For Retirees

FCPS offers two dental plans administered by Delta Dental.  One is a Standard plan with an annual limit of $1500 per person per plan year and one is a buy-up option plan with an annual limit of $2500 per person per plan year. 

See Dental Plan Summary below for coverage details.

Retirees can change their dental plan from standard dental to buy-up during retiree open enrollment in October, change will be effective January 1st.  To change dental plan level,complete the Retiree Open Enrollment change form found under the forms section. 

• Dental Buy Up Option Plan Summary
• Dental Standard Option Plan Summary
• Evidence of Coverage - Buy-Up Plan
• Evidence of Coverage - Standard Plan
• Find a Dentist

FCPS offers group life insurance as a part of your retirement package. 

The coverage is equal to your final yearly salary, capped at $50,000. 

FCPS pays for the first $25,000 of your coverage. If you choose the maximum coverage allowed (over $25,000), see the rate chart below:

• FY24 Retiree Life Rate Chart

To change your beneficiary, please complete and submit the Retiree Beneficiary Update Form found under the forms section. Please contact Christine Hobble at (240) 586-8012 to submit a life insurance claim.

FCPS retiree health plan includes both vision and prescription coverage. Your plan is on a calendar year basis January 1st through December 31st.  

CareFirst Medical Plan (Non-Medicare Eligible Retirees)

BlueChoice Advantage offers in- and out-of-network coverage and no referral is needed to see a specialist.  Please refer to the CareFirst and the Vision Plan Summary below for coverage details.  Searching for provider call 1-866-386-2043 or visit www.carefirst.com/frederick

• CareFirst Non-Medicare Benefits-at-a-Glance
• CareFirst Non-Medicare Summary Details 2023
• CareFirst Retiree Summary Plan Description

Medicare Eligible Retirees

You must pay the Medicare Part B Annual Deductible of $240 as of 2024, (indexed annually), prior to CareFirst paying any of your medical bills.  Medicare will pay first and then CareFirst will pay second. In most cases, the remaining balances should be paid by CareFirst if you are using in-network Medicare providers. To make sure that your Medicare bills are sent to CareFirst automatically, you can call CareFirst and request that a “crossover” form be placed on file on your behalf. This will assist in the claims processing for you.

• Medicare Benefits-at-a-Glance
• CareFirst Medicare Eligible Benefit Guide 2023

Additional Links

• CareFirst WellBeing Blue Rewards Information

Vision Links

• Find a Vision Provider
• Online Retail Vision Partners
• Vision Plan Summary

As a retiree covered under the FCPS medical plans, your prescription drug plan is included in your coverage.  

• Medicare enrollees: you will be enrolled in the SilverScript CVS Plan. The coverage offered through Silver Script is considered creditable coverage, meaning it is at least as good as the coverage offered through Medicare Part D.
  
  CVS Caremark - Medicare Eligible Plan Highlights
   
• Non-Medicare: you will be enrolled in the CVS CareMark Plan. CVS uses a formulary list of generics and preferred medications to keep your prescription copays at the lowest cost possible. To see a complete list of the approved formulary medications, please review under your plan on the appropriate CVS website. 
   
  • Maintenance Choice Program - Mail Order Prescriptions – plan participants who take maintenance medications have the choice to purchase their 90-day supply from the mail order program or from a CVS/Pharmacy store and pay the same mail order copayment.
  • Mandatory Generics – required when available as well as using the mandatory specialty pharmacy program or specialty prescription drugs.