Retiree Medical Benefits

Quick Reference - Retiree Health Options

• Continue the YourChoice Medical Plan you had on your last day of employement.

Coverage Highlights:

• Dependents already enrolled on your last day of employment can remain on the plan.
• Additional dependents may be added later if a qualified life event occurs.
• Health Care Spending Accounts end at retirement.

Important:

• To continue benefits in retirement with Manatee YourChoice, you must enroll in your retiree benefits prior to retirement. Benefits will not continue if you do not complete the enrollment process with Employee Health Benefits.
•  A dependent not enrolled in the County's Plan at the time of the Retiree's retirement is not eligible to enroll in the County-sponsored Transamerica Medicare Supplement (see EHB for referral to individual options) 

Retirees 65 and Older/Medicare-Eligible:

Your Options:

• Transamerica Medicare Supplement
• Continue YourChoice Health Plan as a supplement to Medicare (includes prescription coverage)

• You can keep the YourChoice Medical Plan you had on your last day of employment.
• If you choose Transamerica, dependents on YourChoice can remain on that plan.
• Medicare is your primary insurance; YourChoice or Transamerica is secondary, helping cover costs Medicare does not.
• These plans "wrap around" Medicare and pay for eligible services according to plan rules.
• You must be enrolled in both Medicare Parts A and B to receive Transamerica plan.

• To continue benefits in retirement with Manatee YourChoice, you must enroll in your retiree benefits prior to retirement. Benefits will not continue if you do not complete the enrollment process with Employee Health Benefits.
• A dependent not enrolled in the County's Plan at the time of the Retiree's retirement is not eligible to enroll in the County-sponsored Transamerica Medicare Supplement (see EHB for referral to individual options) 

• Baacke Insurance and Financial Services offers free consultations to help your review plan options and find coverage that fits your needs. To schedule an appointment, call (941) 907-4300.

Attention:

• Manatee County provides Medicare eligible retirees the option of a Medicare Supplement Plan through Transamerica Insurance. This plan provides a different level of benefit for medical coverage and is at a cost lower than the YourChoice Health Plan.
• With the implementation of health care reform measures, some retirees, depending on their age and health status, may have access to individual medical and/or dental plans that are more affordable and better aligned with their needs. Baacke Insurance and Financial Services offers free consultations to help employees and members review available plan options and find coverage that best fits your needs. To schedule an appointment, call (941) 907-4300.
• One time opportunity to switch supplemental plans
  • A Retiree has one opportunity during their time as a retiree to re-enroll in the County's YourChoice Plan if their selection of the Manatee County supplement plan is no longer desired.
  • A Retiree eligible for Medicare as a result of age or disability must be enrolled in Medicare Parts A & B to receive any benefits under the medical plan or supplemental plans. The Retiree's County's Insurance or any other Medicare Supplement is SECONDARY to Medicare unless you or your spouse is actively at work and enrolled in an employer sponsored group medical plan. A copy of your Medicare card Parts A and B must be supplied to Employee Health Benefits.

Important: In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty for as long as you have Part B and could have a gap in your health coverage.