Health Insurance

A Message From the City of Chicago

The City again is sponsoring several fully-insured healthcare coverage options for retirees through Blue Cross Blue Shield of Illinois (BCBSIL). For the 2020 Plan Year, BCBSIL will continue to offer three Medicare Advantage Plan options for those eligible for Medicare and two Non-Medicare Plan options for those who do not have Medicare. Certain options will have different benefit terms for 2020 than for 2019. 

BCBSIL will communicate directly with the retirees as to the rates and the specific changes to their healthcare coverage options. Again this year, the City will not send a mailing to retirees. The City understands that current BCBSIL PPO participants will remain enrolled for 2020 in their current BCBSIL plan unless they choose to cancel or change the health coverage directly with BCBSIL.

Non-Medicare Retiree packets and Medicare Advantage Prescription Drug Plan Annual Notice of Change and Medicare Retiree packets were mailed out the week of October 28, 2019. 

The Member Service Center is open seven days a week from 8:00 a.m. to 8:00 p.m. for Medicare Eligible retirees and from 8:00 a.m. to 5:30 p.m., Monday through Friday for Non-Medicare Eligible retirees to answer questions. The telephone numbers are:

Medicare – 1-877-566-8520                Non-Medicare – 1-800-292-6398



Many of the unions which represent City employees have taken the step of forming the Labor Benefits Association (LBA) in order to sponsor health insurance coverage alternatives for annuitants. The LBA is a non-profit organization whose sole purpose is to provide benefits to participating members. LBA membership is available to any former City employeeor surviving spouse of a former City employee who is receiving a retirement annuity from LABF. Eligible annuitants do not have to be a current or former union member to join.  The LBA will be sponsoring several plans offered by Aetna, allowing its members to cover themselves and their dependents. Enrollment will take place in late November and is ongoing for those who retire at a future date.

Annuitants will receive a brochure pertaining to the Aetna plans and the LBA in the mail. 

Questions regarding the Aetna plans may be directed to the plan administrator:

  • Doyle Rowe LTD: (866) 201-2524 (8:30 a.m. to 4:30 p.m. CT, Monday through Friday)  

Questions may also be referred to Aetna:

  • Medicare Plans: (800) 307-4830 (7:00 a.m. to 8:00 p.m. CT, Monday through Friday)   
  • Non-Medicare Plans: (866) 307-6210 (8:00 a.m. to 6:00 p.m. CT Monday through Friday)

Annuitants should inform the call taker that they are calling to learn more about the new plans offered by the LBA.


The City makes no representations or promises that it will sponsor any future healthcare plans for non-Korshak/Window retirees after 2019. These changes do not apply to retirees who are part of the Korshak/Window group, which includes those who retired from the City prior to August 23, 1989.

They will receive a separate notice from the City regarding annuitant contribution rates for 2020.


Helpful information regarding healthcare options for annuitants who are:

Please note that the LABF is providing this information for your convenience and does not endorse any healthcare plan.

Board of Education

Chicago Public Schools (CPS) has released their Retiree Healthcare Rates for 2020. If you are a CPS Retiree who participates in their healthcare plan, you may visit to review the new rates.

Important Information for Board of Education Annuitants and Members

The LABF has been informed by the Board of Education that it will not offer retiree healthcare to employees who retire after September 1, 2013. Should you have any questions regarding this policy, please contact the BOE’s Human Capital Office at (773) 553-4748.

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