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Retiree Health Care FAQs

The following reflect some of the more commonly asked questions regarding MSU Retiree Health Care Programs by category. We hope this quick reference is helpful. To get answers to other questions, please contact MSU Human Resources at (517) 353-4434, toll-free at (800) 353-4434 ext. 0 or via email at SolutionsCenter@hr.msu.edu.

Deductibles

  Retiree Contributions

Coverage Options

Access to MSU Health Plan Coverage for Spouse or Other Eligible Individual

CVS Caremark Prescription Drug Plan


Deductibles

What is a deductible?
A deductible is a set dollar amount that enrollees must pay out-of-pocket toward certain health care services before insurance starts to pay.

What is the dollar amount of the deductible for the MSU health plans?  
The BCN in-network deductible for the calendar year (January through December) is $100 per individual or $200 per family. The BCN out-of-network deductible is $500 per individual or $1,000 per family. These deductibles apply to all BCN enrollees.

The Community Blue PPO plan does not have an in-network deductible requirement for support staff retirees. The faculty and academic staff retirees in-network deductible for the calendar year (January to December) is $100 per individual or $200 per family. The Community Blue PPO out-of-network deductible is $250 per individual or $500 per family. The out-of-network deductible applies to all Community Blue enrollees.

The Transition and Traditional plans do not have a deductible for basic coverage. For comprehensive major medical services the deductible for the calendar year (January to December) is $200 per individual or $400 for family.

Retiree Contributions

Will I have to contribute toward the cost of the health plan I choose?
Currently, MSU's contribution toward retiree health plan coverage will pay the full cost of the lowest cost health plan (and a prorated amount for those eligible for part-time contributions). The lowest cost health plan, depending on your eligibility, is either BCBS Traditional, BCBS Transition or BCN. If you are enrolled in Community Blue, the higher cost plan, you will contribute the premium cost difference between Community Blue and either BCBS Traditional, BCBS Transition or BCN. For more information about MSU contributions toward retiree health plan coverage go to Effect of Retirement on Benefits.


Coverage Options

I am an MSU retiree with Medicare and all of my enrolled family members also have Medicare. What health coverage options can I choose from?
You have a choice between the Blue Cross Blue Shield Traditional Plan and BCN.

I am an MSU retiree and all members of my family (including me) are not enrolled in Medicare. What health coverage options can I choose from?
You have a choice between the BCBS Community Blue Plan and BCN for you and any family members you enroll.

I am an MSU retiree and the members of my family are a mix of Medicare and non-Medicare enrollees. What health coverage options can I choose from?
You have a choice between the BCBS Transition Plan and BCN.


Access to MSU Health Plan Coverage for Spouse or Other Eligible Individual

My spouse or Other Eligible Individual (OEI), who works for another employer or is retired, is eligible to purchase single health plan coverage for a premium contribution of $850 or less per year from that employer. What do I need to do?

  • Complete a Health Plan Affidavit
  • If the spouse/OEI is eligible to purchase single health plan coverage for $850 or less, the spouse/OEI MUST enroll in their employer’s health coverage.

My spouse or Other Eligible Individual, who works for another employer or is retired, is eligible to purchase single health plan coverage for a premium contribution of more than $850 per year from that employer. What do I need to do?

  • Complete a Health Plan Affidavit
  • If the cost for purchasing single health plan coverage to the spouse/OEI is more than $850, the spouse/OEI does NOT have to enroll in their employer’s health coverage.

My spouse or Other Eligible Individual does not have access to other health plan coverage. Do I still need to complete the Health Plan Affidavit for Spouse or Other Eligible Individual?

  • Complete a Health Plan Affidavit

When does my spouse or Other Eligible Individual need to enroll in their employer's health plan?
During the next available open enrollment period for their employer's health plan.


CVS Caremark Prescription Drug Plan

Do I need to enroll in the CVS Caremark prescription drug plan if I change health plans?
No, if you are enrolled in any of the MSU health plans, you'll automatically be covered by the CVS Caremark prescription drug plan.

 

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