Understanding Retiree Benefits: Medicare and Dependent Coverage Made Simple
your benefits as a medicare-eligible retiree
Welcome to your guide for the KCTCS employer-sponsored Medicare Advantage plan. As a retiree eligible for Medicare, you have access to enhanced coverage. The KCTCS Anthem Medicare Advantage plan provides comprehensive benefits—including medical/dental/vision services, hospital, and prescription drug coverage—at competitive group rates. Here, you’ll find information on plan features, monthly premiums, and how the plan can support your healthcare needs in retirement.
2025 KCTCS Anthem Medicare Advantage
| Coverage | Monthly Premium | KCTCS Credits | Monthly Retiree Cost |
|---|---|---|---|
| Retiree Only | $511.78 | $511.78 | $0.00 |
| Retiree Spouse | $511.48 | $0.00 | $511.78 |
| Retiree + Spouse | $1023.56 | $511.78 | $511.78 |
| Surviving Spouse | $511.78 | $255.89 | $255.89 |
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coverage options for your younger dependents
Dependents of Medicare-eligible retirees who are under age 65 may be eligible for continued health benefits through the Kentucky Employees’ Health Plan (KEHP) and Delta Dental/Delta Vision. While you are enrolled in Medicare, your younger dependents can remain covered under these vendors at cost. This coverage helps bridge the gap until your dependents become eligible for Medicare or obtain other insurance.
2025 KCTCS Medicare-Eligible Retirees – Dependent Under 65
| Single (Spouse Only or Dependent Child under 26 Only) | Parent Plus (Spouse + Child(ren)) | |
|---|---|---|
| LivingWell CDHP | $930.76 | $1,269.28 |
| LivingWell PPO | $949.04 | $1,320.40 |
| LivingWell Basic CDHP | $901.04 | $1,234.80 |
| LivingWell HDHP | $835.42 | $1,144.86 |
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Disclaimer Statement:
Carriers, plan details, rates, benefit levels, participant contributions, and other offerings made available through the 403(b)-retiree health trust are subject to change from year to year. The structure of the retiree health program does not guarantee eligible participants the same benefits, rates, or contribution levels each year. Benefits, rates, and contribution levels are approved by the KCTCS Board of Regents for each plan year.
