The University of Michigan offers comprehensive medical coverage designed to support the physical and mental well-being of our diverse community, including faculty, staff, retirees, and their dependents. These plans provide access to a wide network of providers and specialized services to ensure you have the support you need.
The health plan options available are based on your relationship with the university and Medicare enrollment status.
- Active Employees and Pre-Medicare Retirees, Survivors and LTD Participants
- Benefit-Eligible Graduate Students
- Medicare-Enrolled Retirees, Survivors and LTD Participants
Choosing the right plan is a significant decision. Use the Additional Health Plan Resources web page to find the best fit for your health needs and budget.
Choose Carefully
Use the available resources to review your choices and choose your health plan carefully. After you enroll in a U-M health plan, your coverage continues through the end of the calendar year or until you are no longer eligible. Your ability to change plans mid-year is very limited.
Generally, once you enroll in a U-M health plan, there are only three times when you can change to a different health plan:
- During the annual open enrollment period, usually in October, with changes effective Jan. 1 of the following year
- When you experience a life event or qualified family status change
- When you are enrolled in a managed care plan and move out of the service area
Getting Started: Four Steps to Coverage
1. Check your eligibility: Review the Benefits Enrollment and Eligibility guidelines.
2. Compare your options to narrow your choices using helpful tools:
- Active Employees and Pre-Medicare Retirees, Survivors and LTD Participants
- Benefit-Eligible Graduate Students
- Medicare-Enrolled Retirees, Survivors and LTD Participants
- Medicare Health Plan Profiles
- Medicare Health Plan Coverage Comparison Chart
- Retiree Health Plan Rate Charts
3. Verify provider participation: Use the Find a Participating Provider web page to ensure your preferred doctors are in-network.
4. Enroll or make changes: Enroll using Wolverine Access, and visit the Enrolling in and Changing Your Health Coverage web page for more information.