What is the Retired County and Municipal Law Enforcement Officers and Municipal Firefighters Health Insurance Program, and how does it affect municipal and county employers?
This is a program enacted as the result of legislation (LD 1021) that will provide for partially-subsidized health insurance coverage for eligible county and municipal law enforcement officers and municipal firefighters as they move from active employment into retirement. The program also allows dependents to continue health insurance coverage, but without any subsidy.
How is health insurance provided under this program?
If the employee is covered under a Health Trust health insurance plan and meets the eligibility requirements for continued coverage as a retiree, he will be able to continue coverage in the same plan as provided to active employees of the former employer. For example, if the employee is covered under the Health Trust’s Point of Service B plan when he retires, he will be able to continue that coverage (provided the employer continues to participate in that Health Trust plan), until the retiree reaches age 65 or becomes eligible for Medicare.
If the employee is covered under an employer-sponsored, non-Health Trust health insurance plan, there are two possibilities. If the health insurance plan allows retirees to continue coverage, then coverage will be continued under the terms of that plan. If, however, the health insurance plan does not allow retirees to continue coverage, then the retirees will be able to enroll in the State of Maine Employee Health Plan. Such enrollment must be arranged through the State of Maine.
Benefits provided under this program are determined according to the health insurance plan in which the retiree is enrolled. A retiree enrolled in the Health Trust’s Traditional Indemnity plan, for example, will have different benefits than will a retiree enrolled in the Health Trust’s Point of Service B plan. There are no “standard” benefits under this program.
Who is eligible for this program?
In order to participate in this program, an individual (employee or retiree) must be: