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Humana Health Care Plans with Prescription Drug Coverage

Effective Jan. 1, 2021, MSU has partnered with Humana to provide a new retiree health care plan with prescription drug coverage. With the rising cost of health care and prescription drug coverage, it is imperative the University continues to explore strategic initiatives to provide MSU retirees with high-quality benefits at an affordable cost. After careful analysis with our health care consultants, MSU decided to make this change from providing plans through Blue Cross Blue Shield of Michigan (BCBSM) to Humana, a company with over 30 years of experience in health care, prescription and Medicare coverage.

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Upcoming Humana Webinars

Join one of the upcoming Humana Webinars and learn what your plan can do for you. To join, simply click on your preferred webinar date and time, and follow the instructions on the page.

MSU Medicare

MSU Non-Medicare

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 now offers the Cigna Global Health plan for individuals living abroad. Learn more here.

The Humana Group Medicare Advantage PPO Plan

Visit the Humana website for plan information.

The Humana Group Medicare Advantage PPO Plan contains medical and prescription drug coverage. This plan has replaced MSU’s BCBSM supplemental Medicare plans and CVS/Caremark prescription plan currently in place.

The plan covers all preventive services at 100 percent. Selected services are covered at 96%-100% after the required annual deductible of $192 per member; 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 is $1,200 per member per calendar year (excludes Part D Pharmacy, Extra Services and the Plan Premium).

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 Humana Group Medicare Advantage PPO Plan
# Drug Tier 30-Day Supply Co-Pays at Retail 90-Day Supply Co-Pays at Retail 90-Day Supply at Mail Order or MSU Pharmacy
1. Generic Medications $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/A N/A**
Annual Out-of-Pocket Co-Pay Maximum
Individual: $1000    


*Some generics may be on higher tiers.

**Specialty medications limited to 30-day supply.

  • If you or your dependents are eligible for Medicare and were enrolled in an MSU plan for the 2020 plan year, you were automatically enrolled in the Humana Group Medicare Advantage PPO Plan unless you opted-out during MSU's Open Enrollment in October.
  • If you or your dependents are eligible for Medicare but were not enrolled in an MSU Medicare supplemental plan for the 2020 plan year, you had the option to enroll in the new Humana Group Medicare Advantage PPO Plan during Open Enrollment in October. If you did not enroll, you are not covered by an MSU plan for the 2021 plan year and will have to wait until the next Open Enrollment period to enroll.
  • 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.

The Humana MSU Non-Medicare PPO Plan

Visit the Humana website for plan information.

The Humana MSU Non-Medicare PPO Plan contains medical and prescription drug coverage that is comparable to MSU’s BCBSM Non-Medicare plans and CVS/Caremark prescription plan currently in place.

The plan covers in-network preventive services at 100 percent. The majority of the in-network diagnostic services are covered at 100% of the approved amount after either the required copayment or annual deductible of $100 for single and $200 for family. Selected in-network services are covered at 50%-90% of the approved amount after the required in-network annual deductible of $100 for single and $200 for family; 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, which consists of applicable deductible and coinsurance, is $3000 for single and $6000 for family per calendar year.

The plan also covers out-of-network services. The majority of out-of-network preventive and diagnostic services are covered at 80% of the approved amount after the required out-of-network annual deductible of $500 for single and $1000 for family. Selected 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 coinsurance. The annual out-of-network out-of-pocket maximum, which consists of applicable coinsurance only, is $3000 for single and $6000 for family per calendar year.

  • If you or your dependents are not eligible for Medicare and were enrolled in an MSU plan for the 2020 plan year, you were automatically enrolled in the Humana MSU Non-Medicare PPO Plan unless you opted-out during MSU's Open Enrollment in October.
  • If you or your dependents are not eligible for Medicare but were not enrolled in an MSU plan for the 2020 plan year, you had the option to enroll in the new Humana MSU Non-Medicare PPO Plan during MSU's Open Enrollment in October. If you did not enroll, you are not covered by an MSU plan for the 2021 plan year and will have to wait until the next Open Enrollment period to enroll.
  • You will have access to Humana’s large network of physicians.
  • You are not required to have a referral to see any provider.

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 Humana MSU Non-Medicare PPO Plan
# Drug Tier 30-Day Supply Co-Pays at Retail 90-Day Supply Co-Pays at Retail 90-Day Supply at Mail Order or MSU Pharmacy
1. Generic Medications $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/A* N/A*
Annual Out-of-Pocket Co-Pay Maximum
Individual: $1000 Family: $2000  


*Specialty medications limited to 30-day supply.

Additional Information and Resources

Health Plan Summary Comparison

Review a health plan summary comparison between MSU's previous Blue Cross Blue Shield of Michigan Traditional Plan and Blue Care Network Plan and the new Humana Group Medicare Advantage PPO Plan and Humana MSU Non-Medicare PPO Plan.

Health Plan Comparison

Enrollment Materials

In addition, eligible participants received an Enrollment Kit from Humana with further details and instructions.

Frequently Asked Questions

View a list of frequently asked questions here.

Contact Information

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

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