Medicare is a health insurance program administered by the U.S.
government for people age 65 or older, under age 65 with certain
disabilities, and any age with End-Stage Renal Disease (permanent
kidney failure requiring dialysis or a kidney transplant).
Qualified Medicare-eligible ACERA members, dependents, and
survivors can select a medical plan through ACERA that works in
conjunction with the federal Medicare system.
When you or your dependents become eligible for Medicare (usually
at age 65), in order to keep or enroll in group health coverage
through ACERA, you are required to enroll in and be covered by
Medicare Parts A and B and maintain that coverage. After you are
enrolled in Medicare, you may enroll in an ACERA Medicare Plan,
which is a medical insurance plan offered by ACERA that works in
conjunction with your federal Medicare coverage.
For retired members who will be eligible at age 65, ACERA
encourages you to begin the process for enrolling in Medicare at
least 90 days prior to your 65th birthday. Begin by contacting
the Social Security Administration at 1-800-772-1213 to verify
your eligibility for Medicare. Medicare will typically
automatically enroll you in Medicare Parts A and B within this
time period, and send you a letter notifying you of your approval
for Medicare and the date Medicare will go into effect.
ACERA offers Medicare plans to individuals who are eligible for
Medicare (generally, those over age 65). These ACERA plans works
in conjunction with your Medicare coverage provided to you by the
U.S. government. The plans may change from year to year:
ACERA reimburses members for the lowest monthly rate that
Medicare charges retirees for being enrolled in Medicare Part B,
which is $144.60 for 2020. Medicare deducts
payment for Medicare Part B from your Social Security Check. The
Medicare Part B Reimbursement Plan (MBRP) is for qualified
retired members only, and is provided as an additional allowance
in the member’s retirement allowance payment.
The Medicare Part B Reimbursement Plan is a non-vested benefit
that is reviewed by the Board of Retirement annually.
Medicare is not offered as a family or dependent benefit. This
means that all people who have Medicare must qualify on an
individual basis. For example, a person under age 65 does not
automatically receive Medicare because their spouse is 65 or
older and enrolled in the Medicare program. If you or your spouse
are not yet eligible for one of ACERA’s Medicare plans, you are
still eligible to enroll in one of ACERA non- Medicare health
If you continue to work after age 65 when you become Medicare
eligible, you have the option of enrolling in Medicare. Medicare
A is offered at no cost to you, but remember that you will have
to pay a monthly premium for Medicare Part B, in addition to any
premiums you may be paying to be covered under your employer’s
health plan. The same consideration should be made for Part