Your Health Care Coverage in Retirement

SERS offers health care coverage, which includes medical and prescription drug coverage, to qualifying benefit recipients. When you enroll, you may cover your spouse, and children up to age 26.

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.

Health care coverage from a school employer is different than coverage available for retirees. Employers typically offer more affordable health care benefits as part of their overall compensation package. Once you retire, you may find that your costs are higher.

Please see the Member Health Care Guide for a comprehensive guide to SERS’ health care program.

Health Care Eligibility

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 the credit is not earned at the same time SERS service credit is earned
  • Workers’ Compensation credit

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’

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 the involuntary termination of health care coverage under another plan. Proof of involuntary termination is required.

Dental and Vision Coverage

SERS offers dental and vision coverage through Delta Dental of Ohio and VSP Vision Care. To sign up for dental and/or vision coverage, you must be eligible for, but you do not have to be enrolled in, SERS’ health care coverage.

You must enroll in dental/vision coverage to enroll your spouse and/or children.

The 2024-2025 enrollment period ends December 31, 2025, regardless of your effective date of coverage. Once enrolled in the dental and/or vision plan, you must remain enrolled through December 31, 2025, and pay the monthly premiums.

You cannot cancel dental/vision coverage before the next Dental and Vision Open Enrollment unless you are also cancelling SERS medical and prescription coverage.

If you do not enroll when you retire or begin receiving a disability benefit, you can only enroll:

  • During the open enrollment period
  • Within 31 days of an involuntary termination of another dental or vision plan
  • At the time you enroll in SERS’ medical and prescription drug coverage due to an involuntary termination of health care coverage under another plan


Selecting Coverage Before Medicare

Before you reach Medicare eligibility, SERS offers two health care options.

The SERS Marketplace Wraparound Health Reimbursement Arrangement (HRA) is often the most affordable option. SERS helps you enroll in a federal Health Insurance Marketplace plan with an individualized premium based on household size and income. The Marketplace offers a variety of plans in every state, including Ohio. Marketplace premiums can be as low as $0.

SERS also offers traditional group plans, Aetna Choice POS II and AultCare PPO, that resemble employer coverage, but are generally more expensive.

The Aetna Choice POS II plan is the only enrollment option if you are enrolling a family member in SERS’ Aetna Medicare Plan (PPO).

Contact UMR at 1-888-236-2377. Counselors will help you evaluate the costs and benefits of the SERS plan alternatives.

Non-Medicare members, including those planning to enroll in Aetna Choice POS II, AultCare PPO, or the SERS Marketplace Wraparound HRA, must call UMR to review their Marketplace plan options.  See page 8 of the Member Health Care Guide for more information.

SERS Traditional Plans and Premium Subsidies

SERS helps reduce health care premiums by providing a subsidy to those who qualify when enrolling in SERS’ traditional group plans.

To 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

2024 Non-Medicare Monthly Premiums

Non-Medicare Plans

No Premium Subsidy

20 Years Qualified Service Credit

25 Years Qualified Service Credit

30 Years Qualified Service Credit

Aetna Choice POS II





AultCare PPO





*If you do not qualify for a premium subsidy, you must pay the full premium regardless of your qualified years of service credit.

2024 Medicare Monthly Premiums

With Medicare Part A and B

No Premium Subsidy

20 Years Qualified Service Credit

25 Years Qualified Service Credit

30 Years Qualified Service Credit

Aetna Medicare Plan (PPO)





*If you do not qualify for a premium subsidy, you must pay the full premium regardless of your qualified years of service credit.

Eligible for Medicare?

If you are retiring because you are nearing age 65 and will be eligible for Medicare, learn more about Medicare enrollment.


You May Receive a Medicare Part B Reimbursement of $45.50 per month

SERS currently reimburses eligible benefit recipients $45.50 per month to help pay Medicare Part B premiums. New benefit recipients must be enrolled in SERS’ health care coverage and Medicare Part B to receive this reimbursement. Spouses and children are not eligible.

If your Medicare B premium is paid by any other source, including the Medicare Premium Assistance Program or Medicaid, you are not eligible for this reimbursement.

Reimbursement starts after SERS receives proof of Medicare Part B enrollment and is not retroactive.

Things to Consider When Choosing Health Insurance

  • Deductible: How much you have to spend for covered health services before your insurance company pays anything (except free preventive services).
  • Co-pays and coinsurance: Payments you make each time you get a medical service after reaching your deductible.
  • Out-of-pocket maximum: The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

View and download: Member Health Care Guide

Are your doctors and hospitals in the plan’s network? When you go out of network, your costs could be higher or may not be covered depending on the plan type.

Provider Search for Aetna Medicare Plan PPO

Provider Search for Aetna Choice POS II

Provider Search for AultCare PPO

It is best to look at a plan’s list of covered prescription drugs. Generic coverage is normal but coverage for brand-name medications varies.

Will My Prescription Drugs Be Covered?

Drug Cost Estimate Worksheet

Before You Call: Answers to Frequently Asked QuestionsCLICK HERE