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Opting Out of Pensioner Insurance Benefits

As a Metro service or survivor pensioner, you have the option of continuing your medical and dental insurance or you may opt out of Metro’s coverage. If you choose to opt out of Metro’s coverage but wish to preserve your right, and the right of your eligible dependents, to opt back into Metro’s plans you must show proof of other non-Medicare coverage at the time of the opt out and must opt back into coverage within 60 days of an eligible change in status.  Non-Medicare insurance coverage may include other individual or group health plan coverage (for example, TriCare).  It does not include Medicare Advantage plans or Medicare-sponsored supplemental plans.

If you have an eligible change in status (marriage, divorce, death, birth, adoption or custody of a child, spouse losing insurance coverage or job, or you lost your other coverage, etc.), you must enroll and/or add the dependent to your insurance plan within 60 calendar days or you may never add the dependent at a later date, even during Annual Enrollment. For a complete list of eligible changes in status or if you have questions about adding or deleting dependents, contact Metro Human Resources.

If you do not wish to preserve your future rights to opt back in Metro's plan, you may drop your Metro coverage at any time without proof of other coverage.  If you opted out of Metro's medical and / or dental coverage prior to January 1, 2013, or if you opted out of Metro's plans after January 1, 2013 without providing proof of other non-Medicare insurance coverage at the time you opted out, you may never re-enroll in Metro's medical and / or dental plans.

Contact Information

If you would like to speak to a Benefits Representative regarding your Metro insurance, to opt-out of coverage, or to see if you qualify for an eligible change in status, please contact:

615-862-6700, Option 1