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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.