The Milwaukee Retired Fire & Police Association
Voluntary Retiree Dental & Vision Benefits
Administered by
Haymarket Specialty Benefits
FOR RETIRED MILWAUKEE PUBLIC SAFETY OFFICERS
Voluntary Dental & Vision Benefits
2027 Plan Year · Insured by MetLife
The Milwaukee Professional Fire Fighters Association Local 215 has worked diligently to secure an additional voluntary benefit now available to all Retired Public Safety Officers. While our retirement benefits have long been recognized as exceptional, one important component had been missing — access to dental and vision.
We are pleased to continue offering an exclusive Voluntary Group Dental and Vision program for all retired Public Safety Officers of the City of Milwaukee. This group plan is unavailable on the individual market and is offered solely to our retired public safety community. Local 215 collaborated closely with the City of Milwaukee Employee Retirement System (CMERS) and the CMERS Pension Board to bring this valuable benefit forward.
Below, you will find details on the benefits available to all eligible retired Public Safety Officers. Premiums for this coverage are automatically deducted from your monthly pension payments and, importantly, count toward the $3,000 annual “HELPS” maximum for qualified benefit payments.
Eligible: retired City of Milwaukee fire and police officers and their dependents, including children under age 27.
When can I enroll? During annual open enrollment, or within 31 days of a qualifying event — such as your COBRA coverage ending or losing other dental or vision coverage. Rates for 2027 are the same as 2026.
Want to enroll or make a change?
QUESTIONS & HELP
Haymarket Specialty Benefits
Your Plan Administrator
Call the Haymarket Specialty Benefits Retiree Helpline to:
• Request your enrollment materials
• Ask questions about the plans or finding a provider
• Get help with a claim or a coverage issue
Hours: Monday – Friday, 8:30 a.m. – 4:30 p.m. Central Time
ENROLL ONLINE
Start Your Enrollment1. Click Start Your Enrollment. A short request form opens — your name, phone, email, and department, plus a quick eligibility confirmation.
2. Complete the form and click Finish.
3. Watch your email. We’ll send you the full DocuSign enrollment application, where you choose your plans and tier and sign. Have your dependents’ dates of birth and Social Security numbers ready for that step.
Deductions begin with your next eligible pension payment.
Your Plans & 2027 Monthly Rates
DENTAL OPTION 1
Network Plan
The lower premium. Best value when you use a MetLife PDP Plus network dentist — their fees typically run 30–45% below the average in their community.
In network: 100% preventive, 80% basic, 50% major. Out of network: 80% / 60% / 40%.
$50 deductible (basic and major only) · $1,500 per person each year.
MONTHLY RATES
Retiree Only
$40.42
Retiree + 1 Dependent
$80.86
Family
$136.10
In the search, choose the PDP Plus network.
DENTAL OPTION 2
Freedom Plan
See any dentist. The plan pays the same percentage in or out of network — a good fit if your dentist is not in the network.
100% preventive, 80% basic, 50% major. Out of network, the plan pays up to the 90th percentile of local charges.
$50 deductible (basic and major only) · $1,500 per person each year.
MONTHLY RATES
Retiree Only
$53.90
Retiree + 1 Dependent
$107.81
Family
$181.93
In the search, choose the PDP Plus network.
VISION
Vision Plan
Go to any licensed eye doctor — your benefit goes further with a VSP Choice network provider.
• Eye exam with dilation: $10 copay, every 12 months
• Lenses: covered after a $25 copay, every 12 months
• Frames: $130 allowance, every 24 months ($70 at Costco)
• Contacts instead of glasses: $130 allowance
MONTHLY RATES
Retiree Only
$8.00
Retiree + 1 Dependent
$16.00
Family
$23.00
The search shows VSP Choice eye doctors.
Rates are unchanged from 2026. Coverage is insured by Metropolitan Life Insurance Company (MetLife).
Good to Know
No dental ID card needed
Just tell your dentist you are enrolled in a MetLife dental plan. They can confirm your coverage by phone.
Your family can choose their own dentists
You and each covered dependent can see any dentist you like.
Get a cost estimate first
For work over $300, ask your dentist for a pre-treatment estimate from MetLife so you know your share before treatment.
Major work limits
Crowns: once per tooth every 10 years. Bridges and dentures: once every 10 years. Implants are covered as major care.
Joining dental late?
If you did not enroll when first eligible, waiting periods apply: preventive care right away, fillings after 6 months, other basic care after 12 months, major care after 24 months.
Life changes mid-year
Marriage, a new child, or losing a spouse’s dental coverage? Contact us within 31 days to make a change, effective the first of the next month.
Vision extras
20% off additional pairs of glasses and sunglasses, 15–20% off LASIK at participating locations, and contact lens fittings capped at a $60 copay.
A tax break for retired officers
Because premiums come out of your pension, they count toward the $3,000 yearly HELPS exclusion. Ask your tax preparer how it applies to you.
The Milwaukee Retired Fire & Police Association
Voluntary Retiree Dental & Vision · 2027 Plan Year
Questions? Call 414-220-9900
Administered by Haymarket Specialty Benefits