Employer Health Insurance Coverage During Retirement

One of the many advantages of being a PSRS retiree is the option to participate in your last PSRS-covered employer's health insurance plan after retirement at the same cost the employer pays for an active employee.

Missouri law gives you one year from the date you were last employed to choose this option. Consult with your last employer for specific information about the health insurance coverage available to retirees and their family members.

PSRS has no role in administering or enforcing this state law.

We understand it can be difficult to know what questions to ask your employer about health insurance. To help you get started, we have developed a list of the questions we are most often asked, and that we recommend you ask your employer.

Questions to ask your employer about health insurance:

  1. Are there any stipulations that I must meet in order to continue health insurance coverage through my employer after I retire?
  2. Do I have to be on the employer's health insurance plan for a certain period of time before retirement to be eligible to retain the health insurance?
  3. Can I get coverage for my spouse or dependent children?
  4. Will my spouse be able to receive insurance through the employer after my death?
  5. How long does the coverage continue?
  6. Will I be able to receive supplemental insurance from my employer if I am eligible for Medicare?
  7. How will Medicare affect the employer's health insurance? Which will be considered primary?
  8. If my employer changes health insurance providers, does the new provider have to continue my coverage?