Medical and Dental for Retirees
Stanford offers health coverage to qualifying official retirees and their eligible family members.
Medical Plans
Retirees under age 65 can enroll in the same plans available to active employees. For retirees age 65 and over, Stanford offers two types of medical plans: Medicare Supplement and Medicare Advantage.
With Medicare Supplement plans you apply for benefits after you receive your Medicare payments. With Medicare Advantage plans you sign-over your Medicare benefits to an HMO and receive all of your care through the HMO.
Available plans:
Compare retiree medical plans.
Mental Health and Substance Abuse
When you enroll in one of the medical options, you and your family are automatically covered for mental health and substance abuse benefits.
Retiree Dental Plan
Stanford offers dental coverage to qualifying official retirees.
Retiree Medical Benefits and Medicare
Your medical options depend on your Medicare eligibility. To enroll in any of the Stanford retiree medical plans, you must enroll in Medicare Parts A and B. Eligible dependents who are age 65 and over, or who receive Social Security Disability Income (SSDI) also must be enrolled in Medicare Parts A and B.
Non-Medicare Eligible (Under Age 65)
If you and your dependents are non-Medicare eligible, you receive active employee medical benefits.
Medicare Eligible
If you and your eligible dependents are Medicare eligible, you will receive the benefits described in this section.
Split Contracts
In some cases you and your covered dependents may not all be eligible for Medicare. When this occurs you will cover yourself and your dependents with the same medical provider. For those who have Medicare, the coverage will be on a Medicare plan. For those without Medicare, coverage will be provided by the corresponding non-Medicare plan. Learn about Split Contracts.
A Note on Rate Tiers
To better calculate the correct cost for families that include members who are both non-Medicare and Medicare eligible (Split Contract), make sure you use the correct contribution rate chart. For your dependents, go to the applicable contribution chart and use Spouse Only, Spouse & Child(ren) or Child(ren) Only.
