2023 Benefits Plan Rates

Each benefit plan has its own rate structure. On August 23, 2022, your individual monthly plan rates will be available on Wolverine Access by clicking the Display Benefits Plan Rates tile in Benefits Self-Service

View Your Rates in Wolverine Access

To view your 2023 benefits plan rates, go to Wolverine Access, click the Employee Self Service tile, click the Benefits tile, and then click the Benefits Display Benefit Plan Rates tile. Your 2023 rates will be displayed below your 2022 rates.

For technical help, for example help logging in to Wolverine Access, general computing, or system access, contact the ITS Service Center.

For questions about benefits and other Human Resources topics, contact the Shared Services Center.

Health Plan Rates

Health plan rates for faculty and staff vary depending on the plan and coverage level you select and your annual salary. Use the Health Plan Rate Estimator if you do not have a uniqname or if you want to see how an appointment or salary change might impact your monthly rates.

Retiree Health Plan Rates

The amount retirees pay and the amount the university pays toward retiree health benefits varies based on hire date, age, retirement date, years of service, eligibility for Medicare, coverage level, and the health plan selected.

You can view your individual 2023 monthly rates online through Wolverine Access (a uniqname and UMICH password are required). Enter Benefits in the search bar, click the Benefits Self-Service tile, and then click the Display Benefit Plan Rates tile. The 2023 rates will be displayed below the 2022 rates. Alternatively, you may review the charts below and the charts printed in your retiree Open Enrollment book that will be mailed to your home address on file at the end of September.

The following rates are effective January 1, 2023 - December 31, 2023.

2023 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

  • If you retired before January 1, 1987, refer to Chart A
  • If you are retired and your date of service is on or after July 1, 1988, and you are under age 62, refer to chart B.
  • If your service date is before July 1, 1988 and you are any age, or if your service date is on or after July 1, 1988 and you are age 62 or older, refer to the rate chart based on when you retired:
    • If you retired on or after January 1, 1987 and before January 1, 2000, refer to chart C.
    • If you retired on or after January 1, 2000 and before January 1, 2013, refer to chart D.
    • If you retired on or after January 1, 2013 and before January 1, 2015, refer to chart E
    • If you retired on or after January 1, 2015 and before January 1, 2017, refer to chart F
    • If you retired on or after January 1, 2017 and before January 1, 2019, refer to chart G
    • If you retired on or after January 1, 2019, refer to chart H

Retired on or after January 1, 2021: 2023 Retiree Health Plan Rate Charts by Years of Service

  • More than 10 years of service but less than 12 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart I.
  • More than 12 years of service but less than 14 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart J
  • More than 14 years of service but less than 16 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart K
  • More than 16 years of service but less than 18 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart L.
  • More than 18 years of service but less than 20 years of service and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart M
  • 20 years of service or more and either your date of service is before July 1, 1988 and you are any age, or your date of service is on or after July 1, 1988 and you are age 62 or older, refer to chart N
  • If you retire on or after January 1, 2023 with more than 10 years of service but less than 12 years of service and your date of service is on or after January 1, 2013 and you are age 62 or older, refer to chart O

Retired before January 1, 2021: 2022 Retiree Health Plan Rate Charts by Date of Service and Retirement Date

Retired on or after January 1, 2021: 2022 Retiree Health Plan Rate Charts by Years of Service

If your service date is before January 1, 2013, you are age 62 or over, and you retired on or after January 1, 2021, the university contribution for retiree health benefits is based on your years of service at retirement.

Dental Plan Rates

For the following groups, you do not pay anything when you and your eligible dependents enroll in Option 1. The university pays the full cost. The university shares a portion of the cost if you enroll in Option 2 or Option 3.

  • Faculty and staff members
  • Retirees who retired before January 1, 1987
  • Retirees who were hired before July 1, 1988 and are any age
  • Retirees hired on or after July 1, 1988 and are age 62 and older
  • GEO members
  • GSRAs
  • Benefits-eligible fellowship holders
Dental Plan Rates
Dental Plan Option Coverage Level 2022 Monthly Rate 2023 Monthly Rate 2022 University Monthly Contribution  2023 University Monthly Contribution
Option 1 You Only $0 $0 $21.34 $22.12
Option 1 You and Child $0 $0 $42.68 $44.24
Option 1 You and Adult $0 $0 $42.68 $44.24
Option 1 You and Adult and Children $0 $0 $68.08 $70.58
Option 1 You and Children $0 $0 $68.08 $70.58
Option 2 You Only $14.26 $14.01 $21.34 $22.12
Option 2 You and Child $28.52 $28.04 $42.68 $44.24
Option 2 You and Adult $28.52 $28.04 $42.68 $44.24
Option 2 You and Adult and Children $42.64 $41.82 $68.08 $70.58
Option 2 You and Children $42.64 $41.82 $68.08 $70.58
Option 3 You Only $20.96 $20.62 $21.34 $22.12
Option 3 You and Child $41.92 $41.24 $42.68 $44.24
Option 3 You and Adult $41.92 $41.24 $42.68 $44.24
Option 3 You and Adult and Children $63.48 $62.36 $68.08 $70.58
Option 3 You and Children $63.48 $62.36 $68.08 $70.58

No University Contribution for Dental Coverage

The following groups have access to dental coverage but pay the full cost. There is no university contribution.

  • Medical School students
  • Leave of Absence
  • Reduction in Force
  • Retirees hired on or after July 1, 1988 who are under age 62 pay the full cost of benefits until they reach age 62.
Dental Plan Rates with No University Contribution
Dental Plan Option Coverage Level 2022 Monthly Rate 2023 Monthly Rate
Option 1 You Only $21.34 $22.12
Option 1 You and Child $42.68 $44.24
Option 1 You and Adult $42.68 $44.24
Option 1 You and Adult and Children $68.08 $70.58
Option 1 You and Children $68.08 $70.58
Option 2 You Only $35.60 $36.14
Option 2 You and Child $71.20 $72.28
Option 2 You and Adult $71.20 $72.28
Option 2 You and Adult and Children $110.72 $112.49
Option 2 You and Children $110.72 $112.40
Option 3 You Only $42.30 $42.74
Option 3 You and Child $84.60 $85.48
Option 3 You and Adult $84.60 $85.48
Option 3 You and Adult and Children $131.56 $132.94
Option 3 You and Children $131.56 $132.94

COBRA Dental Plan Rates

COBRA participants pay the full cost for dental coverage plus a 2 percent administration fee. 

Monthly COBRA Rates for Dental Plan
Dental Plan Option Coverage Level 2022 Total COBRA Premium 2023 Total COBRA Premium
Option 1 You Only $21.77 $22.56
Option 1 You and Adult $43.53 $45.12
Option 1 You and Adult and Children $69.44 $71.99
Option 1 You and Child $43.54 $45.12
Option 1 You and Children $69.44 $71.99
Option 2 You Only $36.31 $36.86
Option 2 You and Adult $72.62 $73.73
Option 2 You and Adult and Children $112.93 $114.65
Option 2 You and Child $72.62 $73.73
Option 2 You and Children $112.93 $114.65
Option 3 You Only $43.15 $43.59
Option 3 You and Adult $86.29 $87.19
Option 3 You and Adult and Children $134.19 $135.60
Option 3 You and Child $86.29 $87.19
Option 3 You and Children $134.19 $136.60

Vision Plan Rates

2022 and 2023 monthly rates:

  • $7.71 for you only ($7.86 for COBRA)
  • $12.04 for you plus one dependent ($12.28 for COBRA)
  • $20.90 for you plus two or more dependents ($21.32 for COBRA)

Legal Plan Rates

2022 and 2023 monthly rates:

  • $8.34 for you only
  • $13.34 for you plus one or more dependents