Humana Health Care Plans with

Prescription Drug Coverage

MSU has partnered with Humana to provide retiree health care plans with prescription drug coverage.

Who is Eligible

The following populations are eligible for the Humana plans:

• MSU retirees eligible for Medicare (age 65+)
• MSU retirees not yet eligible for Medicare (age 64 and under)
• MSU retiree dependents eligible for Medicare
• MSU retiree dependents not yet eligible for Medicare
• 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 active employees with End Stage Renal Disease (ESRD) who have been enrolled in Medicare for longer than 30 months

Important Note: Retirees with an international permanent or mailing address are not eligible for the Humana plans; however, MSU offers the Cigna Global Health plan for individuals living abroad. Learn more here.

The MSU Medicare Advantage Plan

The MSU Medicare Advantage Plan includes medical and prescription drug coverage.

Visit the Humana website for plan information.

Medical 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 large 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.

¹Some generics may be on higher tiers.
²Specialty medications limited to a 30-day supply.

The MSU Non-Medicare Plan

Visit the Humana/Personify Health website for plan information.

Medical Coverage:

This plan is administered by Personify Health and utilizes the Aetna provider network for health care and CVS Caremark for prescriptions.  The plan covers in-network preventative services at 100%. The majority of the in-network diagnostic services are covered at 100% of the approved amount after either the required co-pay or annual deductible of $100 for single and $200 for family for the 2025 Plan Year. Select in-network services are covered at 50%-90% of the approved amount after the required in-network annual deductible, however, not all services are subject to the deductible. Participants should refer to the type of service for benefit details. The annual out-of-pocket maximum for the 2025 Plan Year, which consists of applicable deductible and co-insurance, is $3,000 for single and $6,000 for family, per calendar year.

The plan also covers out-of-network services. Preventive and diagnostic services are covered at 90% of the approved amount after the required out-of-network annual deductible of $500 for single and $1,000 for family for the 2025 Plan Year. Select out-of-network services are covered at 50% of the approved amount after the required out-of-network annual deductible. Participants should refer to the type of service for benefit details. Participants may be responsible for the amount that exceeds the approved amount in addition to their deductible or co-insurance. The annual out-of-network out-of-pocket maximum for the 2025 Plan Year, which consists of applicable co-insurance only, is $3,000 for single and $6,000 for family, per calendar year, for medical services.

• You will have access to Aetna's large network of physicians.
• You are not required to have a referral to see any provider.

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 Non-Medicare 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 Medications3	$10	$30	$20
2.	Preferred Brand-Name Medications	$30	$90	$60
3.	Non-Preferred Brand-Name Medications	$60	$180	$120
4.	Specialty Drugs	$75	N/A4	N/A4
Annual Out-of-Pocket Co-Pay Maximum: $1,000 / Individual AND $2,000 / Family

³Some generics may be on higher tiers.
⁴Specialty medications limited to a 30-day supply.

Additional Information and Resources

Enrollment Materials

• 2025 MSU Retiree Open Enrollment Benefits Guide
• Watch the 2025 MSU Non-Medicare Plan Open Enrollment Presentation below or on YouTube.

In addition, eligible participants will receive an Enrollment Kit from Personify Health with further details and instructions.

Frequently Asked Questions (FAQs)

View a list of FAQs here.

Contact Information

If you have questions regarding eligibility and enrollment, contact the HR Solutions Center at 517-353-4434, 800-353-4434 or email SolutionsCenter@hr.msu.edu.
If you have questions about plan coverage, contact Humana and Personify Health at 800-273-2509.