Welcome to the Retirement Medical Benefits Account Plan!
The State has established this plan as a benefit to retired employees who are eligible for and have received a normal, unreduced, or disability retirement benefit. Since July 1, 2021, state of Indiana employees who are in the My Choice: Retirement Savings Plan are also included in the RMBA plan.
As a qualified retiree of the State, you are eligible to receive benefits from this plan. Depending on the conditions and limitations described in the plan, you will be reimbursed from your Reimbursement Account for Qualifying Expenses incurred by you and/or your Covered Dependents.
For more information about this plan, please review the information below.
Important Update
Upcoming Changes to the RMBA Plan: The Indiana General Assembly recently passed legislation regarding RMBA through SEA 14. The changes will not impact current retirees or survivors/beneficiaries.
Active State Employees eligible for the RMBA and hired before March 14, 2026, will be impacted by SEA 14.
For Active State Employees:
This legislation terminates the existing RMBA plan as of December 31, 2026. During the State’s Open Enrollment period, active state employees (excluding employees eligible for additional contributions, which will be auto-enrolled into the new 2027 RMBA plan) will be given the option to either transfer their entire existing balance to a newly created 2027 RMBA plan or receive a one-time non-matching employer contribution from the State into their Hoosier Start 401(a) account. The one-time contribution will be calculated based upon one’s continuous years of service and age during each respective year and should be the equivalent of one’s RMBA contribution balance, minus earnings.
INPRS is currently working to confirm specific benefit amounts for all impacted employees and will be communicating next steps in collaboration with INSPD prior to the open enrollment process in fall 2026.
For Retirees:
The changes outlined in SEA 14 will not impact retired participants or their survivors/beneficiaries.
Attention retirees: Key Benefit Administrators (KBA), INPRS’s claims administrator for the Retirement Medical Benefits Account, recently updated their online claims system to provide you with a better claims experience.
Please contact KBA directly at 800-558-5553 or FlexPro@KeyBenefit.com for questions related to your claims or individual account access. All other questions about RMBA administration, plan rules, and the administrative review process may be directed to INPRS at 844-464-6777.
During your first visit to the new website, follow the prompts to verify and set up your new account. If you need assistance at any time, KBA is ready to help you.
Use the following grid to see the potential impact for you.
| Employee Type | Open Enrollment Choice (Default): One-Time Credit from State to Hoosier START, RMBA Terminated | Open Enrollment Choice: Continue participation in RMBA and Receive Contributions | Not Eligible to Choose: Continue participation in RMBA and Receive Contributions | Not Eligible to Choose: Continue Participation in RMBA, Reimbursements Frozen | Not Eligible to Choose: Continue Participation in RMBA, Eligible for Reimbursements |
|---|---|---|---|---|---|
| Active employee hired before Mar. 14, 2026, eligible for RMBA (including Millie Morgan retirees, employees on short-term disability, FMLA, and military leave) | X | X | |||
| Active employee hired before Mar. 14, 2026, eligible for RMBA and eligible for additional contributions | X | ||||
| Retired participants actively re-employed with the State | X | ||||
| Retired participants eligible for RMBA reimbursements | X | ||||
| Survivors and beneficiaries of retired participants eligible for RMBA reimbursements | X |
Note: Active employees hired before Mar. 14, 2026, who are eligible for the RMBA, who are not eligible for additional contributions, that take the default option and are on long-term disability at the time of the one-time credit to the members’ Hoosier START account (in early 2027) may be impacted differently. Please contact your HR Director during Open Enrollment for assistance if you believe that this situation may be relevant to you.
For more information about your pension and navigating to find specifics