Retiree Benefits

Find information about 2024 benefits:

2025 Retiree Benefits

Annual Medical Costs

2025 Medical, Dental, and Vision Plan Costs

Medical and Prescription Plans

CareFirst BlueChoice HMO Open Access

With CareFirst BlueChoice HMO Open Access, you can select your doctor from a regional network of physicians, specialists and hospitals located throughout Maryland, Washington, D.C. and Northern Virginia. CareFirst aims to keep you healthy by emphasizing prevention, early detection and early treatment.

2025

Other Resources

Open Access Aetna Select HMO

There’s no requirement to select a PCP, or obtain referrals for specialty care. The network of medical providers and facilities is nationwide, offering a full range of primary care doctors and specialists. When you visit a network provider, you will pay a flat copay for your care. Network providers will handle all of the claims paperwork for you. In order to receive benefits from this plan, you must see network providers.

Aetna Open Choice PPO

You can receive care within the network and pay less for your care. Or, you can choose to receive care outside the network and still receive benefits, but at a higher cost. There are no referral requirements.

Aetna’s nationwide Open Choice PPO network includes 934,260 health care providers; 159,100 of whom are Primary Care Providers (PCPs). This makes it easy to find a network doctor or a hospital, whether you are at home, work or traveling.

Other Member Resources (Open Access Aetna Select HMO and Open Choice PPO)

Prescription Plan – CVS Caremark

CVS Caremark continues to manage your prescription benefits on behalf of Howard County Public School System. CVS Caremark offers affordable medication pricing, thousands of network pharmacy choices (including home delivery) and personalized support for you and your family. If you are enrolling in the Medical Plan, you will be automatically enrolled in the Pharmacy Plan administered by CVS Caremark.

Dental Plans

Cigna PPO (Total Plan)

The Cigna PPO has a national network of dentists with no need to select a primary care dentists. Employees will have the freedom to visit any licensed dentist you wish, but selecting an “in-network” Cigna PPO provider will result in the lowest out-of-pocket costs to the employee.

Aetna DMO

Aetna DMO is a dental maintenance organization (DMO). Aetna DMO offers a list of participating dentists for your care. It is important that you review your choices of Primary Care Dentist (PCD) in your area to make sure that this is the right plan for your dental needs. A PCD selection will not be mandatory during enrollment process. However, in order to use your DMO benefits a PCD is required. Once you enroll, Aetna will send you a “Welcome Kit” in the mail The Welcome Kit will include a reminder of the mandatory PCD election and a sample ID card. Once the Welcome Kit is received, employees should call the Aetna Customer Service line at 877-238-6200 Monday through Friday 8:00am to 6:00pm or login to the member website at https://www.aetnaresource.com/p/HCPSS-Open-Enrollment-2025 to select your PCD and/or for additional assistance. Once a PCD is elected from the Aetna network, employees can set-up a dentist appointment to see their provider. There is no deductible to meet, no annual dollar maximums, and no claim forms for you to file.

Your selection of PCD must be made prior to the 15th of the month, in order to take effect the first of the next month.

Vision Service Plan (VSP)

Vision Service Plan Benefits Summary
VSP.com at Your Fingertips
Combat Digital Eye Strain
VSP TruHearing
VSP Benefits Web Site – view your vision benefit information, register as a member.
1-800-877-7195 – Member Benefit Services.
The Ultimate Provider Playlist
Eyeconic – Browse with Benefits

Maryland State Pension

State Retirement and Pension System of Maryland

Life Insurance

Basic Life and Accidential Death and Dismemberment (AD & D)

HCPSS offers eligible employees life insurance and accidental death and dismemberment (AD&D) insurance at not cost to the employees. The amount of life insurance is equal to the employees’ current annual salary.

Life, Accidental Death and Dismemberment Insurance Information

Overview

Legal Notices

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