ACERA retired members, dependents, and survivors have the opportunity to enroll in medical, dental, and vision plan coverage. Additionally, members may be eligible for subsidies to offset the costs of these plans.
Retired members or non-member payees (e.g., eligible spouses or domestic partners) who receive an ACERA monthly retirement allowance and who live within a plan’s designated service area are eligible to enroll in an ACERA-sponsored medical, dental, and/or vision plan.
You can enroll in or make changes to your medical, dental, and vision coverage elections at any of the following times:
During ACERA’s annual Open Enrollment period
Within 30 days of a status change event, such as Medicare eligibility, marriage/domestic partner registration, divorce/ dissolution of a registered domestic partnership, birth, adoption, or loss of other group health plan coverage; see list below
ACERA offers a range of medical plan options to ACERA retirees, dependents, and survivors who are receiving a monthly retirement benefit from ACERA. The plans available, their coverage levels and costs, are subject to change from year-to-year. Members who qualify can receive a Monthly Medical Allowance to offset the costs of the medical plans.
Non-Medicare Medical Plans
ACERA offers the following Non-Medicare medical group plans to members who are not yet eligible for Medicare (generally, those under age 65):
Medicare is a health insurance program administered by the U.S. government for people age 65 or older, under age 65 with certain disabilities, and any age with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a kidney transplant). Qualified Medicare-eligible ACERA members, dependents, and survivors can select a medical plan through ACERA that works in conjunction with the federal Medicare system.
When you or your dependents become eligible for Medicare (usually at age 65), in order to keep or enroll in group health coverage through ACERA, you are required to enroll in and be covered by Medicare Parts A and B and maintain that coverage. After you are enrolled in Medicare, you may enroll in an ACERA Medicare Plan, which is a medical insurance plan offered by ACERA that works in conjunction with your federal Medicare coverage.
For retired members who will be eligible at age 65, ACERA encourages you to begin the process for enrolling in Medicare at least 90 days prior to your 65th birthday. Begin by contacting the Social Security Administration at 1-800-772-1213 to verify your eligibility for Medicare. Medicare will typically automatically enroll you in Medicare Parts A and B within this time period, and send you a letter notifying you of your approval for Medicare and the date Medicare will go into effect.
ACERA offers Medicare plans to individuals who are eligible for Medicare (generally, those over age 65). These ACERA plans works in conjunction with your Medicare coverage provided to you by the U.S. government. The plans may change from year to year:
Dental and vision care are currently offered as non-vested benefits. These plans are reviewed by the ACERA Board of Retirement annually, and the continuation of these benefits is based on available funds.
ACERA’s dental and vision plans, offered through Delta Dental and Vision Service Plan (VSP) respectively, provide participants with access to coverage through a nationwide network of providers. Contact the carriers for a complete list of participating dental and eye care professionals in your area.