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Retiree Health Care FAQs

Deductibles 

A deductible is a set dollar amount that enrollees must pay out-of-pocket toward certain health care services before insurance starts to pay.
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
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
You have a choice between the BCBS Community Blue Plan and BCN for you and any family members you enroll.
Access to MSU Health Plan Coverage for Spouse or Other Eligible Individual
  • Complete a Health Plan Affidavit
  • If the spouse/OEI is eligible to purchase single health plan coverage for $1,200 or less, the spouse/OEI MUST enroll in their employer’s health coverage.
  • Complete a Health Plan Affidavit
  • If the cost for purchasing single health plan coverage to the spouse/OEI is more than $1,200, the spouse/OEI does NOT have to enroll in their employer’s health coverage.
During the next available open enrollment period for their employer's health plan.
CVS Caremark Prescription Drug Plan
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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