UM retirees have a number of medical insurance options available. The options differ in benefit levels, the doctors and hospitals you can use, and the cost to you.

Medicare
Your UM medical plans are designed to coordinate with your Medicare benefits, and it is important that you and your dependents enroll in Medicare when you first become eligible. See Medicare for more information.

Your Medical Insurance Options
Most UM Retirees have the following insurance coverage options:

• Two health maintenance organizations (HMOs)
  • Priority Health HMO
  • Health Alliance Plan HMO
• A traditional "fee-for-service" plan
  • Comprehensive Major Medical, a BCBSM company
• A preferred provider organization (PPO)
  • Blue Cross Blue Shield of Michigan Community Blue PPO
• One managed care plan
  • U-M Premier Care

The medical insurance options differ in the benefit levels they provide and the hospitals you can use. The amount of University and retiree contributions toward retiree benefit plans will vary based on hire date, age, retirement date, eligibility for Medicare, coverage level, and medical plan selected.

Monthly Medical Insurance Costs for Retirees