Retiree Health Benefits

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Thank you for visiting the City of Merced's Retiree Health Benefits website. If you are a City of Merced retiree and qualify for retiree health benefits, you can find information about your benefits below. If you have questions about your benefits contact the City of Merced Insurance Department at (209) 388-7100.

For those retirees in retirement status before the date indicated in their respective Memorandum of Understanding (MOU), the City agrees to contribute the amount necessary to provide a comparable hospital/medical plan for each eligible retiree.

For those active unit members who retire after the date indicated in their respective MOU, the City agrees to contribute the monthly premium for each eligible retiree capped at a specific amount for retirees over and under age 65. The retiree shall pay any amount over the capped premium.

An eligible employee who retires after August 1, 1998 shall be eligible to continue coverage under the City’s group dental and vision plans. The premium shall be the responsibility of the retiree. At age 65, or upon dropping coverage, or death of the retiree, the City’s group dental and vision plans will no longer be available to the retiree and his/her eligible spouse and/or dependents.

Access your bargaining unit's MOU


Medical Insurance Information – Age 65 and Older

The City of Merced's Medical plan for Retirees age 65 and older is a Group Medicare Advantage (PPO) plan. The plan is administered by United Health Care (UHC). An overview of the retiree medical plan for the 2019 plan year is posted below, along with additional services provided by UHC.

United Health Care: 1-877-714-0178


Medical Insurance Information – Under Age 65

The City of Merced's Medical plan for retiree’s under 65 is administered by Anthem Blue Cross. An overview of the retiree medical plan for the 2019 plan year is posted below, along with additional services provided by Anthem.

Anthem Blue Cross: 1-800-967-3015


Prescription Medication Benefits – Under Age 65

Prescription benefits for retiree’s under age 65 are bundled with your Medical Plan election. Prescription benefits are administered by Express Scripts. Below are some links to access Express Scripts' website and services.

Express Scripts: 1-877-554-3091


Carrum Health – Under Age 65

Effective January 1, 2019, all retirees under the age of 65 that reside in the State of California will have the opportunity to get access to the best surgeons without the worry of medical bills through Carrum Health. Carrum is a special surgery benefit that provides exclusive access to facilities and doctors that provide an improved patient experience, high quality of care, and zero out-of-pocket costs. With Carrum Health, you get expertly paired with highly qualified surgeons so you can get back to your life faster. Below are Carrum Health documents with additional details and FAQ’s to help inform you of this new benefit.

Carrum Health: 1-888-855-7806


Dental Benefits – Under Age 65

If you are under the age of 65, you may qualify for the City of Merced's Retiree Dental Plan. The City of Merced's Dental plan is provided by CSAC-EIA and administered by Delta Dental. The Dental plan offers benefits up to $1,000 per calendar year for most dental services. Below you will find information on the plan and links to Delta Dental resources.

Delta Dental: 1-888-335-8227


Vision Benefits – Under Age 65

If you are under the age of 65, you may qualify for the City of Merced's Retiree Vision Plan. The City of Merced has Vision Service Plan (VSP) for vision benefits. Documents can be found below for retiree Vision Benefits.

VSP: 1-800-877-7195

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