For Retirees


Wondering which plan is right for you? Start NowWondering which plan is right for you? Start Now

RTIP Gold 750

  • $750 prescription drug coverage 80% reimbursement
  • vision care $300/person every 2 years 100% reimbursement
  • Monthly premium:
    Single: $84.60
    Couple: $161.22
    Family: $193.91

RTIP Gold 2500

  • $2,500 prescription drug coverage; 80% reimbursement
  • vision care $300/person every 2 years; 100% reimbursement
  • unlimited semi-private hospital accommodation; 80% coinsurance
  • Monthly premium:
    Single: $115.59
    Couple: $220.99
    Family: $267.89

RTIP Plus 4000

  • $4,000 prescription drug coverage; 85% reimbursement
  • vision care $375/person every 2 years; 80% reimbursement
  • unlimited semi-private hospital accommodation; 100% coinsurance
  • Monthly premium:
    Single: $139.93
    Couple: $275.16
    Family: $326.64


Apply for a plan online!

To find out which plan is right for you, please call 1-800-267-6847, Monday to Friday, 8 a.m. to 5 p.m.

Already an RTIP member? If you have questions about your coverage and/or claims, please call the RTIP Contact Centre at 1-833-318-2811, Monday to Friday, 8:30 a.m. to 8:30 p.m. (ET).

Why Choose RTIP?


Value-added benefits
All RTIP health plans include access to Carepath Digital Health Cancer Care and Elder Care programs, FeelingBetterNow®, ALAViDA, Starling Minds, and the Edvantage savings program.


Comprehensive travel insurance always included
Every RTIP health plan provides coverage for trips up to 100 consecutive days per trip. LEARN MORE.


Fast, easy claims processing
Submit your claims online and your reimbursement will be deposited directly into your bank account.


  • No age restrictions and no membership fees.
  • Three health care plans to choose from, with three different prescription drug maximums.
  • Paramedical services – 80% reimbursement of eligible charges up to a combined maximum of $1,350 per person per calendar year.
  • Freedom to increase or decrease your coverage at your next renewal.*
  • Option to add dental coverage at any time, without penalty.
  • Exclusive home and auto insurance discounts from OTIP, including the Retiree Extra Package, providing additional coverage and benefits for the retired education community.

* You may increase only one level at a time and decrease two levels at a time. Once you decrease your health coverage, you must wait two years before you are able to increase your coverage again.

Who is eligible?

  • All retired Ontario education employees, their families and survivors
  • No age restriction
  • No membership fees
  • You must reside in Ontario and be covered under OHIP at time of application

What retirement stage are you at? Please select one to view your plan eligibility.

You have set your retirement date
You have retired within the last 60 days
You are already retired and want to switch from a different group plan ending within 60 days
You have not been covered by a group plan in the last 60 days
You are still working or are semi-retired

Have a dependant?
Members’ unmarried, unemployed children under the age of 21 (under 31 if attending school full-time) are eligible for dependant coverage under an RTIP plan. There is no age limit for unmarried, dependant children who are incapable of self-sustaining support due to mental or physical disability that occurred prior to age 21. Keep in mind that any two family members can qualify for couple coverage.

Cancelling your plan
If you decide to cancel your coverage after 12 months, you must wait 24 months before you can apply for RTIP coverage again.

  Other Useful Information

Active Retired Members

OTIP partners with the ARM (Active Retired Members) Organization of the Ontario Secondary Schools Teachers’ Federation (OSSTF).

RTIP Health Plans Guide

Compare detailed plan benefits and premiums.

Competitor Plan Comparison 

See the difference! Compare RTIP's health and dental plans.

Paramedical Services

Outline of reasonable and customary limits for paramedical services.

Need help?
How can we help?
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My benefits booklet My home/auto policy More questions?
Send an email for all other inquiries