City of Detroit Police & Fire Retiree Health Care Plan:

A program that helps you manage your health care benefits.


Request For Proposal: Third Party Administrator (TPA) Services

The Board of Trustees of the City of Detroit Police and Fire Retiree Health Care Trust is in the process of reviewing prospective TPA service providers for its Retiree Health Care Plan. The purpose of this Request for Proposal (RFP) is to define the Board's minimum requirements, solicit proposals and to gain adequate information from which the Board may evaluate such services.

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Stay Informed with DPFRHC Resources

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News & Media Room

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May

02

Membership Letter

Recently all Plan Members received a letter in the mail covering several matters of importance to all. It first referenced the position of Business Agent that was established by...

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May

02

Health Reimbursement Account (HRA) Reminders

If you are a member that participates in the HRA here are some friendly reminders as it relates to your benefits. Your 2016 qualified medical expenses will no longer be el...

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Health Care FAQ's

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I qualified for and am receiving the HRA contribution of $50 and the spouse contribution of $125. Will I still receive these HRA contributions?

Yes, you may continue to receive HRA contributions, however you will be asked to verify that you still meet the program qualifications for the HRA contributions.

Posted in: Health Care

I am a Medicare-eligible retiree, but my spouse qualified for the $125 additional HRA contribution. Will my spouse receive the HRA?

In this instance, an HRA will be set-up in the name of the retiree and will be credited each month with the amount of the additional spouse HRA contribution.

Posted in: Health Care

What happens if I do not opt-out of the HRA?

You will be automatically enrolled in the HRA and your account will be credited each month in the amount of your current stipend. Failure to opt-out in writing will result in your default enrollment in the RHC Trust's HRA coverage and as such, if you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges.

Posted in: Health Care

I purchase health insurance on a public healthcare exchange and receive federal tax subsidies. Will the HRA affect these subsidies?

Please be aware that HRAs are considered to be group health plans within the meaning of Internal Revenue Code § 9832(a); Section 733(a) of the Employee Retirement Income Security Act of 1974 (ERISA); and Section 2791(a) of the Public Health Service Act. If you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges. Therefore, if you are currently receiving federal tax credits, you may want to opt-out of coverage under the RHC Trust in order to preserve your eligibility for such tax credits on the public health exchanges.

Posted in: Health Care

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