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.

2020 Medicare Part B Premiums

The standard Part B premium amount in 2020 will be $144.60. 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 ReturnFile Joint Tax ReturnFile 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 109,000Above $174,000 up to $218,000Not applicable$202.40
Above $109,000 up to $136,000Above $218,000 up to $272,000Not applicable$289.20
Above $136,000 up to $163,000Above $272,000 up to $326,000Not applicable$376.00
Above $163,000 and less than $500,000Above $326,000 and
less than $750,000
Above $87,000 and
less than $413,000
$500,000 or above$750,000 and above$413,000 and above$491.60

MEDEX Enrollment Documents