As a retired University of Minnesota employee, you pay the full cost of your medical and dental benefits. However, because you are still included in the University's employee group contracts, the rates you pay are lower than what you would pay for a similar individual plan. The amount of your monthly rates will depend on the plan you choose.

Your medical plan options provide regular medical care and pharmacy benefits for the diagnosis and treatment of most illnesses and injuries. Plan formats range from plans with limited networks to open access and tiered network plans to high deductible health plans offering a wide range of providers, at different rates, deductibles, and copayments.

The medical plans cover in-network preventive care at no cost to you and provide emergency and urgent care on a worldwide basis, subject to modest copayments.

The medical plans cover out-of-network care at 70 percent coinsurance after a $500 per person/$1,000 per family deductible that is subject to an overall in- and out-of-network maximum.

The medical plans do not have a pre-existing condition clause. This means that you and your eligible dependents will have coverage for any medical condition, including pregnancy, as soon as your coverage becomes effective.

You may choose a medical plan that is available where you live or worked. For example, if you live in the Greater Minnesota zone but worked in the Duluth area zone, you can choose a plan in either zone.

Additional Medical Services

MEDEX
Free, worldwide emergency medical assistance and other travel assistance services when you are 150 or more miles away from home. You are automatically enrolled in the program when you enroll in any of the medical options.

Travel Benefit
When traveling or attending college outside of the service area, you may receive in-network benefits if the services were from a provider in the designated networks from Medica and HealthPartners.