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.
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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 January 1, 2012) |
| Amesbury |
Gloucester |
North Middlesex Reg. |
Salisbury |
| Amherst |
Granby |
Norwell |
Shawsheen Valley Reg. |
| Amherst-Pelham
Reg. |
Greater Lawrence Reg. |
Orange |
Spencer |
| Andover |
Hampden-Wilbraham Reg. |
Paxton |
Spencer-East Brookfield Reg. |
| Barnstable |
Harvard |
Peabody |
Stoughton |
| Billerica |
Holyoke |
Pelham |
Upper Cape Cod Reg. |
| Blackstone Valley Reg. |
Hudson |
Pioneer Valley Reg. |
Ware |
| Bourne |
Martha’s Vineyard Reg. |
Plainville |
Wareham |
| Braintree |
Milton |
Quabbin Reg. |
West Bridgewater |
| Bridgewater |
Monson |
Rehoboth |
Westfield |
| Cohasset |
Narragansett Reg. |
Revere |
West Springfield |
| Dedham |
Newbury |
Rockland |
Whitman-Hanson Reg. |
| Dennis |
North Adams |
Rockport |
Wilbraham |
| Eastham |
North Andover |
Rutland |
Woburn |
| Everett |
North Attleboro |
Salem |
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