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.

¹Some generics may be on higher tiers.
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.