Retiree Insurance Plans

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City retirees and surviving spouses who receive a monthly pension benefit and their eligible dependents may enroll in the City-sponsored health, dental and vision insurance at the time of retirement, during the annual open enrollment period and within 31 days of having a qualifying “change in family status.” City retirees and their spouses, and surviving spouses who receive a monthly pension benefit may apply for long-term care insurance at any time.


The City provides a choice of nine medical plans. One PPO plan, three HMO and two EPO plans are offered through Blue Cross Blue Shield of Kansas City.


The City offers a choice of two Humana Dental plans. The Humana Dental Advantage Plus plan requires you to use providers in the Humana Dental Advantage Plus network. The Humana Dental Traditional Preferred plan gives you the freedom to choose any dentist. However, if you select a dentist in the Traditional Preferred network you can take advantage of the discounted fees.

You can access CompBenefits to find Advantage Plus or Traditional Preferred dentists in your area of choice. Detailed directions on how to locate participating Humana dentists are available.


VSP offers a free discount plan, VSP Access Plan. All eligible retirees, surviving spouses and their dependents are automatically enrolled in the VSP Access Plan. If you pay a premium, you can enroll in the VSP Signature Plan with greater benefits. If you choose to enroll in the VSP Signature Plan, neither you nor your dependents will be enrolled in the VSP Access Plan.

Long-Term Care

The City offers long-term care coverage through Unum Life Insurance Company of America, a subsidiary of Unum Provident. At any time, you can obtain an enrollment kit that contains a schedule of benefits, plan costs and necessary forms by calling UnumProvident at 1-800-227-4165. You need to mention the City’s policy number, 115473. Retirees and spouses who wish to enroll must each complete the appropriate forms and send them directly to UnumProvident. All applicants must provide Evidence of Insurability. Once approved for coverage, you will be billed directly by UnumProvident.

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