Employee and Retiree Service Center → Retirees → Benefits for MCPS Retirees → Health Benefits → Medical Plans
Information on this page is valid through December 31, 2017. For benefit details and changes effective January 1, 2018, please visit our 2018 Retiree Benefits web page.
Medical Plans for Retirees
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Medicare and Your MCPS Medical Plan
All participants in the MCPS Retiree Benefit Plan must enroll in Medicare Parts A and B when first eligible for Medicare in order to maintain prescription and medical health benefits through the MCPS Retiree Benefit Plan. Please be aware of how Medicare plays a role in your medical plan coverage.
Point-of-Service (POS) Plans
A POS plan combines features of an HMO and an indemnity plan. You receive care in one of two ways. There is an in-network HMO-like component offering a full range of services provided or authorized by your primary care physician or by an in-network specialist. In addition, there is an out-of-network component similar to traditional indemnity insurance.
Health Maintenance Organizations (HMO)
A health maintenance organization (HMO) plan offers a full range of services provided or authorized by your primary care physician (PCP) or by an in-network specialist. You may only receive benefits for medical services and supplies received from a network provider, except in a true emergency. However, you do not have to meet a deductible before the plan pays benefits.
Indemnity (PPO) Plan for non-Medicare Eligible Retirees
MCPS offers traditional fee-for-service indemnity plan options, administered by CareFirst and Cigna, for current plan participants and retirees who move out of the local service area. The plans both have a Preferred Provider Option (PPO) feature that allows retirees to receive discounts when they seek care from a participating provider. The benefits are similar to those provided under the out-of-network feature of the Closed POS plan.