For retirees who qualify, the County offers medical insurance benefits to retirees that are similar to medical benefits that you receive as an active employee under the County's Retiree Medical Coverage program. For most retirees living in California, that means the County pays for the equivalent of single coverage under the Kaiser non-Medicare health plan.
If you decide to live outside of California in retirement and would like to keep County-offered coverage, the County offers HealthNet PPO and HealthNet Flexnet.
If you choose to waive County-offered coverage, the County of Santa Clara also offers a Payment In-Lieu program if you will permanently reside outside of California where you may receive compensation instead of medical insurance. To be eligible for this option, you must permanently reside outside of California and provide proof of coverage in major medical insurance. Payment In-Lieu is considered compensation and therefore taxable. A 7% California income tax is applied.
One note: Dental and Vision benefits are not included in the Retiree Medical package that we offer. You may elect dental or vision coverage under COBRA for as long as the program allows or other means upon retirement. These would be out-of-pocket expenses for you.
If at the time of retirement, you do not meet the eligibility criteria for the County’s Retiree Medical Coverage Program, you can buy health insurance for you and your dependents under COBRA for as long as the program allows, through a state health care exchange, or through a private insurance provider.
Refer to your Benefits Guide for more information about Retiree Medical eligibility. If you have any other questions about your specific retirement benefits, please email our retirement benefits team.