Retirement Insurance

2023-24 Retiree Health Information


Eligible employees must complete an enrollment form to continue benefits with Memphis-Shelby County Schools.  Eligible employees must be enrolled in the MSCS Retiree Medical Insurance to participate in the dental and/or the vision plan. 

Note: Should you lose coverage or cancel medical, dental and/or vision benefits for yourself and/or a dependent, you will NOT be allowed to reinstate coverage at any time (even if you lose coverage elsewhere).  There is no qualified event period to add your spouse/dependent(s) to retiree coverage (even if they lose coverage elsewhere).  To continue dependent coverage at retirement, the dependent(s) must be enrolled in your active health plan prior to retirement. 


Pre-65 Retirees - 3 Medical Plans Offered

Medical PlansRetiree ONLY Retiree + 1Family
OAP In-Network Plus $299.56$599.11$835.76
OAP Basic Option$271.87$543.73$758.49
Choice Fund HRA Option$246.27$492.52$687.07

Note:  Prior to your 65th birthday, you must enroll and provide a copy of your Medicare A&B card to Benefits to continue your coverage with Memphis-Shelby County Schools.


View details about Post-65 plan here, and view a breakdown of rates here.

Dental & Vision for Pre-65 and Post-65 Retirees

You can not add dental/vision coverage if you did not have it prior to retirement. Your premium for dental and/or vision will be deducted from your TCRS retirement check. You must be enrolled in the MSCS Retiree Medical Insurance in order to participate in the dental and vision coverage. Listed below are the costs:

MSCS DPPO ($1500) Option (DENTAL ONLY)RETIREE ONLY Retiree + 1Family
MSCS Basic Dental$25.79 (per month)$54.17$77.38
MSCS Vision Plan$5.10 (per month)$9.77$15.84

Basic Life Insurance

Retirees are required to have basic life insurance prior to retirement to continue coverage at retirement. The coverage is 50% of your active coverage amount at retirement (you pay 25%) OR $10K coverage at no charge.  

To inquire about continuation of supplemental life insurance, go to (Policy Number: 34548 – Access Key: shelbycty) or call 1-866-365-2374.  Supplemental life insurance coverage election must take place within 31 days from your last day of coverage.

2024 Memphis-Shelby County Schools