How to Enroll
Retirees will receive an application from their retirement system. Retirees should NOT complete the application included in this booklet. Commonwealth Maximum Choice will NOT be available for retirees. Retirees should contact their respective retirement systems for rates and/or contribution amounts.
If I am retired, who do I contact regarding health insurance questions?
Most of your questions can be answered in the 2009 Plan Year KEHP Handbook and your retirement systems’ materials, which you will receive from your retirement system. Retirees should contact their respective retirement systems for rates and/or contribution amounts. Health benefits questions should be directed to Humana or DEI at the numbers listed on the Contact Information page.
KTRS Retirees
If you have returned to work, you may choose one of the following scenarios:
ONE- Under Age 65 Retirees Any KTRS retiree under the age of 65 who is re-employed in ANY position that makes them eligible for insurance coverage through the Kentucky Employees Health Plan, MUST terminate health insurance coverage through KTRS. (Board Action September 2000)
TWO- Waiver of Retirement
All KTRS retirees (regardless of age) who return to work and waive their monthly annuity must waive medical insurance coverage with KTRS. (KRS 161.605)
THREE- Retirees (any age) re-employed in a KTRS covered position and eligible for active employee health insurance, MUST terminate health insurance coverage through KTRS. (KRS 161.605)
FOUR -Age 65 and older (KTRS) retirees reemployed in non-KTRS covered positions will be able to remain on the KTRS Medicare Eligible Health Plan (MEHP) if the active coverage is not as good as the KTRS MEHP coverage. (October 18, 2005 Retiree Memo)
These retirees will not be allowed a retirement and an active employer contribution toward coverage and cannot flex employer contributions if KTRS coverage is selected. (KRS 18A.225(12).)
KRS Retirees
Age 65 and Older Retirees Who Have Returned to Work with an Employer
Who Participates in KEHP.
You must complete a paper Enrollment Application with your active employer. Note the following information regarding funding and eligibility:
a. If you are receiving KRS funds toward a secondary coverage to Medicare plan and choose to continue your coverage through your retirement system, you must complete an application to waive insurance coverage through your employer.
b. If you are not receiving KRS funds toward a secondary coverage to Medicare plan, you are eligible to enroll for coverage and receive state funding through your employer. However, you must also complete a waiver application through your retirement system. (KRS Medicare eligible plans do not meet Medicare’s definition to be called a Medicare Supplement plan.)