RMT Program for Municipal Health Insurance with the GIC

Not all municipalities participate in this program, but for those that do, the GIC already administers health, life, and dental benefits for certain retirees and survivors. If and when Municipal Employers with Retired Municipal Teachers (RMTs) transfer to the GIC, some special provisions apply. If a municipality is already participating in the GIC’s municipal health and optional dental program, it may not also participate in the RMT program.

Coverage Offered for Municipal Health Insurance

The types of plans the GIC currently offers Retired Municipal Teachers

There are five types of plans for non-Medicare RMTs: HMO, PPO, PPO-type, POS and Indemnity. There are two types of plans for Medicare RMTs: Medicare Advantage and Medicare Supplement. The current plan options are outlined in the latest GIC Benefit Guides.

Please note that the GIC must conduct a new health plan procurement every five years; current plans could change or end at that time; new plans may also be added.

Contribution Ratios for Retired Municipal Teachers (RMTs)

The contribution ratios that apply to RMTs after a municipality joins the GIC municipal program

Premium contribution ratios for those who transfer from the GIC’s RMT coverage to its Municipal Employer health coverage under Section 19 may not be more than 25% of premium, however the agreement to join the GIC may provide for payment  of less than 25%. This limitation is an exception to the general rule under Section 19 that contribution ratios may differ only by type of plan (i.e., HMO, PPO, Indemnity; Medicare or non-Medicare).

Under Section 23, the maximum health premium contribution for those who transfer from the GIC’s RMT coverage to the GIC’s Municipal Employer health coverage can be no more than 25% (and may be less than 25%).  As with all retirees, survivors, and their dependents under Section 23, RMTs’ contribution ratios generally may not be increased prior to July 1, 2014, with limited exceptions.

If a municipality decides to leave the GIC municipal program after joining it, that municipality's RMTs may not return to the GIC’s RMT program

According to law, they cannot transfer back to the RMT program when their Municipal Employer withdraws from GIC coverage. However, the former RMTs health premium contributions may not exceed 25%.