Retiree Medical Plans
Montgomery County offers four comprehensive medical plans. Most County medical plans coordinate with Medicare. This means that the benefits payable under your County medical plan will generally work together with Medicare to ensure that you receive as complete a coverage as possible (but not a duplication of coverage). Generally, your retiree medical premium reduces and your prescription premium increase when you become Medicare-eligible. Medicare becomes your primary medical insurance and the County’s medical plan becomes your secondary medical insurance effective the date you become eligible for Medicare. You must enroll in Medicare Part A and Part B at that time, if you fail to do so, your out of pocket expenses may become higher.
Medical Comparison Chart (Non- Medicare)
Administrator: Kaiser Permenante
Website: https://myhealth.kaiserpermanente.org/montgomerycountygovernment/
Member Services: 1-800-777-7902
Kaiser Permanente is a health maintenance organization (HMO) which provides all care at special Kaiser centers. You must use providers at the Kaiser centers to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Please note that the Kaiser Permanente HMO medical plan does include prescription drug coverage and therefore, it is not necessary to elect such coverage under a separate plan.
If Medicare is the primary coverage for you or any of your covered dependents, you are required to enroll in Kaiser’s Medicare Advantage HMO plan. Kaiser will contact you directly regarding your enrollment and to confirm you have enrolled in Medicare Part A and Part B. If you are a Kaiser participant and do not enroll in Kaiser’s Medicare Advantage HMO plan when required, your enrollment in Kaiser will be discontinued.
Plan Materials
Kaiser HMO SBC - 2025
Kaiser Brochure
Kaiser Benefit Summary - Non-Medicare Retirees
Kaiser Benefits Summary - Medicare Retirees
Kaiser Incapacitated Dependent Application
Kaiser Urgent Care and Locations
Regional Service Map
Medicare-eligible Retirees
Kaiser Medicare Advantage Benefits Summary (2025)
Kaiser Medicare Advantage Enrollment Form
Kaiser Medicare Advantage DisEnrollment Form
Kaiser Medicare Advantage Added Benefits
Kaiser Medicare Advantage Hearing Aids
Kaiser Medicare Star Ratings
Kaiser Guide to Medicare
Away From Home
Healthy Resources Guide
Preventive Dental
Resources
Learn more about Kaiser Permanente: https://thrive.kaiserpermanente.org/care-near-mid-atlantic
Switching to Kaiser-Permanente: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/new-members#register-to-kp-org
Kaiser Permanente Doctors: https://thrive.kaiserpermanente.org/care-near-mid-atlantic/find-doctor
How to get care: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/get-care
Find Kaiser Permanente locations: https://healthy.kaiserpermanente.org/maryland-virginia-washington-dc/doctors-locations#/search-form
Kaiser HMO General Plan Overview Video: https://www.brainshark.com/kp/MAS21HMO
Online & Mobile Tools Informational Video: https://www.brainshark.com/kp/MAS21OnlineTools
Behavioral Health Informational Video: https://www.brainshark.com/kp/MAS21BehavioralHealthWellness
Telehealth Informational Video: https://www.brainshark.com/kp/MAS21Telehealth
Care Away from Home Informational Video: https://www.brainshark.com/kp/MAS21CareAwayFromHome
Maternity Care Informational Video: https://www.brainshark.com/kp/MAS21MaternityCare
Kaiser Self-Care Mobile Apps: kp.org/selfcareapps
Administrator: United Healthcare
Website: www.uhc.com
Phone: 1-800-638-0014
United Healthcare is a national individual practice health maintenance organization (HMO). You must use United Healthcare providers in order to receive benefits under this plan. If you receive care elsewhere, you must pay the full cost. Prescription drug coverage is not included, but may be elected under a separate plan offered through Caremark. Generally, if you are also covered under Medicare and are retired from the workforce, Medicare is your primary coverage and your County plan is secondary. This may change the copays and charges listed in the medical comparison chart.
Plan Materials
UHC Select HMO SBC - 2025
UHC Select HMO Evidence of Coverage Booklet
UHC Digital Enrollment Guide
UHC Member Resources
UHC One Pass Select
MyUHC.com - Register and Print and ID card
Mental Health Resources
Behavioural Health And Wellness Resources
Behavioural Health Virtual Visit
Sanvello Behavioural App
Sanvello Registration
UHC Talkspace
Substance Use Treatment Helpline
United At Work Video Presentations
Administrator: Carefirst BCBS
Website: www.carefirst.com
Phone: 1-888-417-8385
The CareFirst BlueCross BlueShield Point-of-Service Plans (POS) are managed care programs. The BlueChoice Advantage Network provides you with choices over your out-of-pocket costs. You do not need to select a primary care provider (PCP) or obtain a referral to see a specialist with this option. You can visit any provider and your choice will determine your out-of-pocket costs. When care is rendered in Maryland, Washington, D.C. or Northern Virginia, use the CareFirst Blue Choice Network to receive the highest level of coverage and pay the lower out-of-pocket costs. If you seek care outside the CareFirst service area you will lower costs by using a National Blue Card PPO provider. You still have the option to opt-out of this network but will pay a higher out-of-pocket expenses. There are two POS plans offered – a High Option Plan and a Standard Option Plan. Prescription drug coverage is not included with either plan, but may be elected under a separate plan offered through Caremark. If Medicare is the primary coverage for you or any of your covered dependents, please refer to the separate CareFirst BlueCross BlueShield Medicare Supplemental Plan summary.
Plan Materials & Resources
BCBS Non-Medicare Benefits Brochure
BCBS Medicare Benefits Brochure
BCBS Grandfathered Indemnity Benefits Brochure
BCBS High Option Plan Booklet
BCBS Standard Option Plan Booklet
BCBS Indemnity Summary Description
BCBS Grandfathered Indemnity Medicare Plan Booklet
BCBS Grandfathered Indemnity Rx Announcement
BCBS Grandfathered Indemnity Rx Guide
Carefirst CloseKnit Virtual First Care
CareFirst Noom Weight and Diabetes Prevention Programs
CareFirst Noom Member Frequently Ask Questions
Member Discounts
Simple Therapy Virtual Physcial Therapy Program Video
Simple Therapy Virtual Physical Therapy Program Flyer
Simple Therapy Virtual Physical Therapy FAQs
Simple Therapy Interest Form
Summary of Benefits and Coverage
BCBS High Option - 2025
BCBS Standard Option - 2025
BCBS Indemnity - 2025
Forms 
BCBS Blue Choice POS Claim Form
BCBS Indemnity Claim Form
BCBS International Claim Form
BCBS Coordination of Benefits
BCBS Disabled Dependent Authorizaton
BCBS Health Information Release Authorization
BCBS Health Information Release Revocation