Members Retirees Employers
  • Change font size: 
  • A
  • A
  • A
Health Care Coverage

Currently SERS offers health care coverage, which includes medical and prescription drug coverage, to qualifying benefit recipients.

There are three times when you can enroll in SERS' coverage:

  • When you retire or begin receiving a disability benefit
  • Within 90 days of becoming eligible for Medicare
  • Within 31 days of involuntary termination of coverage under another plan or termination of Medicaid
     --  Failing to pay the premium or ending coverage because of plan changes does not count as involuntary termination.

To the extent that resources permit, SERS intends to continue offering access to health care coverage. However, SERS reserves the right to change or discontinue any plan or program at any time.

Click here to view information on the current health care coverage, including premiums, offered to SERS benefit recipients.

 

DENTAL AND VISION COVERAGE

If you are eligible for health care coverage, but choose not to enroll, you can still enroll in dental and/or vision coverage.

Click here to learn more about our dental plan.

Click here to learn more about our vision plan.

HEALTH CARE ELIGIBILITY

SERVICE RETIREE

You are eligible for coverage if you have 10 years of qualified service credit.

Qualified service credit includes:

  • Earned or restored service
  • Contributing STRS, OPERS, Ohio Police & Fire, Ohio Highway Patrol Retirement System, and Cincinnati Retirement System service credit, provided that the credit is not earned at the same time that SERS service credit is earned
  • Workers’ Compensation credit
  • Service credit earned as a student

Qualified service credit does not include:

  • Military (other than free or interrupted military service credit)
  • Federal government, private school, or out-of-state service
  • Exempted service
  • ERI (Early Retirement Incentive), or ‘buy out’

 

DISABILITY BENEFIT RECIPIENT

You are eligible for SERS' health care coverage if you are approved for a disability benefit. Click here to learn about disability benefits.

 

SPOUSES AND CHILDREN

When you enroll in our coverage, you may cover your spouse, and children up to age 26, as dependents.

PREMIUM SUBSIDIES

SERS helps reduce health care premiums by providing a subsidy to those who qualify.

 

HOW DO I QUALIFY FOR A PREMIUM SUBSIDY?

You must have at least 20 years of qualified service credit, or be receiving a disability benefit. In addition, at the time of retirement, disability, or separation from service, you must:

  • be eligible to participate in the health care plan of your last school employer, or
  • have been eligible to participate in the health care plan of your school employer at
    least three of the last five years of service

The following charts show the 2017 monthly premiums with and without a premium subsidy:

 

      

        

 

Subsidized Premiums

 Non-Medicare Plans
 No Premium Subsidy 20 Years Qualified Service Credit  30 Years Qualified
Service Credit
Aetna Choice POS II $1,304 $670 $289
AultCare PPO $965 $500 $221

 

 

 

 

 

 

 

 

 

Subsidized Premiums

 Medicare Plans
(with Medicare Parts A and B)
 No Premium Subsidy 20 Years Qualified Service Credit  30 Years Qualified
Service Credit
Aetna Medicare Plan (PPO) $253 $144 $79
Paramount Elite Medicare  Advantage $292 $163 $86
PrimeTime Health Plan $275 $155 $83