U-M Retiree Health Plans

Retiree/Survivor Health Plans

Health plan options for benefit-eligible retirees and survivors are determined by the eligibility and enrollment in Medicare for everyone enrolled in your university health plan.

View the Medicare-Enrolled Retirees, Survivors and LTD Participants web page for more details.

Coverage Level

As an eligible U-M retiree, you can choose coverage at the following levels in a U-M health plan (depending on Medicare status).

  • 1 Person Regular
  • 1 Person Regular and Children
  • 1 Person with Medicare
  • 2 People Regular
  • 2 People Regular and Children
  • 2 People – 1 Regular, 1 with Medicare
  • 2 People with Medicare
  • 3 or More People with Medicare
  • 3 or More People – at least 1 Regular and 1 with Medicare

“Regular” refers to retirees or their dependents who are not eligible for Medicare.

“Children” refers to retirees' covered dependent children younger than age 26, who are not eligible for Medicare.

Retiree Health Plan Rates

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

There are three ways to get an idea of what your rates may be when you retire:

  • View your individual 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. 
    • Click the Display Benefit Plan Rates tile.
  • Review the charts below.
  • Review the charts printed in your retiree Open Enrollment book that is mailed to your home address on file, annually, at the end of September.

Supported browsers are Google Chrome, Internet Explorer, Firefox and Safari. If you need help with logging in to Wolverine Access, general computing, system access, or campus computing site support, contact the ITS Service Center by calling 734-764-HELP (764-4357), Monday-Friday 7 a.m.- 6 p.m.