Your employer selects which plan options are available to you. Contact your payroll/benefits office or check out the Benefits Available to Me tool if you need help.
Local Traditional Plan (PO2/12)
2025 Medical benefits
2025 Summary of Benefits and Coverage
2024 Medical benefits
2024 Summary of Benefits and Coverage
Retiree plan options
Whether you are thinking about retirement, newly retired or have been doing this a while, find details about your options in retirement as a former local employee.
Ready to retire?
Check out the retirement checklist to help you plan and apply for retirement.
I am newly retired.
In most cases, your coverage will automatically continue when you retire. For questions about your coverage, contact an ETF Benefits Specialist at (877) 533-5020 or schedule an appointment.
Want more information?
- Understand how your health benefits work during retirement
Making changes to your plan
Plan and benefit changes can be made during Open Enrollment each year. Review your options:
- Review key differences between the plans for PO2 and PO12
- View premium rates for PO2 and PO12
- Visit ETF’s website to enroll or make changes to your current selections
I am currently Medicare eligible.
Make sure you and your Medicare-eligible dependents are enrolled in both the hospital (Part A) and medical (Part B) portions of Medicare as soon as you turn age 65 or have the opportunity to enroll in Medicare. You’ll be enrolled in the MedicareRx prescription drug plan (Part D) with Navitus automatically.
Contact ETF if you haven’t received the Medicare Eligibility Statement at least one month before your 65th birthday, or if you’ve been on Social Security disability for 24 months.
Get the details
You’ll have three plan design options to choose from with your employer: Health Plan Medicare, Medicare Advantage, and Medicare Plus.
- Visit the Medicare information FAQs to learn more
- Review the key differences between the plans for PO2 and PO12
- Use ETF’s Health Plan Search Tool to view plan options
- View premium rates for PO2 and PO12
Next steps
Visit ETF’s website to enroll or make changes to your current selections.
Local Deductible Plan (PO4/14)
2025 Medical benefits
2025 Summary of Benefits and Coverage
2024 Medical benefits
2024 Summary of Benefits and Coverage
Retiree plan options
Whether you are thinking about retirement, newly retired or have been doing this a while, find details about your options in retirement as a former local employee.
Ready to retire?
Check out the retirement checklist to help you plan and apply for retirement.
I am newly retired.
In most cases, your coverage will automatically continue when you retire. For questions about your coverage, contact an ETF Benefits Specialist at (877) 533-5020 or schedule an appointment.
Want more information?
- Understand how your health benefits work during retirement
Making changes to your plan
Plan and benefit changes can be made during Open Enrollment each year. Review your options:
- Review key differences between the plans for PO4 and PO14
- View premium rates for PO4 and PO14
- Visit ETF’s website to enroll or make changes to your current selections
I am currently Medicare eligible.
Make sure you and your Medicare-eligible dependents are enrolled in both the hospital (Part A) and medical (Part B) portions of Medicare as soon as you turn age 65 or have the opportunity to enroll in Medicare. You’ll be enrolled in the MedicareRx prescription drug plan (Part D) with Navitus automatically.
Contact ETF if you haven’t received the Medicare Eligibility Statement at least one month before your 65th birthday, or if you’ve been on Social Security disability for 24 months.
Get the details
You’ll have three plan design options to choose from with your employer: Health Plan Medicare, Medicare Advantage, and Medicare Plus.
- Visit the Medicare information FAQs to learn more
- Review the key differences between the plans for PO4 and PO14
- Use ETF’s Health Plan Search Tool to view plan options
- View premium rates for PO4 and PO14
Next steps
Visit ETF’s website to enroll or make changes to your current selections.
Local Health Plan (PO6/16)
2025 Medical benefits
2025 Summary of Benefits and Coverage
2024 Medical benefits
2024 Summary of Benefits and Coverage
Retiree plan options
Whether you are thinking about retirement, newly retired or have been doing this a while, find details about your options in retirement as a former local employee.
Ready to retire?
Check out the retirement checklist to help you plan and apply for retirement.
I am newly retired.
In most cases, your coverage will automatically continue when you retire. For questions about your coverage, contact an ETF Benefits Specialist at (877) 533-5020 or schedule an appointment.
Want more information?
- Understand how your health benefits work during retirement
Making changes to your plan
Plan and benefit changes can be made during Open Enrollment each year. Review your options:
- Review key differences between the plans for PO6 and PO16
- View premium rates for PO6 and PO16
- Visit ETF’s website to enroll or make changes to your current selections
I am currently Medicare eligible.
Make sure you and your Medicare-eligible dependents are enrolled in both the hospital (Part A) and medical (Part B) portions of Medicare as soon as you turn age 65 or have the opportunity to enroll in Medicare. You’ll be enrolled in the MedicareRx prescription drug plan (Part D) with Navitus automatically.
Contact ETF if you haven’t received the Medicare Eligibility Statement at least one month before your 65th birthday, or if you’ve been on Social Security disability for 24 months.
Get the details
You’ll have three plan design options to choose from with your employer: Health Plan Medicare, Medicare Advantage, and Medicare Plus.
- Visit the Medicare information FAQs to learn more
- Review the key differences between the plans for PO6 and PO16
- Use ETF’s Health Plan Search Tool to view plan options
- View premium rates for PO6 and PO16
Next steps
Visit ETF’s website to enroll or make changes to your current selections.
Local High Deductible Plan (PO7/17)
2025 Medical benefits
2025 Summary of Benefits and Coverage
2024 Medical benefits
2024 Summary of Benefits and Coverage
Retiree plan options
Whether you are thinking about retirement, newly retired or have been doing this a while, find details about your options in retirement as a former local employee.
Ready to retire?
Check out the retirement checklist to help you plan and apply for retirement.
I am newly retired.
In most cases, your coverage will automatically continue when you retire. For questions about your coverage, contact an ETF Benefits Specialist at (877) 533-5020 or schedule an appointment.
Want more information?
- Understand how your health benefits work during retirement
Making changes to your plan
Plan and benefit changes can be made during Open Enrollment each year. Review your options:
- Review key differences between the plans for PO7 and PO17
- View premium rates for PO7 and PO17
- Visit ETF’s website to enroll or make changes to your current selections
I am currently Medicare eligible.
Make sure you and your Medicare-eligible dependents are enrolled in both the hospital (Part A) and medical (Part B) portions of Medicare as soon as you turn age 65 or have the opportunity to enroll in Medicare. You’ll be enrolled in the MedicareRx prescription drug plan (Part D) with Navitus automatically.
Contact ETF if you haven’t received the Medicare Eligibility Statement at least one month before your 65th birthday, or if you’ve been on Social Security disability for 24 months.
Get the details
You’ll have three plan design options to choose from with your employer: Health Plan Medicare, Medicare Advantage, and Medicare Plus.
- Visit the Medicare information FAQs to learn more
- Review the key differences between the plans for PO7 and PO17
- Use ETF’s Health Plan Search Tool to view plan options
- View premium rates for PO7 and PO17
Next steps
Visit ETF’s website to enroll or make changes to your current selections.
Local Annuitant Health Program (PO8)
The Local Annuitant Health Program (LAHP) offers coverage for certain local retirees and surviving dependents.
2025 Medical benefits
2025 Summary of Benefits and Coverage
2024 Medical benefits
2024 Summary of Benefits and Coverage
Know your network
Our three regional networks all offer access to high-quality care, but other features, like covered areas or providers, may be different. Learn how to choose the right network for you and search provider directories.
Understand your benefits
Get to know your health and wellness extras from Quartz, with programs to support mental well-being and your whole health.
Understanding your plan
Explore the basics of your health insurance plan, like how it works, key terms, and benefits.
Digital tools
Quartz brings access to care closer with digital tools, such as MyChart and virtual visits.
Additional resources
Contact us
Quartz is here to help. That’s why we make it easy to reach us.
Call Quartz Customer Success (844) 644-3455 or message us on Quartz MyChart.