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2025 Plan Year Monthly Health care and dental Premiums for retirees

Below you'll find 2025 plan year monthly health care and dental plan rates for MSU retirees, including retirees that worked part-time while employed. Health plan eligibility is based on the Medicare eligibility of you and your dependents.

Contact the Solutions Center at SolutionsCenter@hr.msu.edu or 517-353-4434 (toll free: 800-353-4434) with questions.

2025 Plan Year Monthly Health Care Premiums for Retirees

Retired Support Staff Hired Before July 1, 2002 and Retired Faculty Hired Before July 1, 2005

Retired Support Staff Hired Before July 1, 2002 and Retired Faculty Hired Before July 1, 2005
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan
 (Medicare Eligible Only) 		Retiree Only Paid by MSU $55.72 $111.43
2 Person Paid by MSU $111.43 $222.87
Family Paid by MSU $167.15 $334.30
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Retiree Only Paid by MSU $306.75 $613.50
2 Person Paid by MSU $613.50 $1,227.01
Family Paid by MSU $889.58 $1,779.16
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Retiree Only N/A N/A N/A
2 Person Paid by MSU $205.94 $411.88
Family 1 with Medicare:
Paid by MSU		 1 with Medicare:
$370.17		 1 with Medicare:
$740.35
2 with Medicare:
Paid by MSU		 2 with Medicare:
$261.66		 2 with Medicare:
$523.31
3 with Medicare:
Paid by MSU		 3 with Medicare:
$317.37		 3 with Medicare:
$634.75

Retired Support Staff Hired July 1, 2002 - June 30, 2010

 

Retired Support Staff Hired July 1, 2002 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan     
 (Medicare Eligible Only) 		Retiree Only Paid by MSU $55.72 $111.43
2 Person $222.87 $278.59 $334.30
Family $445.74 $501.46 $557.17
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Retiree Only Paid by MSU $306.75 $613.50
2 Person $1,227.01 $1,533.76 $1,840.51
Family $2,331.32 $2,638.07 $2,944.82
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Retiree Only N/A N/A N/A
2 Person $600.89 $656.61 $712.32
Family 1 with Medicare:
$1,257.83		 1 with Medicare:
$1,313.55		 1 with Medicare:
$1,369.26
2 with Medicare:
$823.76		 2 with Medicare:
$879.48		 2 with Medicare:
$935.19
3 with Medicare:
$1,046.63		 3 with Medicare:
$1,102.35		 3 with Medicare:
$1,158.06

Retired Support Staff Hired July 1, 2002 – June 30, 2010 AND the retiree is deceased. Premiums are paid by the surviving spouse/OEI 

The following health care monthly rates are for retired support staff  hired between July 1, 2002 and June 30, 2010 and the retiree is deceased. The following premiums would be paid by the surviving spouse/OEI. Please Note: the surviving spouse will pay the full-time equivalent premium regardless of the MSU retirees prior employment percentage.

Retired Support Staff Hired July 1, 2002 - June 30, 2010 AND Retiree is deceased
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan
 (Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $222.87 N/A N/A
2 Person $445.74 N/A N/A
Family $668.61 N/A N/A
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $1,227.01 N/A N/A
2 Person $2,454.02 N/A N/A
Family $3,558.33 N/A N/A
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Surviving
Spouse/OEI Only		 N/A N/A N/A
2 Person $823.76 N/A N/A
Family 1 with Medicare:
$1,480.70		 N/A N/A
2 with Medicare:
$1,046.63		 N/A N/A
3 with Medicare:
$1,269.50		 N/A N/A

Retired Faculty Hired July 1, 2005 – June 30, 2010.

The following health care monthly rates are for faculty that have elected 100% MSU coverage for themselves and 0% for a spouse/OEI OR 50% MSU coverage for themselves and 50% for a spouse/OEI while both the retiree and spouse/OEI are still living.

Retired Faculty Hired July 1, 2005 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan     
 (Medicare Eligible Only) 		Retiree  Paid by MSU $55.72 $111.43
2 Person $222.87 $278.59 $334.30
Family $445.74 $501.46 $557.17
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Retiree  Paid by MSU $306.75 $613.50
2 Person $1,227.01 $1,533.76 $1,840.51
Family $2,331.32 $2,638.07 $2,944.82
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Retiree  N/A N/A N/A
2 Person $600.89 $656.61 $712.32
Family 1 with Medicare:
$1,257.83		 1 with Medicare:
$1,313.55		 1 with Medicare:
$1,369.26
2 with Medicare:
$823.76		 2 with Medicare:
$879.48		 2 with Medicare:
$935.19
3 with Medicare:
$1,046.63		 3 with Medicare:
$1,102.35		 3 with Medicare:
$1,158.06

Retired Faculty Hired July 1, 2005 – June 30, 2010 with 50% MSU Coverage AND either the retiree or spouse/OEI is deceased, or they have divorced after retirement.

The following health care monthly rates are for faculty that have elected 50% MSU coverage for themselves and 50% for a spouse/OEI AND either the retiree or spouse/OEI is deceased, or they have divorced after retirement.

Retired Faculty Hired July 1, 2005 - June 30, 2010 with 50% MSU Coverage
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan     
 (Medicare Eligible Only) 		Retiree OR Surviving
Spouse/OEI Only		 $111.43 $139.29 $167.15
2 Person $334.30 $362.16 $390.02
Family $557.17 $585.03 $612.89
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Retiree OR Surviving
Spouse/OEI Only		 $613.50 $766.88 $920.26
2 Person $1,840.51 $1,993.89 $2,147.27
Family $2,944.82 $3,098.20 $3,251.58
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Retiree OR Surviving
Spouse/OEI Only		 N/A N/A N/A
2 Person $712.32 $740.18 $768.04
Family 1 with Medicare:
$1,369.26		 1 with Medicare:
$1,397.12		 1 with Medicare:
$1,424.98
2 with Medicare:
$935.19		 2 with Medicare:
$963.05		 2 with Medicare:
$990.91
3 with Medicare:
$1,158.06		 3 with Medicare:
$1,185.92		 3 with Medicare:
$1,213.78

Retired Faculty Hired July 1, 2005 – June 30, 2010 with 100% MSU Coverage AND the retiree is deceased. The following premiums would be paid by the spouse/OEI.

The following health care monthly rates are for faculty that have elected 100% MSU coverage for themselves and 0% for a spouse/OEI AND the retiree is deceased. The following premiums would be paid by the spouse/OEI. Please Note: the surviving spouse will pay the full-time equivalent premium regardless of the MSU retirees prior employment percentage.

Retired Faculty Hired July 1, 2005 - June 30, 2010 with 100% MSU Coverage
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan
 (Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $222.87 N/A N/A
2 Person $445.74 N/A N/A
Family $668.61 N/A N/A
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $1,227.01 N/A N/A
2 Person $2,454.02 N/A N/A
Family $3,558.33 N/A N/A
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Surviving
Spouse/OEI Only		 N/A N/A N/A
2 Person $823.76 N/A N/A
Family 1 with Medicare:
$1,480.70		 N/A N/A
2 with Medicare:
$1,046.63		 N/A N/A
3 with Medicare:
$1,269.50		 N/A N/A

  Retired Faculty and Support Staff Hired July 1, 2010 or Later

The following health care monthly rates are for faculty and support staff hired July 1,2010 or later. 

Retired Faculty  and Support Staff Hired July 1, 2010 or Later
Plan Coverage Full Time 3/4 Time 1/2 Time
MSU Medicare Advantage Plan     
 (Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $222.87 N/A N/A
2 Person $445.74 N/A N/A
Family $668.61 N/A N/A
MSU Non-Medicare Plan
(Non-Medicare Eligible Only) 		Surviving
Spouse/OEI Only		 $1,227.01 N/A N/A
2 Person $2,454.02 N/A N/A
Family $3,558.33 N/A N/A
MSU Transition Plan
(Mix of Medicare Eligible and
Non-Medicare Eligible 		Surviving
Spouse/OEI Only		 N/A N/A N/A
2 Person $823.76 N/A N/A
Family 1 with Medicare:
$1,480.70		 N/A N/A
2 with Medicare:
$1,046.63		 N/A N/A
3 with Medicare:
$1,269.50		 N/A N/A

2025 Plan Year Monthly Dental Premiums for Retirees

Retired Support Staff Hired Before July 1, 2002 and Retired Faculty Hired Before July 1, 2005

Retired Support Staff Hired Before July 1, 2002 and Retired Faculty Hired Before July 1, 2005
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Retiree OR Surviving
Spouse/OEI Only		 $11.64 $16.80 $21.95
2 Person $21.73 $31.60 $41.47
Family $37.44 $53.58 $69.71
Delta Dental Base Plan Retiree OR Surviving
Spouse/OEI Only		 Paid by MSU Paid by MSU Paid by MSU
2 Person Paid by MSU Paid by MSU $7.20
Family Paid by MSU $16.14 $32.27
Delta Dental Premium Plan Retiree OR Surviving
Spouse/OEI Only		 $22.29 $27.45 $32.60
2 Person $42.50 $52.37 $62.24
Family $69.80 $85.94 $102.07

Retired Support Staff Hired July 1, 2002 - June 30, 2010

 

Retired Support Staff Hired July 1, 2002 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Retiree OR Surviving
Spouse/OEI Only		 $11.64 $16.80 $21.95
2 Person $40.58 $45.74 $50.89
Family $81.36 $86.52 $91.67
Delta Dental Base Plan Retiree OR Surviving
Spouse/OEI Only		 Paid by MSU $5.16 $10.31
2 Person $18.85 $24.01 $29.16
Family $43.92 $49.08 $54.23
Delta Dental Premium Plan Retiree OR Surviving
Spouse/OEI Only		 $22.29 $27.45 $32.60
2 Person $61.35 $66.51 $71.66
Family $113.72 $118.88 $124.03

Retired Support Staff Hired July 1, 2002 – June 30, 2010 AND the retiree is deceased. Premiums are paid by the surviving spouse/OEI 

The following dental care monthly rates are for retired support staff  hired between July 1, 2002 and June 30, 2010 and the retiree is deceased. The following premiums would be paid by the surviving spouse/OEI. Please Note: the surviving spouse will pay the full-time equivalent premium regardless of the MSU retirees prior employment percentage.

Retired Support Staff Hired July 1, 2002 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Surviving
Spouse/OEI Only		 $32.27 N/A N/A
2 Person $61.21 N/A N/A
Family $101.99 N/A N/A
Delta Dental Base Plan Surviving
Spouse/OEI Only		 $20.63 N/A N/A
2 Person $39.48 N/A N/A
Family $64.55 N/A N/A
Delta Dental Premium Plan Surviving
Spouse/OEI Only		 $42.92 N/A N/A
2 Person $81.98 N/A N/A
Family $134.35 N/A N/A

Retired Faculty Hired July 1, 2005 – June 30, 2010.

The following dental care  monthly rates are for faculty that have elected 100% MSU coverage for themselves and 0% for a spouse/OEI OR 50% MSU coverage for themselves and 50% for a spouse/OEI while both the retiree and spouse/OEI are still living.

Retired Faculty Hired July 1, 2005 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Retiree Only $11.64 $16.80 $21.95
2 Person $40.58 $45.74 $50.89
Family $81.36 $86.52 $91.67
Delta Dental Base Plan Retiree Only Paid by MSU $5.16 $10.31
2 Person $18.85 $24.01 $29.16
Family $43.92 $49.08 $54.23
Delta Dental Premium Plan Retiree Only $22.29 $27.45 $32.60
2 Person $61.35 $66.51 $71.66
Family $113.72 $118.88 $124.03

Retired Faculty Hired July 1, 2005 – June 30, 2010 with 50% MSU Coverage AND either the retiree or spouse/OEI is deceased, or they have divorced after retirement.

The following dental care monthly rates are for faculty that have elected 50% MSU coverage for themselves and 50% for a spouse/OEI AND either the retiree or spouse/OEI is deceased, or they have divorced after retirement.

Retired Faculty Hired July 1, 2005 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Retiree OR Surviving
Spouse/OEI Only		 $21.95 $24.53 $27.11
2 Person $50.89 $53.47 $56.05
Family $91.67 $94.25 $96.83
Delta Dental Base Plan Retiree OR Surviving
Spouse/OEI Only		 $10.32 $12.89 $15.47
2 Person $29.16 $31.74 $34.32
Family $54.23 $56.81 $59.39
Delta Dental Premium Plan Retiree OR Surviving
Spouse/OEI Only		 $32.60 $35.18 $37.76
2 Person $71.66 $74.24 $76.82
Family $124.03 $126.61 $129.19

Retired Faculty Hired July 1, 2005 – June 30, 2010 with 100% MSU Coverage AND the retiree is deceased. The following premiums would be paid by the spouse/OEI.

The following dental care monthly rates are for faculty that have elected 100% MSU coverage for themselves and 0% for a spouse/OEI AND the retiree is deceased. The following premiums would be paid by the spouse/OEI. Please Note: the surviving spouse will pay the full-time equivalent premium regardless of the MSU retirees prior employment percentage.

Retired Faculty Hired July 1, 2005 - June 30, 2010
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Surviving
Spouse/OEI Only		 $32.27 N/A N/A
2 Person $61.21 N/A N/A
Family $101.99 N/A N/A
Delta Dental Base Plan Surviving
Spouse/OEI Only		 $20.63 N/A N/A
2 Person $39.48 N/A N/A
Family $64.55 N/A N/A
Delta Dental Premium Plan Surviving
Spouse/OEI Only		 $42.92 N/A N/A
2 Person $81.98 N/A N/A
Family $134.35 N/A N/A

Retired Faculty and Support Staff Hired July 1, 2010 or Later

The following dental care monthly rates are for faculty and support staff hired July 1,2010 or later. 

Retired Faculty and Support Staff Hired July 1, 2010 or Later
Plan Coverage Full Time 3/4 Time 1/2 Time
Aetna Premium PPO Surviving
Spouse/OEI Only		 $32.27 N/A N/A
2 Person $61.21 N/A N/A
Family $101.99 N/A N/A
Delta Dental Base Plan Surviving
Spouse/OEI Only		 $20.63 N/A N/A
2 Person $39.48 N/A N/A
Family $64.55 N/A N/A
Delta Dental Premium Plan Surviving
Spouse/OEI Only		 $42.92 N/A N/A
2 Person $81.98 N/A N/A
Family $134.35 N/A N/A

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, please contact the provider directly:

  • Humana: 800-273-2509
  • Personify Health: 800-273-2509
  • Delta Dental: 800-524-0149
  • Aetna Dental: 877-238-6200

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