Non-Medicare Eligible Retiree Health Insurance Information

Retirees and/or dependents who are not Medicare eligible will be enrolled in the Cigna Open Access Plus (OAP) or Cigna Point of Service (POS) health insurance plan until they become Medicare eligible.  Retirees can change between plans only during Open Enrollment. Dependents can be dropped at anytime but this is a permanent decision as they cannot be added back on the plan in the future.  

Retiree health insurance is bundled and enrollment includes medical, prescription, dental and vision plans.  The plans for non-Medicare eligible retirees are: 

  • Cigna Medical Plan (OAP or POS)

  • Express Scripts Prescription Plan 

  • Delta Dental Plan 

  • Davis Vision Plan 

Once a retiree or dependent becomes Medicare eligible (at age 65 or at any age due to a disability), they are required to enroll in Medicare Parts A & B and will be enrolled in the LCPS Medicare Supplement Plan. We recommend you apply for Medicare three months prior to your Medicare eligibility date. A copy of the Medicare card must be submitted to the Employee Benefits office as early as possible.  Enrollment changes will be made the first of the month following submission of the required documents or the effective date of Medicare, whichever is later.   Visit the Medicare Eligible Retiree Health Insurance Information page for more information on benefits for Medicare Eligible retirees.  

Find benefit plan summaries, forms and vendor contact information by clicking on the topics below. 

Plan Information and Premiums