Mature individual walking and talking with her physician.

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
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 - 2024
Kaiser Brochure
Kaiser Benefits Summary
Kaiser Incapacitated Dependent Application
Kaiser Urgent Care and Locations
Kaiser Virtual Visit
Regional Service Map

Medicare-eligible Retirees
Kaiser Medicare Advantage Benefits Summary (2024)
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

Learn more about Kaiser Permanente:
Switching to Kaiser-Permanente:
Kaiser Permanente Doctors:
How to get care:
Find Kaiser Permanente locations:
Kaiser HMO General Plan Overview Video:
Online & Mobile Tools Informational Video:
Behavioral Health Informational Video:
Telehealth Informational Video:
Care Away from Home Informational Video:
Maternity Care Informational Video:
Kaiser Self-Care Mobile Apps:

Administrator: United Healthcare
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 - 2024
UHC Select HMO Evidence of Coverage Booklet
UHC Digital Enrollment Guide
UHC Virtual Visit
UHC Preventive Care Guidelines
UHC 24 Hour Nurseline
UHC Opioid 24 Hour Helpline
UHC Real Appeal Program
UHC One Pass Select - 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

UHC Claim Form
UHC Disabled Dependent Authorization

Administrator: Carefirst BCBS
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 - 2024
BCBS Standard Option - 2024
BCBS Indemnity - 2024

BCBS Claims
BCBS Coordination of Benefits
BCBS Disabled Dependent Authorizaton
BCBS Health Information Release Authorization
BSBC Health Information Release Revocation