U-M Retiree Health Plans

U-M retirees can choose from any of the following health plans, which differ in cost, the benefit levels they provide, and the providers available.  All plans coordinate with Medicare.     

Learn more about retirement and your benefits as a U-M retiree

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 Child(ren)
  • 1 Person with Medicare
  • 2 People Regular
  • 2 People Regular and Child(ren)
  • 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.

“Child(ren)” refers to retiree’s covered dependent child(ren) under age 26, who are not eligible for Medicare.

Retiree Health Plan Rates

The amount that retirees pay and that the university pays towards retiree health benefits varies based on hire date, age, retirement date, eligibility for Medicare, coverage level, and health plan.  You can view your individual monthly rates online through Wolverine Access (a uniqname and UMICH password are required).

View Your Rates on Wolverine Access

If you are a current retiree, view your retiree benefits plan rates online:

  1. Go to Wolverine Access.
  2. Select Faculty & Staff > Employee Self-Service.
  3. Login using your uniqname and UMICH password.
  4. Under Benefits on the Self-Service page, select Display Benefits Plan Rates.  Your 2020 rates will be displayed at the top; scroll down to view your 2021 rates.

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.

Rate Charts by Hire and Retirement Date

Refer to the retiree health plan rate chart guide to help you determine which chart applies to your situation based on your date of service, age, and date of retirement. The rate charts below are effective January 1 - December 31, 2020.

View your 2021 retiree health plan rates (your 2021 health plan rates if you are currently retired, or if you will retire by December 31, 2020). See also retiree health plan rates if you retire on or after January 1, 2021.

 2020 Rate Charts Guide
Click to enlarge.

Retiree Health Plan Rate Chart Decision Tree

Or, view the rate charts.

2020 Health Plan Rates

Retire On or After January 1, 2021

The university contribution toward retiree health benefits for faculty and staff retiring on or after January 1, 2021 will be based on years of service at retirement. The service requirement is in addition to the points system used to determine your eligibility to retire. For example, faculty and staff will need 80 points to be eligible to retire by 2021 and will need 20 or more years of eligible service in order to  receive the maximum university contribution toward the cost of retiree health coverage. The university contribution rate toward your retiree health benefits will also depend on your date of service with the university: prior to January 1, 2013, or on or after January 1, 2013. In addition, retirees with a date of service on or after July 1, 1988 pay the full cost of all benefits plans through and including the month in which they turn age 62. 

View the university contribution for retiree health benefits that will apply to you if you retire on or after January 1, 2021, based on your date of service:

Visit Retirement Eligibility for more information.

Understanding these changes will help you make the best decision about when to retire and how to budget for health care.

If you are eligible and thinking of retiring before 2021 due to the change in health care contributions, carefully weigh any financial trade-offs involved. View the 2021 health plan rates if you retire on or after January 1, 2021.

As a courtesy reminder, the University of Michigan Benefits Office sent communications to faculty and staff who may be eligible to retire. Review the letter sent to eligible employees.