The state of Idaho is pleased to offer eligible retirees and their dependents a comprehensive and flexible benefit program designed to promote health and personal welfare.
Retiree Medical Coverage
Eligible retirees under the age of 65 may elect group medical coverage for themselves and their eligible dependents and have the choice of Blue Cross of Idaho Traditional, PPO, or High Deductible plans. Prescription drug coverage is included in the medical coverage. There is no retiree dental plan but a COBRA election may be available. Vision coverage is not available. Retiree Medical Coverage Plans & Rates.
Because your Medicare coverage begins on the first day of the month in which you turn 65 and your eligibility for the Retiree Group Medical Plan ends on the last day of that month, you could qualify for a reduced premium rate for your birthday month if you have Medicare parts A and B.
You will be notified by Blue Cross as well as the Office of Group Insurance; however, you may contact our office at any time if you would like additional information.
Date of Retirement
The date you start drawing your state retirement benefit. You must attach a copy of the statement from your retirement system showing the date your retirement benefits begin.
Date Active Employee Coverage Ends
If you terminate active employment status prior to the 15th day of a month, your eligibility for coverage ends on the last day of that month. If you terminate active status on or after the 15th day of a month, your eligibility for coverage ends on the last day of the following month. Your human resources office can provide you with additional information.
Retiree Plan Effective Date
Coverage is effective on the first day of the month following the date your active employee coverage terminates, provided your Retiree Medical Plan Enrollment Application is submitted to our office within sixty (60) days of the date your active employee coverage ends. For example, if your active employee coverage ends May 31st, you must submit your application by July 30.
Using Sick Leave Funds
If you retire directly from employment with the State of Idaho AND are age 65 or older, you may be eligible to use PERSI-administered sick leave funds to pay premiums for Medicare Supplement, Advantage and Part D plans.
If you are interested in obtaining information about plans available from these carriers, including premium rates, contact any or all of the carriers directly during their regular office hours listed below. Not all carriers offer all plan types, so you must contact the carrier directly to inquire about available plans.
- Aetna Health & Life Company
Hours: Monday thru Friday 7 am - 4 pm MT
- Blue Cross of Idaho
Hours: Seven Days a Week, 8 am - 8 pm MT
- PacificSource Community Health Plans
Hours: Seven Days a Week, 8 am - 8 pm MT from October 1 - February 14
Hours: Monday through Friday, 8 am - 8 pm MT from February 15 - September 30
- Regence Blue Shield of Idaho
(Includes Regence affiliates in Washington, Oregon and Utah, and Asuris Northwest Health)
Hours: Monday through Friday, 8 am - 6 pm MT
- Select Health
Hours: Monday through Friday, 7 am - 8 pm MT, Saturday, 9 am - 2 pm MT
- United Healthcare/AARP
Hours: Monday through Friday, 5 am - 9 pm MT
Attention Providers: If you wish to become a Medicare Supplement Insurance provider for the state of Idaho retirees, please view these procedures [PDF].
Other Retiree Insurance Options - Using Sick Leave
Other Sick Leave Options
OGI & PERSI have agreements with some carriers to use PERSI-administered sick leave funds to pay premiums for voluntary retiree insurance options as permitted by statute including and limited to Dental, Vision, Long Term Care and/or Life Insurance. As more carriers become available, contact information will be posted in the list below:
- Blue Cross of Idaho (Dental)
Blue Cross Online Enrollment
Hours: Mon - Fri 8 am - 5 pm MT
- Delta Dental of Idaho (Dental)
Delta Dental Online Enrollment
Hours: Mon - Thurs 8 am - 5 pm MT, Friday 8 am - 4 pm MT
To be eligible for this program employees must retire directly from employment with the state of Idaho and be drawing a monthly PERSI benefit. No other age or hire-date restrictions are applicable to this benefit.
Idaho SHIBA provides free, unbiased Medicare benefits information and assistance for all Idahoans with Medicare.