PERS Health Insurance Plans (Non-Medicare & Medicare)


  • Available to PERS members only - Tier 1, Tier 2, OPSRP (Tier 3)
  • Must be receiving a PERS pension benefit (or took the lump sum option at retirement)
  • Non-Medicare and Medicare Supplemental plans available
  • PERS Medicare Plans include Medicare Part D coverage. Do not enroll in a separate Medicare Part D plan.
  • Plan options include:
    • Retiree without Medicare and Family without Medicare;
    • Retiree without Medicare and Family with Medicare;
    • Retiree with Medicare and Family without Medicare; or
    • Retiree with Medicare and Family with Medicare.
  • Dental Coverage:
    • Must be enrolled in a health plan to be eligible to enroll in the dental plan.
    • If you do not enroll in the dental plan when first eligible, you will not be able to add the dental plan later.
    • You can drop the dental plan later if you no longer want it.
  • Long-term Care plans also available
  • Premium Subsidies for Tier 1 & Tier 2 members only, must meet the following eligibility requirements:
    • RHIA – Medicare subsidy, must have at least 8 years of PERS service
    • RHIPA – Non-Medicare healthcare subsidy, only State or University years of service count when calculating years of service for the subsidy. MUST immediately retire from PERS after leaving employment.

Enrollment Opportunities

  • New (PERS) retiree
  • Medicare eligibility (must have Medicare Parts A & B). This will be your last opportunity unless you have employer group coverage.
  • Continuous employer-sponsored group coverage for 24 consecutive months immediately preceding enrollment (includes COBRA and retiree coverage). This can be after Medicare eligibility.


PERS Health Insurance Program (PHIP)

PERS Health offers workshops in the fall and spring. For more information, visit:

PERS Health Insurance Forms