Retiree Benefits

New Retiree Insurance Rates effective January 1, 2023
Open Enrollment for Medicare Supplemental Plans is happening the month of November.   


Letter to Retirees October 19, 2022


Blue Medicare Rx (PDP)

BCBS Medex Enrollment Form

Medicare Advantage PPO Blue with Freedom Rx is replacing Managed Blue for Seniors 1/1/2023

Plan Comparison Chart

Prescription Drug Formulary

Medicare Advantage Blue PPO Enrollment Form

The Town of Chelmsford requires insured retired employees and their covered spouses to file for Medicare Part A & Part B at 65 years.  It is recommended that you file four (4) months prior to your birth month with Social Security Administration either online, by calling your local office for an appointment or scheduling a phone interview by calling 1-800-772-1213.

If you or your covered spouse do not file for Medicare Part A & Part B at 65 years and file at a later date, you could both face financial penalties.  Further, an insured member may risk losing  HMO or PPO insurance coverage through the Town of Chelmsford as you are not able to remain on these plans past age 65.  Even if you do not qualify for Medicare Part A because you waived Medicare tax as an employee prior to 1986.  Retirees from the Town of Chelmsford must file and accept Medicare Part A & Part B at 65.

The Town of Chelmsford has adopted a program through Social Security to purchase Medicare Part A for its retirees and their spouses who do not qualify.  Please contact Human Resources for more details to see if this might apply to you.

Once you receive your Medicare card with Part A & Part B benefits, you may enroll in one of the two Medicare Supplemental plans offered by the Town of Chelmsford listed below.  A completed enrollment form must be filled out individually for each applicant and submitted along with a copy of the Medicare card to Human Resources.

2022 Insurance Rates

Annual Open Enrollment
For enrollment in the over 65 Medical Insurance, Annual Open Enrollment is the month of November.  Retirees and spouses either switching supplemental coverage between plans offered by the Town of Chelmsford or seeking insurance upon reaching age 65 and not currently insured by the Town of Chelmsford, enrollment is effective on January 1.

The Dental and Vision insurance annual Open Enrollment period is the month of May.  Enrollment is effective on July 1.

BCBS Enrollment Form 

Plan Summaries 

The Blue Medicare Rx, Prescription Drug Plan (PDP) is included as a benefit to both supplemental health plans above.  Here is the plan summary with co-payments:  Blue Medicare Rx - Prescription Drug Program