Employee and Retiree Service Center → Retirees → Benefits for MCPS Retirees → Health Benefits → Medical Plans
The information on this page is valid through December 31, 2019. For benefit details and changes effective January 1, 2020, please visit our Retiree Benefits Open Enrollment web page.
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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.
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.
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.
MCPS offers traditional fee-for-service indemnity plan options, administered by CareFirst, for current plan participants and retirees who move out of the local service area. The plan has a Preferred Provider Option (PPO) feature that allows retirees to receive discounts when they seek care from a participating provider.