The Board of Trustees is pleased to welcome you to the new website for the City of Detroit Police and Fire Retiree Health Care Trust Benefit Fund. Within this website, you will now have access 24 hours a day, 7 days a week to commonly requested forms, useful links, and frequently asked questions regarding your benefits provided by the Plan. As always, please feel free to contact the Benefit Office at (833) 725-5336 if you have any additional questions or concerns.

Medical and Prescription Benefits

Medicare Eligible Retiree Benefits
All Medicare eligible retirees that retired prior to January 1, 2015 are able to select one of the two Medicare Advantage insurance plans that include drug benefits. Those Medicare eligible retirees that retired prior to January 1,  2015 and choose not to enroll in one of the offered medical plans can instead opt to receive a health reimbursement account (HRA) with funds to use for medical insurance premiums or certain other medical expenses.

Your medical plan options are: 

• Priority Health PPO 
• Priority Health HMO
  

For more information about these plans, please use the Useful Health Care Links on the right-hand side of the page. You may also find helpful plan information by visiting the Documents page found within this website. 

Retirees that retired after January 1, 2015 are not participants in the VEBA and accordingly, are not eligible for medical coverage. You will need to obtain your own health insurance coverage for you and your dependent family members.

Non-Medicare Eligible Retiree Benefits

Accordingly, non-Medicare eligible retirees who retired on or before December 31, 2014 will need to obtain their own health insurance (for themselves and their dependent family members). Health Insurance Marketplaces– also known as Exchanges – are available in every state, including Michigan. Please be advised that HRA coverage through the VEBA will be considered “other health coverage” and may result in your ineligibility for federal tax credits on the public exchanges. Therefore, if you are currently receiving federal tax credits through the public exchanges, you may want to consult with your personal tax advisor regarding your eligibility for such tax credits on the public health exchanges.

All Non-Medicare eligible retirees that retired prior to January 1, 2015 can receive a health reimbursement account (HRA) with funds to use for medical insurance premiums or certain other medical expenses.

Dental Benefits
All retirees, whether Medicare eligible or not, are able to enroll in optional dental benefits each year. To continue dental coverage, the retiree must pay the full monthly premium based on the coverage elected.

Your dental plan options are:  

• Delta Dental Low Plan 
• Delta Dental High Plan  

Vision Benefits
All retirees, whether Medicare eligible or not, are able to enroll in optional vision benefits each year. To continue vision coverage, the retiree must pay the full monthly premium based on the coverage elected.

Your vision plan options are:  

• Vision Service Plan (VSP)

For more information about these plans, please use the Useful Health Care Links on the right-hand side of the page. You may also find helpful plan information by visiting the Documents page found within this website.