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Retirees & Spouses Health Insurance Coverage
When an employee retires from the Town of Canton or Canton Public Schools, he/she can elect to remain on the health insurance plans, provided they are drawing a pension from the Town of Canton. The premiums will be deducted from his/her pension check(s).
The Town of Canton is currently subsidizing the insurance rates for retirees and their spouses. The current monthly contribution is 25% of the insurance cost. In event of the death of a retiree or spouse please contact the Human Resources Department.
Retirees & Their Spouses Medicare Part A & B Enrollment Requirements
Federal Law requires that you must apply for Medicare if you are 65 years or older, even if you think you are not eligible. You and/or your spouse may qualify under a spouse’s (including divorced or deceased spouse’s) record. The closest Social Security Office to Canton, MA is located at:
One Edgewater Drive
Suite 102
Norwood, MA 02062
The telephone number is 800-772-1213. Also, they have a website for applying for Medicare.
Medicare Part A (Hospital Insurance) & Medicare Part B (Physician’s Insurance)
The Town of Canton requires retirees and their spouses, who are eligible for Medicare, to enroll in Medicare Part A (hospital insurance) and Medicare Part B (physician’s insurance) if retirees and their spouses choose to enroll in the Town’s Medicare supplemental insurance plan, Medex, which includes prescription coverage. (Do not enroll in Medicare Part D). Medex is a Blue Cross Blue Shield Supplemental Insurance plans. Medicare Supplement plans are sold by private insurance companies to fill gaps
in Medicare coverage. If retirees and/or their spouses do not qualify for Medicare, please send the letter from Social Security to the Human Resources Department.
2022 Medicare Part B Premiums
The standard Part B premium amount in 2022 will be $170.10. Most people will pay the standard Part B premium amount. If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard premium amount and an Income Related Monthly Adjustment Amount (IRMAA). IRMAA is an extra charge added to your premium.
Income & Payment
If your yearly income in 2020 (for what you pay in 2022) was:
File Individual Tax Return | File Joint Tax Return | File Married and Separate Tax Return | You Pay Each Month (in 2022) |
---|---|---|---|
$91,000 or less | $182,000 or less | $91,000 or less | $170.10 |
Above $91,000 up to $114,000 | Above $182,000 up to $228,000 | Not applicable | $238.10 |
Above $114,000 up to $142,000 | Above $228,000 up to $284,000 | Not applicable | $340.20 |
Above $142,000 up to $170,000 | Above $284,000 up to $340,000 | Not applicable | $442.30 |
Above $170,000 and less than $500,000 | Above $3400,000 and less than $750,000 | Above $91,000 and less than $409,000 | $544.30 |
$500,000 or above | $750,000 and above | $409,000 and above | $578.30 |
MEDEX Enrollment Documents
Fiscal Year 2022 Information
- Fiscal Year 2022 Insurance Rates (PDF)
- Medex 2 Plan Summary 2022 (PDF)
- BlueMedRx (PDP-Prescription Drug Program) Summary of Benefits (PDF)
- Blue Cross Blue Shield Enrollment/Change Form (PDF)
- Blue MedicareRx PDP Group Enrollment Form 2022 (PDF)
- Blue MedicareRx (PDP) 3 Tier Select 2022 Formulary (PDF)
- Summary Plan Description - BCBS Medex - Canton as of 1-1-22 (PDF)