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Your Insurance Benefits

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Michigan Office of Retirement Services

Your Insurance Benefits

Your Insurance Benefits


When you retire, you and your eligible dependents can enroll in the plan's group insurance offerings.

Your share of the insurance premium is deducted from your monthly pension payments. See current rates. These rates apply to all public school retirees who retire after Jan. 1, 2013, or to previous retirees who were not yet eligible for Medicare coverage as of Jan. 1, 2013. Annual rate sheets are mailed out each year to members before the Jan. 1 effective date.

Note: Please refer to the Premium Subsidy Eligibility section below for factors that may affect your subsidy eligibility and long-term care (LTC). See headers below.

Click on a topic below for more information:

Insurance Carrier Options Rate Information
Dependent Coverage Premium Subsidy Eligibility
Enrollment: When Coverage Begins How Medicare Affects Your Coverage
FAQs About Insurance Insurance Forms
Annual Certifications & Verifications Personal Healthcare Fund
Our Process Long-Term Care (LTC)