Retiree Medical Insurance

Medical plan options during retirement

Retiree medical plan premiums are subject to graduated eligibility.

• Insurance premiums for retirees (pdf)
• Medical plans (EPO, PPO, CDHP) comparison chart (pdf)
• EPO, PPO, Medicare Supplement medical plans comparison chart (pdf)

Exclusive Provider Organization
(EPO) medical plan

• Available for any retiree
• In-network coverage only
• EPO Summary of Benefits for Retirees (pdf)
• EPO Plan Description (pdf)

Preferred Provider Option
(PPO) medical plan

• Available for any retiree
• Both in-network and out-of-network benefits
• PPO Summary of Benefits for Retirees (pdf)
• PPO Plan Description (pdf)

Consumer‐Directed Health Plan
(CDHP) medical plan

• Available only to retirees who are NOT coordinated with Medicare
• Laboratory contributes one-half of your total deductible into a Health Reimbursement Account (HRA).  Until the HRA is exhausted, you pay nothing out of pocket.  Once HRA is exhausted, you pay remainder of the deductible.  After deductible has been met, you pay 10% co-insurance for eligible in-network services.  If HRA is not exhausted, unused money roles over to the next plan year.
• CDHP Summary of Benefits for Non-Medicare Eligible Retirees (pdf)
• CDHP Plan Description (pdf)

National Medicare Supplement

• Available only to retirees who are coordinated with Medicare Parts A & B.
• Complements Medicare by paying specific benefits for Medicare-eligible medical services. You must go to a provider who has accepted Medicare assignment.
• Medicare Supplement Summary of Benefits (pdf)
• Medicare Supplement Plan Description (pdf)