Retiree: Health Coverage
Plan Administrator Change
As of January 1, 2022, Pinellas County's health coverage will have new plan administrators. The plans and premiums will not change. For non-Medicare eligible retirees, the administrator will move to Cigna from UnitedHealthcare.
For Medicare-eligible retirees, the administrator will move to Aetna from UnitedHealthcare.
For more information, see 2022 Annual Enrollment for Retirees.
Pinellas County provides medical health coverage to its retirees through UnitedHealthcare. Your enrollment form must be received by Benefits within 31 days of your leaving active employment. This is your only opportunity to enroll in the group plans. Plan design and premiums can be changed at any time with approval from the Board of County Commissioners.
All documents are in PDF format.
Group Health Plan coverage is available to all
retirees if you meet the following eligibility requirements:
- You are a participant in the FRS Pension Plan and are leaving County service to receive regular, early, or disability retirement benefits, or
- You are a participant in the FRS Investment Plan, are leaving County service and either meet the age and service requirements to qualify for normal retirement (age 62 and vested or 30 years of service if hired before July 1, 2011 or age 65 and vested or 33 years of service if hired after that date) or have 6 years of creditable service (hired before July 1, 2011) or 8 years of creditable service (hired after July 1, 2011) and have reached age 59 1/2.
- Health plan coverage rates are based on the retiree’s most recent date of hire and continuous years of service.
- Enrollment is subject to the eligibility provisions and pre-existing condition limitations of the Group Health Plan.
Domestic Partner Coverage
Retirees may obtain Group Health Plan coverage for domestic partners (see affidavit form link below). Only the employee portion of the health and/or dental plan premium can be a pre-tax payroll deduction. The portion pertaining to the partner and children of the partner is post-tax.
Effective Date of Coverage
- Active employee benefits terminate on the last day of the month following your termination date.
- Retiree health benefits will commence on the first day of the following month.
Non-Medicare Eligible Retiree Options
As a retiree, you may enroll in the UnitedHealthcare Point of Service (POS) or the Consumer Driven Plan with a Health Savings Account (HSA) if neither you nor any of your covered dependents are Medicare eligible. These are the same choices you had as an active employee.
Medicare Eligible Retiree Options
When at least one covered family member becomes Medicare eligible (because of age or disability), the Medicare eligible member may enroll in the Medicare Advantage PPO plan. Any non-Medicare eligible family member will be enrolled in the Choice Plus POS plan.
The Medicare Advantage PPO plan is UnitedHealthcare's Medicare replacement plan specifically designed for Pinellas County Government retirees and their dependents. It offers medical, prescription, mental health and vision benefits.
- Health Plan Rates for Medicare Eligible Retirees
- FAQs: Medicare Advantage PPO Frequently Asked Questions
- Medicare Advantage PPO plan: Benefit Highlights | Plan Guide
- You and your covered dependents are required to enroll in Medicare A and B as soon as eligible.
- Medicare eligibility is not solely based on age.
- If you do not enroll when eligible, you risk incurring greater cost for the coverage from the Social Security Administration.
- If you do not enroll when eligible, you risk losing your coverage through Pinellas County.
- You must notify the Benefits Division at (727) 464-4570 immediately when you or your covered dependent becomes Medicare-eligible.
- Send a copy of the Medicare card to the Benefits Division either by mail (Pinellas County Government, Employee Benefits Division, 400 South Fort Harrison Avenue, 4th Floor, Clearwater, Florida 33756-5113) or by email.
- When electing your Medicare benefits, if you are going to continue your coverage through Pinellas County, DO NOT enroll in Medicare D when it is offered to you. If you enroll in Medicare D, you will lose your health plan coverage under Pinellas County Government. You will not be permitted to enroll back into our plan at a later date.
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