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Home > Members > Retirees > Health insurance
 

Health insurance

NOTES TO RECENT AND SOON-TO-BE RETIREES:

  • While you are an active educator, your health insurance premiums may have been withheld on a pre-tax basis. Please note, however, that the IRS requires that retirees’ insurance premiums be withheld on an after-tax basis.
  • Regardless of the group insurance program you may be offered after your retirement, you should contact your local insurance coordinator approximately three months prior to your effective date of retirement in order to obtain the necessary forms for coverage. Likewise, please review our information on Medicare.

Health insurance for retired members of the MTRS is not provided by the MTRS, but, rather, is a local contractual benefit. Most school districts offer continued health insurance to their retirees and either:

  • participate in the Retired Municipal Teachers’ (RMT) Program or
  • offer their own group insurance plan.

How this insurance will be administered depends upon which school system you are retiring from. Since health insurance coverage is a very important issue for you as you consider your retirement, you may want to investigate your options several years prior to your actual retirement.

For more information on your health insurance coverage options in retirement, if your district:

  • Participates in the Retired Municipal Teachers’ (RMT) Program (see list, below), contact the Group Insurance Commission at mass.gov/gic, or 617-727-2310.
  • Is not listed as participating in the RMT Program, below, please contact your local insurance coordinator. (Note: Your city or town may participate in the “GIC Municipality Program.” If so, you should still contact your local insurance coordinator as he or she will administer your coverage, which is provided through the GIC.)

Districts participating in the Retired Municipal Teachers’ (RMT) Program
(as of October 2008)

Amesbury Granby North Middlesex Reg. Shawsheen Valley Reg.
Amherst Greater Lawrence Reg. Norwell Spencer
Amherst-Pelham Reg. Hampden-Wilbraham Reg. Orange Spencer-East Brookfield Reg.
Andover Harvard Paxton Stoneham
Barnstable Hingham Peabody Stoughton
Billerica Holyoke Pelham Upper Cape Cod Reg.
Blackstone Valley Reg. Hudson Pioneer Valley Reg. Ware
Blue Hills Reg. Lawrence Plainville Wareham
Bourne Martha’s Vineyard Reg. Quabbin Reg. Watertown
Braintree Medford Randolph West Bridgewater
Bridgewater Milton Rehoboth Westfield
Cohasset Monson Revere West Springfield
Dedham Narragansett Reg. Rockland Weymouth
Dennis Newbury Rockport Whitman-Hanson Reg.
Eastham North Adams Rutland Wilbraham-Paxton
Everett North Andover Salem Woburn
Gloucester North Attleboro Salisbury