Fraternal Order of Police — Chicago John Dineen Lodge 7
Voluntary Retiree Benefits · Dental, Vision & Medicare
Administered by
Haymarket Specialty Benefits
RETIRED MEMBERS & SURVIVING SPOUSES
Your Voluntary Retiree Benefits Available To You,
All in One Place
2027 Plan Year · Dental & Vision · Medicare
FOP Chicago John Dineen Lodge 7 is proud to continue offering voluntary dental, vision, and Medicare benefits to our retired members and their surviving spouses. Your pension is one of the best earned anywhere, and these plans help round out the coverage you need in retirement.
This voluntary group dental and vision program is offered only to FOP Lodge 7 retirees and surviving spouses, and is not available on the individual market. FOP Lodge 7 works with the Policemen’s Annuity & Benefit Fund (PABF) so your premiums are deducted automatically from your monthly pension payment — and your dental and vision premiums count toward the $3,000 annual “HELPS” maximum for qualified benefit payments.
Below you’ll find your plans, your 2027 monthly rates, plan documents, and who to call for help.
Eligible: retired members of Fraternal Order of Police — Chicago John Dineen Lodge 7 and surviving spouses, and their dependent children up to age 26.
WHAT’S NEW & IMPORTANT INFORMATION
Dental ID cards were sent out for 2027. Your dental and vision plans moved to The Equitable on January 1, 2027 — same plans, same rates. Need to replace your card? Text #myid to 32360.
If you are a new enrollee, your dental ID card will be mailed before your coverage begins.
When can I enroll? With no waiting period during Annual Open Enrollment, or within 60 days of a life event that causes you to lose other coverage, aging into Medicare, or losing coverage through the City of Chicago. Rates for 2027 are the same as 2026 and are guaranteed through December 31, 2028.
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 your dental or vision plan or finding a provider
• Update your address or report the death of a member
• Get help with a claim or a coverage issue
Hours: Monday – Friday, 8:00 a.m. – 4:00 p.m. Central Time
ENROLL ONLINE — DENTAL & VISION
Start Your Enrollment1. Click Start Your Enrollment. A short request form opens — your name, phone, email, and whether you are a retiree or surviving spouse, 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 coverage tier, then sign. Have your dependents’ dates of birth and Social Security numbers ready for that step.
One application covers dental, vision, or both. Premiums are deducted from your monthly pension payment.
Medicare enrollment is handled separately by RetireeFirst — see the Medicare section below.
Your Plans & 2027 Monthly Rates
DENTAL
Dental High Plan
The richer dental option — same plan design as before, now insured by The Equitable.
• Cleanings, exams & X-rays: paid 100%
• Fillings, extractions, root canals & gum care: 80%
• Crowns, bridges, dentures & implants: 60%
• $100 deductible (waived for cleanings and exams)
• Yearly maximum: $2,000 in network, $1,500 out of network
• Same percentages in or out of network
• No orthodontia
MONTHLY RATES
Retiree Only
$55.55
Retiree + 1
$107.71
Family
$164.38
Use any dentist — you save the most with an Equitable Dental Network dentist.
DENTAL
Dental Low Plan
The value dental option — same plan design as before, now insured by The Equitable.
• Cleanings, exams & X-rays: paid 100% in network (80% out)
• Fillings, extractions, root canals & gum care: 60% (50% out)
• Crowns, bridges, dentures & implants: 60% (50% out)
• Deductible: $100 in network, $200 out of network (waived for cleanings and exams)
• Yearly maximum: $1,750 in network, $1,500 out of network
• No orthodontia
MONTHLY RATES
Retiree Only
$43.08
Retiree + 1
$82.75
Family
$128.11
Use any dentist — you save the most with an Equitable Dental Network dentist.
VISION
Vision Plan
Eye exams, glasses, and contacts through the VSP network, insured by The Equitable.
• Eye exam every 12 months: $5 copay
• Lenses every 12 months: covered after a $5 glasses copay
• Frames every 24 months: $130 allowance ($70 at Costco)
• Contacts instead of glasses: $130 allowance every 12 months
• Out of network: paid up to set dollar allowances
MONTHLY RATES
Retiree Only
$5.18
Retiree + 1
$10.11
Family
$15.16
Shows VSP eye doctors — including Costco, Walmart and Visionworks.
Rates are unchanged from 2026 and guaranteed through December 31, 2028. Your spouse and dependents are covered under the tier you choose. Coverage is insured by The Equitable.
Highlights only — see each Plan Summary for full details, limits and exclusions.
ALREADY ENROLLED IN DENTAL OR VISION?
Get your ID card on your phone
• Text #myid to 32360 to get your dental ID card right away
• No vision ID card is needed — your VSP eye doctor can look up your coverage
• Or log in to the Equitable EB360 member site to see your coverage and claims
MEDICARE OPTIONS
Aetna Medicare Advantage with Prescription Drug Coverage
For retirees and spouses enrolled in Medicare. Your plan is insured by Aetna and administered by RetireeFirst, your Medicare advocate. Call RetireeFirst for a replacement ID card, questions about your drug list, mail-order prescriptions, pharmacy problems, or enrolling when you turn 65.
Two plan options are available, and both include medical and prescription drug coverage.
Plan Option 1
Medicare Advantage with prescription drug coverage
2027 MONTHLY RATE
Per person
$339.70
INSURED BY
Plan Option 2
Medicare Advantage with prescription drug coverage
2027 MONTHLY RATE
Per person
$265.70
INSURED BY
FOP LODGE 7 MEDICARE LINE
Toll-free (855) 979-8840 · TTY 711
Monday – Friday, 8:00 a.m. – 5:00 p.m. Central Time
How you pay: MA + Rx premiums are deducted from the primary member’s monthly pension check.
Not enrolled in Medicare coverage? RetireeFirst handles Medicare enrollment. Call (312) 248-7251 to join. There is no waiting period during Annual Open Enrollment or within 60 days of aging into Medicare, a life event that causes you to lose other coverage, or losing City of Chicago coverage.
Medicare Plan Documents
Provided by RetireeFirst. These are the 2026 documents — the 2027 versions will be posted here as soon as they are available.
Good to Know
Same plans, new carrier
On January 1, 2027, your dental and vision plans moved from Aetna to The Equitable. Your plan designs, benefits, and monthly deductions stayed the same.
Vision is now VSP
Your vision network moved from EyeMed to VSP. Use Check Your Eye Doctor above to see if your eye doctor is in the VSP network.
Need your ID card?
Text #myid to 32360 to get your dental and vision ID card on your phone.
Rates locked through 2028
Your 2027 dental and vision rates are the same as 2026 and are guaranteed through December 31, 2028.
Don’t miss the 60-day window
After a life event, losing City of Chicago coverage, or aging into Medicare, you have 60 days to enroll with no waiting period.
Two separate helplines
Dental and vision: Haymarket Specialty Benefits, (844) 466-0883. Medicare: RetireeFirst, (312) 248-7251.
Who do I call?
Fraternal Order of Police — Chicago John Dineen Lodge 7
Voluntary Retiree Benefits · 2027 Plan Year
Dental & vision questions? Call (844) 466-0883
Medicare: RetireeFirst (312) 248-7251
Administered by Haymarket Specialty Benefits