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Home > Members > Retirees > Health insurance
 

Health insurance

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.

If your school district is listed in the chart below, you may participate in the RMT program; if it is not listed, you should refer to Local coverage administered by your local employer.

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.

 

Districts participating in the Retired Municipal Teachers’ (RMT) Program
(as of July 1, 2008)

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