Retiree Medical Benefits


Retiree Benefits Guide 2024(PDF, 16MB)


The City of Fort Worth offers pre-65 retirees two medical plans: The Health Center Plan and the Consumer Choice Plan.

The Health Center Plan provides free and unlimited primary care services to plan members at three Health Center locations that are exclusive to the city and offer guaranteed same or next day appointments for sick visits. There are also four satellite offices that provide care, but are not exclusive to the city.

Visit the health center site to learn more and complete patient paperwork.

The Consumer Choice Plan provides a Health Savings Account (HSA) and low monthly premiums. Health services are billed at 100% until the deductible is reached. Then, in most cases for in-network providers, the plan pays 80% while the retiree covers 20% until the out of pocket maximum is reached.

Consumer Choice members are also free to use the city’s Health Centers and satellite locations for a flat rate of $60.




Non-Medicare Retirees

2024 Rates for Non-Medicare Retirees

Pre-65 Non-Medicare Retirees (Per Month)
Retiree only Retiree spouse Retiree child(ren) Retiree family
Health Center Plan $100 $760.32 $457.74 $1088.22
Consumer Choice Plan $0 $557.41 $297.29 $836.11

*Rates listed in chart are based on 25 years or more of service. View 2024 rate sheet below for more details.


More information

2024-Non-Medicare-Retiree-Rate-Sheet-FINAL.pdf(PDF, 88KB)

Medicare Retirees

When an employee turns 65 years of age and is eligible for Medicare, they should enroll in the Medicare Advantage PPO plan.

  • If you turn 65 and are eligible for Medicare, please send a copy of your Medicare Card to the Benefits Office using the contact information on the right side of this page, so you can be enrolled into the city’s Medicare Retiree Health Plan.
  • If you turn 65 and are not eligible for Medicare, but your spouse is eligible for Medicare; please call 1-800-772-1213 or visit to determine what options are available to you.

Failure to enroll into Part B when you reach age 65 will result in your being charged a 10% penalty (by Social Security) for every 12 month period you did not enroll and your enrollment would be delayed until July 1st of the year you enrolled during January through March. This can also result in increased payments for medical services while you await your effective enrollment into Part B in July.

2024 Rates for Medicare Retirees

Post-65 Medicare Retirees (Per Month)
Retiree only Retiree spouse
Medicare Advantage $0* $136.17*
 *Rates listed in chart are based on 25 years or more of service. View 2024 rate sheet below for more details. 


More information

2024-Medicare-Retiree-Rate-Sheet.pdf(PDF, 78KB)

2024-Retiree-Dental_Vision-Rate-Sheet.pdf(PDF, 77KB)  

Working Retirees

Because eligible retirees pay little or nothing for their health care, if working retirees are eligible for benefits with their current employer, they must leave the city’s plan and elect for coverage for themselves and their spouse with their current employer.

However, should the retiree lose coverage or leave that job, they can return to the city’s plan within a 30 day time period.

Eligibility for retirement benefits

An eligible Retiree is one:

  1. Who has retired and is receiving pension disbursements from the City of Fort Worth Retirement System; or
  2. Retiree’s spouse, common law spouse, child of an enrolled retiree who is a natural child, foster child, stepchild, grandchild, domestic partner’s child, legally adopted child or child under the retiree’s legal guardianship or custodianship.

Death Certification

In order to add your dependents to your plan, you need to supply Human Resources with the required forms of proof of relationship status. Unless otherwise indicated, all documentation should be originals.

Below are the documents required for each dependent type:


  • Marriage license
  • Tax return from the previous year
  • If common law: Declaration and Registration of Informal Marriage available at the county clerk’s office

Dependent children

  • Birth certificates listing employee, spouse or domestic partner as parent
  • If applicable:
    • Adoption agreement,
    • Legal guardianship documents
    • Divorce decree documents showing the dependent
    • Qualified Medical Court Support Order

Disabled Dependent Children age 26 or over

  • A completed Dependent Eligibility Questionnaire verifying an ongoing total disability.
  • Written documentation from a physician verifying an ongoing disability may be required. 

Death Benefits

All City of Fort Worth retirees are eligible for a $5,000 benefit payable to their beneficiary upon their death. The benefit is paid through the Fort Worth Employee’s Retirement Fund. 

City of Fort Worth Health Vendors

Learn more about health partners who work with the City of Fort Worth.


Airrosti is a health care group whose providers specialize in high quality, outcome-based musculoskeletal care.  Learn More 



 Alight provides city employees with health concierge services.  Learn More 







Delta Dental provides four dental coverage options, which are limited to certain networks and zip codes.  Learn More 



HealthEquity manages the City of Fort Worth's Health Savings Accounts (Consumer Choice Plan)  Learn more 





OptumRX is the City of Fort Worth's pharmacy benefit manager (PBM).   Learn More 







Southwestern Health Resources manages and oversees all City of Fort Worth health centers and satellite locations. (Health Centers)  Learn More 







SurgeryPlus is a supplemental additional benefit with each plan. They offer top board certified surgeons for hundreds of non-emergency surgeries.  Learn More  






TIAA oversees the city's 457 Deferred Compensation Plan, and offers regular financial workshops to city employees.  Learn More  



Meritain Health, an Aetna Company, is the medical insurance provider for the City of Fort Worth, offering a full spectrum of health benefits programs to city employees.  Learn More  







UNUM is responsible for the city's long-term disability coverage.  Learn More  



Securian oversees the city's life insurance. Learn More