Health Insurance for Retirees with Medicare

Enrolled in Medicare? Learn about the key differences between our Medicare-coordinated plan design options, costs for pharmacy services, available health plans and monthly premium amounts

Plan Year
  • 2024
Program Option
  • Local High Deductible Health Plan with Uniform Dental (PO7) & Supplemental Benefits

Health Insurance for Retirees with Medicare

Enrolled in Medicare? Learn about the key differences between our Medicare-coordinated plan design options, costs for medical services, available health plans and monthly premium amounts

Plan Year
  • 2024
Program Option
  • Local Health Plan with Uniform Dental (PO6) & Supplemental Benefits

Health Insurance for Retirees with Medicare

Enrolled in Medicare? Learn about the key differences between our Medicare-coordinated plan design options, costs for medical services, available health plans and monthly premium amounts

Plan Year
  • 2024
Program Option
  • Local Deductible Health Plan (PO14) & Supplemental Benefits
LAHP Cover Image

Local Annuitant Health Program (LAHP)

Learn more about health, dental and wellness benefits - for certain local retirees and surviving dependents.

Plan Year
  • 2024
Program Option
  • Local Annuitant Health Program (LAHP)

Health Insurance for Retirees with Medicare

Enrolled in Medicare? Learn about the key differences between our Medicare-coordinated plan design options, costs for medical services, available health plans and monthly premium amounts

Plan Year
  • 2024
Program Option
  • Local Deductible Health Plan with Uniform Dental (PO4) & Supplemental Benefits

How an HDHP Works

High Deductible Health Plans (HDHPs) usually have lower monthly premiums than plans with lower deductibles. By using the untaxed funds in your Health Savings Account (HSA) to pay for expenses before you reach your deductible, you reduce your overall healthcare costs.

There are three types of expenses associated with an HDHP: deductible, coinsurance, and out-of-pocket limit. These may work differently than you expect if you haven't had an HDHP before.

Program Option
  • State Employee and Retiree Health Plan & Supplemental Benefits
Plan Year
  • 2024
Video
3 minutes
Woman talking to doctor in office

Get Medical Care When You Need it Fast

Have you ever needed medical care and didn’t know where to turn? In this video you'll learn about your care options and the advantages of each, including which is easiest on the wallet.

What a Guardian Can Do

Each time a guardian makes a request on behalf of a member, ETF will review the Letters of Guardianship of the Estate. The request will be approved or denied based on the authority granted in the letters.

An ombudsperson sitting at a desk with a member going over information.

Benefits Dispute

Learn how to address a benefits dispute and how Ombudspersons Services can help.