This tool is designed to assist OPERS benefit recipients considering re-employment. It assumes the benefit recipient meets age and service requirements for the OPERS Retiree Health Plan. Also, for those whom are Medicare eligible and are enrolled in Medicare Parts A and B.

Select which employment option you are considering from the options below.

Private Private Sector OR Non-OPERS public employer
OPERS public employer

As an OPERS benefit recipient working for a private employer or a non-OPERS public employer, you will receive:

  • Your OPERS pension and your employment salary.

If you are Medicare eligible, you may be eligible to select/keep a plan through the OPERS Medicare Connector, and receive a monthly Health Reimbursement Arrangement (HRA) allowance to fund the purchase of your individual Medicare plan.

If you are not Medicare eligible you are able to maintain your current enrollment in the OPERS group plan (if applicable).

Start over - change your employment option

Important considerations when returning to work for an OPERS employer as a re-employed benefit recipient:

  • Returning within the first two months to any OPERS employer after retirement results in forfeiture of pension benefits, including access to the OPERS health care plan, during the first two months of retirement.
  • Returning as an Independent Contractor to any OPERS employer within the first two months of retirement or returning to the same employer at any time results in partial forfeiture and suspension of the retirement benefits without access to the OPERS health care plan for the length of the contract.
  • If you retire and then return to work in an OPERS-covered position, OPERS requires you to enroll in your employer's health plan if the employer offers coverage to other employees in similar positions. Re-employed retirees are not eligible for OPERS health care coverage while re-employed if they fail to enroll in their employer’s health care coverage unless they enroll in comparable health care coverage available elsewhere. Comparable coverage does not include Medicare and OPERS coverage cannot coordinate with an employer sponsored High Deductible Health Plan (HDHP).
  • If you are a Medicare-eligible OPERS benefit recipient returning to work for an OPERS employer as a public employee (re-employed retiree or employed survivor benefit recipient) you are not eligible to receive monthly Health Reimbursement Arrangement (HRA) allowances and will not have access to HRA balances to pay claims for dates of service incurred during the month(s) of re-employment. Federal health care laws and regulations allow OPERS to provide a stand-alone HRA only for retirees and cannot permit the participation of active public employees.
  • In order for a spouse or any eligible dependents to be enrolled in the Re-employed Health Plan you must also be enrolled in the Re-employed Health Plan.

Will you be offered health care by your employer?

Yes
No

Under Ohio law, OPERS employers are required to provide primary health care coverage to OPERS retirees if it is provided to other employees performing comparable work or in a comparable position. OPERS re-employed retirees are not eligible for OPERS health care coverage if they fail to enroll in coverage available through their employer, unless they enroll in comparable health care coverage elsewhere. Comparable coverage does not include Medicare.

Federal eligibility rules regarding the Health Savings Account (HSA) that is coupled with your employer’s coverage provide that you may not be enrolled in another health care plan while participating in the HDHP/HSA. Therefore, you are not eligible to participate in the OPERS group health care coverage as secondary coverage to your employer’s HDHP/HSA plan. See IRS Publication 969 at www.irs.gov.

Employers are required to offer health care to re-employed retirees if they offer coverage to other employees performing comparable work.

Will you take health care coverage offered through your employer (or comparable coverage elsewhere)?

Yes
No

Are you Medicare eligible?

Yes
No

If you are Medicare-eligible, you can opt to have the Medicare Re-employment Health Plan as supplemental to Medicare and your employer’s coverage as long as it coordinates with your employer’s (or other ) coverage.

If you are Pre-Medicare you can opt to have the Pre-Medicare Re-employment Health Plan as secondary coverage as long as it coordinates with your employer’s (or other) coverage.



You must provide proof of creditable coverage to be enrolled in the Re-employed Health Plan.

Are you Medicare Eligible?

Yes
No

Medicare and Pre-Medicare Re-employed Health Plans are not available to you.

For those who are Medicare eligible: When your re-employment ends, if you are enrolled in a medical plan through the OPERS Medicare Connector, your Health Reimbursement Arrangement (HRA) allowance will resume.

However, you will not receive an HRA during any month in which you were re-employed.

Start over - change your employment option

Upon notification from your employer that your public employment has terminated, your HRA will resume.

This applies to the first time you are re-employed in a calendar year. If you return to work a second time in a calendar year, you will not receive HRA allowances for the remainder of the calendar year. Please contact OPERS for more information on your options.

Start over - change your employment option

An application along with proof of enrollment in Medicare Parts A & B must be received by OPERS within 60 days of your employment start date to enroll in the Medicare Re-employed Health Plan. If your employer offers health care coverage you must enroll and provide proof of creditable coverage.

Upon notification from your employer that your employment has ended your Medicare Re-employed coverage will terminate.

Once enrolled in a medical plan through the OPERS Medicare Connector your HRA will resume. This applies to the first time you are re-employed in a calendar year. If you return to work a second time in a calendar year, you will not receive HRA for the remainder of the calendar year. Please contact OPERS for more information on your options.

Start over - change your employment option

Upon notification from your employer that your public employment has terminated you are eligible to participate in the HRA. Once enrolled in a medical plan through the OPERS Medicare Connector (or administrated by Via Benefits™) your HRA will begin/resume.

This applies to the first time you are publicly re-employed in a calendar year. If you return to work a second time in a calendar year, you will not receive HRA allowances for the remainder of the calendar year. Please contact OPERS for more information on your options.

Start over - change your employment option

As an OPERS benefit recipient returning to work for an OPERS employer as a public employee (re-employed or employed survivor benefit recipient), you are not eligible to receive a monthly Health Reimbursement Arrangement(HRA) allowance.

You will not have access to HRA balances to pay claims for dates of service incurred during the month(s) of re-employment.

Federal health care laws and regulations allow OPERS to provide a stand-alone HRA only for retirees and cannot permit the participation of active public employees.

The OPERS health care options available to you are:

Enroll in OPERS group plan for re-employed recipients
Do not select any option available through OPERS
Enroll in medical plan through the OPERS Connector

Your coverage options are:

Currently enrolled in the OPERS group plan
Would like to enroll in the OPERS group plan

Upon notification from your employer your coverage will be automatically moved to the Pre-Medicare Retiree Health Plan which has a higher premium. Please log into your My Account to review an estimate of the premium amount. If your employer offers health care coverage you must enroll and provide proof of creditable coverage to maintain enrollment.

Upon notification from your employer that your employment has ended your coverage will be automatically moved to the Pre-Medicare Retiree Health Plan.

Start over - change your employment option

An application must be received by OPERS within 60 days of your employment start date to enroll in the Pre-Medicare Re-employed Health Plan. If your employer offers health care coverage, you must enroll and provide proof of creditable coverage to be eligible for the Re-employed Health Plan.

Upon notification from your employer that your public employment has terminated, your coverage will be automatically moved to the Pre-Medicare Re-employed Health Plan.

Start over - change your employment option

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