekeeper (POE-G)
- Currently, in-state retirees must pay for any of the
POS plans, while the POE plans are offered at no cost
for in-state retirees and their dependents.
- Current year POS retiree premium shares are available by
following this link.
- Current health insurance plan options with no retiree premium
|Point of Enrollment -
|Point of Enrollment Plans
- Anthem State
BlueCare POE Plus
- Anthem State
Oxford HMO Select
- Oxford USA Out of Area plan
- Anthem Out-of-Area plan
- For specific information regarding the plans currently offered,
please refer to the retiree's health insurance planner:
Available Health Insurance Plans - Out-of-Area Retirees:
- As a general rule, retirees who are not Connecticut residents may
choose from the following Out-of-Area plans:
- Anthem Out of Area
- United Healthcare Oxford USA Out-of-Area plan
- Currently, there is no premium charge for those enrolled in an
Health Enhancement Program (HEP)
- The SEBAC 2011 agreement introduced a new program to enhance your
make the most informed decisions regarding your health
- Your participation in this program is voluntary. Your election as to
participate is made on the HEP Enrollment Form.
- Retirees not participating in the HEP are subject to an additional $100
insurance premium and an annual deductible of $350 per person for the first
family members they insure.
- Your agency Human Resource area or the Healthcare Policy and Benefit
Division can answer specific questions regarding this program.
Medicare's Impact on Retiree Health Insurance:
- As a state retiree, once you become eligible for Medicare (which
typically occurs at the age of 65 but may occur earlier under certain
circumstances), Medicare must serve as your primary health
insurance coverage. From that point forward, your state-sponsored
medical insurance will supplement your Medicare coverage.
- In order to maintain full health insurance coverage as a Medicare
eligible retiree, you will need to enroll in Medicare Parts A and B.
- The State currently reimburses 100% of the normal cost of Medicare
Part B for the retiree and eligible dependents.
- Currently, you only need to enroll in Medicare Parts A and B. There
is no need for you to enroll in Medicare's prescription drug plan (Part
D). Your state plan will continue to cover your prescriptions.
- As a state retiree, the State requires you to enroll in Medicare
Parts A and B regardless of whether you have actually commenced
collecting Social Security benefits.
Available Dental Plans
- Unlike retiree health insurance, your residency will not dictate the
dental plans available to you in retirement.
- All retirees have access to the exact same dental plans offered to
- Currently, the following dental plans are offered to active
employees and retirees alike:
- United Basic
- United Enhanced
- CIGNA DHMO
- Your dental coverage is subject to a retiree premium share in
retirement. The Retiree Healthcare Options Planner illustrates the
current cost at the
Group Life Insurance
- If you participate in the state-sponsored basic group life insurance
plan as an active employee, you will qualify for a paid-up policy in
- This benefit only applies to the basic group life insurance
policies. It does not extend to other supplemental life insurance plans
offered through the state.
- If you have 25 years or more actual state service:
- You will receive a paid-up policy reduced to one-half of your basic
- If you have less than 25 years actual state service:
- You will receive a prorated paid-up policy, based on your years of
- You may convert remaining portion at your own expense without
evidence of insurability if you act within 30 days of retiring.