2026 Retirement Benefits

PPO Plan

• $500 individual / $1,000 family deductible

• 20 percent coinsurance (after deductible)

• $15 primary care and $25 specialist copays

• $0 MDLIVE virtual visits

• $3,000 individual / $6,000 family out-of-pocket maximum

High-Deductible Plan (HDP)

• $1,700 individual / $3,400 family deductible

• 20 percent coinsurance (after deductible)

• $0 MDLIVE virtual visits

• HSA-compatible

Prescription Coverage:

• Retail (30-day): $15 generic / $30 preferred / $60 non-preferred

• Mail order (90-day): $30 / $60 / $120

• Specialty: $10 / $20 / $40

• HDP members pay full cost until deductible is met

Provider and pharmacy information is available at Blue Cross Blue Shield Website.

Medicare-eligible retirees may choose from two PEBC Group Medicare Advantage plans offered through Blue Cross and Blue Shield of Texas:

Blue Cross Group Medicare Advantage Open Access (PPO)

• Nationwide coverage with no referrals 

• Access to any provider that accepts the plan

• Includes Medicare Part A, B, and D coverage

Blue Cross Group Medicare Advantage HMO

• Available to Texas residents 

• Requires selecting a primary care physician

• Includes Medicare Part A, B, and D coverage

Both plans include:

• $35 monthly insulin cost cap 

• $0 cost for covered vaccines

• Routine vision and hearing benefits (TruHearing)

• SilverSneakers fitness program

• MDLIVE virtual visits 

• Non-emergency transportation and post-discharge meals

2026 Medicare Part D cap: Maximum annual out-of-pocket for prescriptions is $2,000.

Dental benefits are provided through Delta Dental.
Delta Dental PPO (DPPO)

• Choose any licensed dentist; in-network providers offer lower costs.

• Preventive care covered at 100 percent in-network.

• Basic and major services covered after deductible; annual maximum applies.

DeltaCare USA DHMO

• Copayment plan with an assigned network dentist.

• Preventive care typically covered at 100 percent.

• Fixed copays for other services, no deductible, and no annual maximum.

Find a provider at Delta Dental's Website.

Vision benefits are provided through VSP. 
Coverage includes:

• Routine eye exams

• Lenses, frames, and contact lens options

• Low copays and generous allowances

• Access to Premier Program providers, including Visionworks

Create an account or find a provider at VSP's Website or call VSP Customer Care at 1-800-877-7195.

• Premiums are due on the 1st of each month

• Payments are not deducted from Social Security or TCDRS Retirement Payments

• You may pay by check or set up automatic bank draft through HealthEquity/WageWorks

Mail payments to: 
HealthEquity/WageWorks 
PO Box 660212 
Dallas, TX 75266-0212

Phone: 1-888-678-4881 
Website: Wage Works Website

Automatic payments are strongly encouraged to avoid coverage interruption.

Yes. Eligible dependents may remain on your retiree coverage.

• Medicare-eligible dependents will enroll in a Group Medicare plan

• Non-Medicare dependents will remain on the PPO plan

Yes, that message is correct — if you are keeping your current coverage through the end of 2025, you do not need to take any action right now. 

However, when your Medicare coverage begins in February, that will be considered a qualifying life event, and you will need to transition from your current retiree plan to a PEBC Group Medicare Advantage plan at that time.

You’ll receive information and enrollment materials from PEBC and Blue Cross Blue Shield a few months before your 65th birthday to guide you through this change.

Yes. When you become eligible for Medicare, it is a qualifying life event that requires a plan change. You’ll move from your pre-65 medical plan to a Group Medicare Advantage plan through Blue Cross and Blue Shield of Texas (BCBSTX).

Here’s what to expect:

• Apply for Medicare Parts A and B about three months before your 65th birthday.

• Once your Medicare coverage is active, you will receive a PEBC enrollment packet from BCBSTX with instructions to enroll in one of the available plans:

• Blue Cross Group Medicare Advantage Open Access (PPO)

• Blue Cross Group Medicare Advantage HMO (Texas residents only)

• Complete your enrollment as soon as you receive your packet to ensure a smooth transition.

Your new plan coverage will begin the first of the month in which your Medicare becomes effective.

Yes. The Medicare Part B premium (and, if applicable, Part D Income-Related Monthly Adjustment Amount [IRMAA]) is automatically deducted from your Social Security benefit payments once you begin receiving them.

You do not pay this to Tarrant County or PEBC — it is paid directly to Medicare through Social Security. 
Your retiree medical premium for the Group Medicare Advantage plan will continue to be billed separately through HealthEquity/WageWorks each month.

Yes. When your spouse becomes eligible for Medicare, that is another qualifying life event. 

They will transition from the non-Medicare retiree PPO plan to a PEBC Group Medicare Advantage plan (PPO or HMO).

PEBC will send your spouse enrollment information about two to three months before their 65th birthday. 
Be sure to respond promptly so there is no lapse in coverage.

You do not need to enroll in a separate Medicare Part D plan. 
Both PEBC Group Medicare Advantage plans — the Open Access PPO and the HMO — already include prescription drug coverage (Part D) as part of the plan.

Adding a separate Part D plan could cause you to lose eligibility for the PEBC retiree plan, so it’s important not to enroll in an outside prescription drug plan.