About Health Benefits

Whether you are retiring early, or you are already eligible for Medicare, healthcare coverage in your retirement years is an important part of your financial security.

The plans available to you through Cook County Pension Fund (CCPF) provide comprehensive protection and tools to manage your health throughout your retirement years.

You can review the details of eligibility and benefits available in our Health Benefits Guide.

Upcoming Health Benefits Events

    Open Enrollment for 2023
    Open Enrollment for changes effective January 1, 2023 runs November 1-30, 2022.

5 Fast Facts about CCPF's Retiree Medical Coverage

  • CCPF hired UnitedHealthcare to administer the retiree medical program.
  • The cost of coverage is shared between you and CCPF.
  • On average, you are paying about 50% of the cost.
  • All of our plans have either co-pays or co-insurance, which means you pay a small amount of the cost of each service.
  • Each plan offers prescription drug coverage.

Find Out Whether You're Eligible

Our Current Options

UnitedHealthcare offers two medical plans for retirees to choose from: the Choice Plan and the Choice Plus Plan. Since the UnitedHealthcare network is national, it doesn't matter whether you live in state or out-of-state, you have the option of enrolling in either plan.

Choice Plan

Choice Plus Plan

UHC's nationwide network

UHC's nationwide network

No deductible

Deductible before benefits are paid

Co-pays for doctor visits

Co-insurance for doctor visits

No referrals required

No referrals required

No coverage out-of-network

Coverage out-of-network


Rates and Coverage

Summary plan description of covered services in the UHC CHOICE plan
Summary plan description of covered services in the UHC CHOICE PLUS plan

Ready to enroll?

  • Instructions for completing the Health Benefits application (pdf)
  • Health Benefits application (pdf)

For other options like disenrolling from your existing plan or waiving coverage, visit here

Vision Coverage

Under the UHC Vision Plan eye glasses, contact lenses, and routine eye exams are covered whether you are enrolled in the UHC Choice or Choice Plus medical plan.

Learn more about vision coverage here.

Prescription Drug Coverage

Pharmacy coverage is automatically included with enrollment in any of CCPF's medical plans. CCPF makes these benefits available through CVS/Caremark and for Retirees enrolled in Medicare, through SilverScript.

Learn more about prescription drug coverage here.


CCPF provides supplemental health insurance coverage at a reduced premium rate for members over age 65 who are eligible for Medicare.

ArticleUnderstanding Medicare Requirements
Learn more about Plan Rates and Coverage and prescription drug benefits for Medicare retirees here.

Health Benefits Digest

Learn the latest about CCPF's Health Plan benefits in the quarterly Health Benefits Digest newsletter.