MSU Medicare Advantage Plan (MAPD)
with Prescription Drug Coverage
Who is Eligible
| Eligible Population | Health Plan | Administered by | Network |
| MSU retirees eligible for Medicare (age 65+) | MSU Medicare Advantage Plan | Humana | Humana |
| MSU retirees not yet eligible for Medicare (age 64 and under) | MSU Non-Medicare Plan | Personify Health | Aetna |
| MSU retiree dependents eligible for Medicare | MSU Medicare Advantage Plan | Humana | Humana |
| MSU retiree dependents not yet eligible for Medicare | MSU Non-Medicare Plan | Personify Health | Aetna |
|
MSU employees not actively working due to workers' compensation, long-term disability or other reasons that are eligible for Medicare and their associated dependents |
MSU Medicare Advantage Plan | Humana | Humana |
| MSU active employees with End Stage Renal Disease (ESRD) who have been enrolled in Medicare for longer than 30 months | MSU Medicare Advantage Plan | Humana | Humana |
Important Note:
Retirees with an international permanent mailing address are not eligible for the MSU Medicare Advantage Plan.
Medical Coverage:
The MSU Medicare Advantage Plan is administered by Humana and utilizes the Humana provider network for both medical and prescription drug coverage.
The plan covers all preventative services at 100%. Select services are covered at 96%-100% after the required annual deductible. Not all services are subject to the $192, per member, deductible. Participants should refer to the type of service for benefit details. The annual out-of-pocket maximum for the 2025 plan year is $1,200 per member, per calendar year (excludes Part D Pharmacy, Extra Services and the Plan Premium).
- If enrolled, you can choose any provider who accepts Medicare and agrees to bill the plan but you may save money by using providers from Humana’s provider network.
- You are not required to have a referral to see any provider.
- You have access to wellness tools and resources to help you reach your personal health goals.
Prescription Drug Coverage:
Prescription drug coverage is included in this plan. The table below shows co-pay rates for various types of prescription drugs.
| Prescription Plan Co-Pays for the MSU Medicare Advantage Plan | |||||||
| # | Drug Tier | 30-Day Supply Co-Pay at Retail | 90-Day Supply Co-Pay at Retail | 90-Day Supply Co-Pay at Mail Order or MSU Pharmacy | |||
| 1. | Generic Medications1 | $10 | $20 | $20 | |||
| 2. | Preferred Brand-Name Medications | $30 | $60 | $60 | |||
| 3. | Non-Preferred Brand-Name Medications | $60 | $120 | $120 | |||
| 4. | Specialty Drugs | $75 | N/A2 | N/A2 | |||
| Annual Out-of-Pocket Co-Pay Maximum: $1,000 / member. | |||||||
2Specialty medications limited to a 30-day supply.
Additional Information and Resources
Visit the Humana website for plan information.
Enrollment Materials
2025 MSU Retiree Open Enrollment Benefits Guide
Frequently Asked Questions (FAQs)
View a list of FAQs here.
Contact Information
If you have questions regarding eligibility and enrollment, please contact the HR Solutions Center at 517-353-4434, 800-353-4434 or emailSolutionsCenter@hr.msu.edu.
If you have questions about plan coverage, please contact Humana at 800-273-2509, option #1.
