Possible Health Insurance Combinations for Retirees

Retiree and Spouse/Partner ARE NOT Medicare Eligible
  • PEBB
  • PERS (if PERS retiree)
  • COBRA
  • Conversion to Individual Plan – available for Kaiser plan only
  • Health Insurance Marketplace
  • Individual Coverage
  • Other Employer coverage provided by another employer or spouse/partner
Retiree is Medicare Eligible, Spouse/Partner is NOT Medicare Eligible
  • Retiree
    • Other employer coverage provided by another employer or spouse/partner
    • Medicare A/B/D*, PERS Medicare Supplemental/Advantage (if PERS retiree), Private Medicare Supplemental Policy, Other Employer Coverage
    • Begin Medicare enrollment 2-3 months prior to losing coverage if applicable
  • Spouse/Partner
    • Other Employer Coverage, PEBB, PERS (if eligible), COBRA, Kaiser Conversion to Individual Plan, Health Insurance Marketplace, or private insurance policy
Retiree is NOT Medicare Eligible but Spouse/Partner is Medicare Eligible
  • Retiree
    • PEBB, PERS (if PERS retiree), COBRA, Kaiser Conversion to Individual Plan, Health Insurance Marketplace, or Other Employer Coverage through another employer or spouse/partner
  • Spouse/Partner
    • Other Employer Coverage; or
    • Medicare
      • A/B/D*, PERS Medicare Supplemental/Advantage plan (if retiree is PERS retiree) or other individual Medicare Supplemental/Advantage plan
      • Begin Medicare enrollment process 2-3 months prior to losing coverage
Retiree and Spouse/Partner ARE Medicare Eligible
  • Medicare A/B/D*
  • PERS Medicare Supplemental/Advantage Plan
    (PERS RHIA Medicare Subsidy available if you worked in a PERS position at least 8 years)
  • Individual Medicare Supplemental/Advantage Plan
Notes:
  • ORP retirees ARE NOT eligible for PERS Medical plans unless they are also a PERS Tier 1, Tier 2 or OPSRP (Tier 3) member; or their spouse/partner is a PERS retiree.
  • PERS subsidies for Tier 1 & 2 members: University employees are eligible for the RHIA (Medicare) and the RHIPA (non-Medicare) subsidy on their health insurance premiums if you meet the years of service requirement. Only University and/or State of Oregon years of service count toward the RHIPA (non-Medicare) subsidy. Only years of service as while a PERS member counts. Must immediately retire from PERS after terminating employment to be eligible for the RHIPA subsidy.
  • If both spouses are PERS University and/or State of Oregon retirees, it may be more beneficial to enroll in the PERS plans separately to take advantage of the subsidies.

* Enroll in Medicare Part D only if your Medicare Supplemental/Advantage Plan does not include it.