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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.
2019 Medicare Part B Premiums
The standard Part B premium amount in 2019 is $135.50. 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 2017 (for what you pay in 2019) was:
| File Individual Tax Return | File Joint Tax Return | File Married and Separate Tax Return | You Pay (in 2019) |
|---|---|---|---|
| $85,000 or less | $170,000 or less | $85,000 or less | $135.50 |
| Above $85,000 up to 107,000 | Above $170,000 up to $214,000 | Not applicable | $189.60 |
| Above $107,000 up to $133,500 | Above $214,000 up to $267,000 | Not applicable | $270.90 |
| Above $133,500 up to $160,000 | Above $267,000 up to $320,000 | Not applicable | $352.20 |
| $500,000 or above | $750,000 and above | $415,000 and above | $460.50 |
2020 Medicare Part B Premiums
The standard Part B premium amount in 2020 will be $14.60. 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 2018 (for what you pay in 2020) was:
| File Individual Tax Return | File Joint Tax Return | File Married and Separate Tax Return | You Pay (in 2020) |
|---|---|---|---|
| $87,000 or less | $174,000 or less | $87,000 or less | $144.60 |
| Above $87,000 up to 109,000 | Above $174,000 up to $218,000 | Not applicable | $202.40 |
| Above $109,000 up to $136,000 | Above $218,000 up to $272,000 | Not applicable | $289.20 |
| Above $136,000 up to $163,000 | Above $272,000 up to $326,000 | Not applicable | $376.00 |
| Above $163,000 and less than $500,000 | Above $326,000 and less than $750,000 | Above $87,000 and less than $413,000 | $462.70 |
| $500,000 or above | $750,000 and above | $413,000 and above | $491.60 |
MEDEX Enrollment Documents
Fiscal Year 2020 Information
- Fiscal Year 2020-Insurance Rates
- Blue Cross Blue Shield Enrollment/Change Form
- Medex and PDP Summary - 2020
- 2020 Blue Medicare RX (PDP) Enrollment Form
- Medex and PDP Summary - 2019
- 2019 Blue MedicareRx (PDP) Enrollment Application (PDF)
- 2019 Select Formulary Changes (PDF)
- Blue Medicare RX (PDP) Select Formulary