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Retiree Retreat Rights

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Retreat Rights* are NOT available for Retirees who leave/left the State of Montana Benefit Plan (State Plan) on or after January 1, 2017. 

Retreat Rights for Retirees 
Retirees who leave the State Plan due to enrollment in another health plan offering “minimum essential coverage” as defined by federal law will have a one-time opportunity to return to the State Plan. This is called a Retreat Right.

  • A Retiree wishing to re-enroll in State Plan coverage must notify HCBD of their desire within two years of their State Plan termination date.  
  • Re-enrollment is not allowed if there is any lapse in coverage.
  • Re-enrollment requests must include verification of continuous health plan coverage from the State Plan termination date along with a Retiree Reenrollment form which can be found on www.benefits.mt.gov. 
    • If the Retiree voluntarily leaves other coverage within the two-year time period;
      • The Retiree may only re-enroll during the Open Enrollment period (typically held in October of each year) following the request for re-enrollment; 
      • Coverage on the State Plan will be effective January 1 of the following plan year;
      • The Retiree must ensure there is not a lapse in coverage from the day the State Plan coverage terminated when cancelling their other coverage; and
    • Only dependents that were covered at the time the Retiree terminated the State Plan will be eligible to re-enroll, unless otherwise allowed by Open Enrollment.If a Retiree experiences an involuntary loss of other coverage within the two-year time period;
      • The Retiree must notify HCBD within 60 days of losing other health plan coverage;
      • To avoid a lapse in coverage, State Plan coverage will begin retroactive to the date the other health plan coverage ends following receipt of re-enrollment forms and payment; and
      • Only dependents covered at the time the Retiree terminated the State Plan will be eligible to re-enroll. Those dependents must also have experienced an involuntary loss of coverage that coincides with the Retirees loss of coverage.
    • A Retiree’s coverage and cost options for the State Plan after exercising their Retreat Right will be subject to the available plans and eligibility rules of the year in which the Retiree is eligible to re-enroll. (See the Summary Plan Document available at www.benefits.mt.gov to see current eligibility rules.)

Retreat Right Forms