Retiree Health Care FAQs
A deductible is a set dollar amount that enrollees must pay out-of-pocket toward certain health care services before insurance starts to pay.
The Humana Group Medicare Advantage PPO plan, which also provides prescription drug coverage has a $192 per year deductible for some combined in and out-of-network services. This is an individual plan so a family deductible does not apply. The plan does not have a deductible for the Part D prescription drug benefits.
The Humana MSU Non-Medicare PPO plan, which also provides prescription drug coverage has an in-network deductible of $100 individual/$200 family. The non-network deductible is $500 individual/$1,000 family. The plan does not have a deductible for the prescription drug benefits.
There will not be an MSU premium associated with the Humana plans for retirees with full university contribution, hired on or before July 1, 2002. For retirees that are not fully vested, the premium associated will be based on the vesting contribution level consistent with current practice.
There is no longer a higher cost plan. Retirees have one option for health care moving forward, you will either be on the Medicare or the non-Medicare plan.
Note: For retirees enrolled in the Humana Group Medicare Advantage PPO, as the process exists currently, Medicare will continue to charge you a Medicare Part B premium. Existing Part B costs, including Late Enrollment Penalty (LEP) or Income Related Monthly Adjustment Amount (IRMAA) fees will apply consistently with current practice.
In addition, since the Humana plan includes Medicare Part D prescription drug coverage, for most people a Medicare Part D cost does not apply. However, as with Part B, Medicare Part D Late Enrollment Penalty (LEP) or Income Related Monthly Adjustment Amount (IRMAA) fee may apply. For more information on costs for Medicare Parts B and D, please see the links below:
You and your family are eligible for the Humana Group Medicare Advantage PPO Plan.
You are eligible for the Humana MSU Non-Medicare PPO plan.
Your family is eligible for the Humana Transition PPO. Once enrolled in that plan, Humana will cover any individuals on Medicare in the Humana Group Medicare Advantage PPO plan and those not yet eligible for Medicare in the Humana MSU Non-Medicare PPO plan.
Coverage for Spouse or Other Eligible Individual
Yes, that is correct. You do not need to complete the affidavit for your spouse/OEI. For those that are Medicare eligible, please be advised that you can only be enrolled in one Medicare Advantage plan at a time. If you enroll yourself or your spouse/OEI in the MSU Group Humana Medicare Advantage PPO plan and that is the last Medicare Advantage plan of enrollment, the previous Medicare Advantage provider will disenroll you and/or your spouse/OEI from that plan too. The same applies for Part D Medicare Prescription Drug plans too.
Prescription Drug Plan
No, the Humana plans cover both healthcare and prescription drug coverage through one plan.