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.

2021 Medicare Part B Premiums

The standard Part B premium amount in 2021 will be $148.50. 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 2019 (for what you pay in 2021) was:

File Individual 
Tax Return
File Joint 
Tax Return
File Married and 
Separate Tax Return

You Pay  (in 2021)

$88,000 or less$176,000 or less$88,000 or less$148.50
Above $88,000 up to 111,000Above $176,000 up to $222,000Not applicable$207.90
Above $111,000 up to $138,000Above $222,000 up to $276,000Not applicable$297.00
Above $138,000 up to $165,000Above $276,000 up to $330,000Not applicable$386.10
Above $165,000 and
less than $500,000
Above $330,000 and
less than $750,000
Above $88,000 and
less than $412,000
$500,000 or above$750,000 and above$412,000 and above$504.90

MEDEX Enrollment Documents