Account Login - Access your personal SERS account
Home Retiree Health Insurance REHP Eligibility and Premium Assistance

REHP Eligibility and Premium Assistance

The Retired Employees Health Program (REHP) is NOT a SERS program, but a program administered by the Office of Administration.  SERS provides the following REHP information solely as a service to its members.  The information is NOT intended to be all-inclusive, but general and is subject to change. 

  

Eligibility for REHP (based on your years of credited service and age at retirement) and any associated premium costs are subject to collective bargaining.   For the specific rules and exceptions that may apply to you, consult your collective bargaining agreement or contact the HR Service Center at 1.866.377.2672*.    Please note that the Commonwealth retains the right to modify the benefits provided under the REHP at any time, regardless of your date of retirement.  While your retirement counselor can answer questions regarding your eligibility for the REHP, questions about the REHP medical or prescription plans should be directed to the Pennsylvania Employees Benefit Trust Fund (PEBTF).

*Employees who work at the Liquor Control Board, Office of the Attorney General, Gaming Control Board, Public Utility Commission, Auditor General and all other agencies not under the Governor’s jurisdiction should contact their local HR office for assistance.

Eligibility for the commonwealth's REHP (years of credited service and age at retirement) and any associated premiums are subject to collective bargaining. In addition, the commonwealth, as sponsor of the REHP, reserves the right at any time to amend or modify any and all benefits under the REHP.  The Secretary of Administration and the Governor's Executive Board make the decisions regarding the benefits to be provided, applicable deductibles and the amount of premium assistance, if any, to which you and your eligible dependents may be entitled. 
    

Categories of REHP Premium Assistance
Under the current terms and conditions of the REHP, there are three categories of State REHP premium assistance:

  • Fully State-Paid – This means the State will pay the full cost of REHP coverage for the retiree and eligible dependents.  (Available to employees who retired on or before June 30, 2005 and certain specified bargaining units.)
     
  • Contribution Rate Coverage, aka Majority State-Paid – For most members retiring on or after July 1, 2005 and meeting Contribution Rate coverage eligibility requirements listed below, the State will pay the majority portion of the REHP premium and the retiree must contribute a member share (certain bargaining units are exempt from this requirement).
          
    • For employees who retired on or after July 1, 2005 but before July 1, 2007 and met the eligibility requirements for Contribution Rate coverage, SERS will deduct the member share of 1% of the member’s final base annual salary in equal monthly payments from the member’s annuity payments.
        
    • Members who retire on or after July 1, 2007 and meet the eligibility requirements for Contribution Rate coverage will pay an annual contribution rate*.

* The contribution rate shall be a percentage of the employee’s final annual gross base salary at the time of retirement from State service, and will be payable monthly at the rate of one-twelfth of the annual contribution rate.  For most employees who retired on or after July 1, 2007 through June 30, 2011, they must contribute a percentage of either their final annual gross salary or final average salary, whichever is less, toward the cost of REHP coverage.  For most employees who retire on or after July 1, 2011, the retiree contribution will be based on the employee’s final average salary.  For the majority of retirees who retire after July 1, 2007 the contribution rate will be 3% and will be reduced to 1.5% upon the retiree becoming Medicare eligible. 

  • $5.00 State Payment – Retiring members not meeting the requirements listed below for State REHP Premium Assistance will only qualify for a $5.00 State premium assistance payment provided the retiree has at least five years of credited service when retiring prior to superannuation age or at least three years of credited service when retiring at or over superannuation age.  Employees who entered SERS, PSERS, TIAA-CREF or ARS membership on or after January 1, 2011 (PSERS on or after July 1, 2011) must have at least ten years of credited service in the system when retiring prior to superannuation age and at least three years of credited service when retiring at or after superannuation age.

REHP Eligibility 
Contribution Rate Coverage
    

  • Retire after reaching Normal Retirement Age (age 50 or 60 (55 or 65 for employees subject to Act 120 of 2010), depending on your class of service) with 20 or more years of credited service*  
     
  • Retire at any age with 25 or more years of credited service 
     
  • Receive a SERS Disability Retirement Benefit   
*If as of June 30, 2008 you have at least 15 years of credited service (including purchasable service that you have not yet purchased) and are at or after Normal Retirement Age, or you have 13 years of credited service (including purchasable service that you have not yet purchased) and are within one year of Normal Retirement Age, you will be eligible to elect REHP coverage upon reaching Normal Retirement Age with 15 years of credited service rather than 20 years.  Also, the “three-year rehire rule,” described in the below special note, will not apply.
  
  

Special Note For Members With A Break In Service  
If you retire after reaching Normal Retirement Age and return to State service, you must earn at least three years of credited service from the most recent period of employment in order to qualify for Contribution Rate Coverage.  If you had qualified, other than through disability retirement, for employer paid coverage in the REHP prior to the most recent rehire period, this three year requirement will not apply.  In addition, if you leave State employment due to furlough and then return during the recall period, the “three-year rehire rule” will not apply. 

  

Service milestones for health benefits for employees of The Pennsylvania State University and independent agencies may differ. SERS members who retire from independent agencies should contact their agency for information on enrollment qualifications, canceling coverage, adding or removing dependents and available benefits.  For the specific rules and exceptions that may apply to you, consult your collective bargaining agreement.  Your SERS Retirement Counselor can explain if you qualify for REHP.


  

REHP Plans 
  

 

 Available REHP Plans*
 
Retirements Before
July 1, 2004
Retirements On or After
July 1, 2004
Non-Medicare
Eligible
Basic
PPO
HMOs
Prescription drug plan**
CDHP
PPO
HMOs
Prescription drug plan**
Medicare
Eligible
Medicare HMOs
Medicare PPO
Part D prescription drug plan**
Medicare HMOs
Medicare PPO
Part D prescription drug plan**


*  The REHP benefit plan is subject to modification by the commonwealth.
** Prescription drug plan with applicable co-pays.

  


 

For more REHP information see:
  
  
  
  
 
 
Additional Helpful Links:
Medicaid
   


Last published: 02/12/2014 09:46 AM