The rate you pay for your medical plan as a retiree depends on the plan and the level of coverage you need, but also when you qualified to retire:
- If you qualified to retire on or before Dec. 31, 2005, or were in a benefits-eligible position at age 55 and within 5 years of becoming an official retiree on that date, you should refer to the Legacy Retiree rates listed below.
- Otherwise, you should refer to the Cardinal Retiree rates listed below. Because the amount of university contribution depends on your years of service, as calculated by Stanford Benefits, you will need to use the Cardinal Retirees Worksheet below to calculate your monthly rates; if you have questions or need support, please contact the University HR Service Team at 650-736-2985, Monday – Friday, 8 a.m. – 5 p.m.
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2023 Monthly Contribution Rates
| MEDICAL PLAN COSTS PER MONTH | TOTAL COST | UNIVERSITY CONTRIBUTION | YOUR CONTRIBUTION |
|---|
| Kaiser Permanente HMO |
| Retiree Only | $872.82 | $872.82 | $0.00 |
| Retiree & Spouse/Registered Domestic Partner | $1,832.93 | $1,503.00 | $329.93 |
| Retiree & Child(ren) | $1,571.10 | $1,288.30 | $282.80 |
| Retiree & Family | $2,531.15 | $2,075.54 | $455.61 |
| Spouse/Registered Domestic Partner Only | $960.11 | $630.18 | $329.93 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,658.34 | $1,202.73 | $455.61 |
| Child(ren) Only | $698.22 | $415.42 | $282.80 |
| Stanford Health Care Alliance |
| Retiree Only | $1,448.69 | $1,316.69 | $132.00 |
| Retiree & Spouse/Registered Domestic Partner | $3,042.20 | $2,198.89 | $843.31 |
| Retiree & Child(ren) | $2,607.61 | $1,875.15 | $732.46 |
| Retiree & Family | $4,201.13 | $3,105.67 | $1,095.46 |
| Spouse/Registered Domestic Partner Only | $1,593.51 | $882.20 | $711.31 |
| Spouse/Registered Domestic Partner & Child(ren) | $2,752.44 | $1,788.98 | $963.46 |
| Child(ren) Only | $1,158.93 | $558.47 | $600.46 |
| Trio by Blue Shield |
| Retiree Only | $855.32 | $782.39 | $72.93 |
| Retiree & Spouse/Registered Domestic Partner | $1,796.15 | $1,231.42 | $564.73 |
| Retiree & Child(ren) | $1,539.57 | $1,049.07 | $490.50 |
| Retiree & Family | $2,480.40 | $1,746.82 | $733.58 |
| Spouse/Registered Domestic Partner Only | $940.83 | $449.02 | $491.81 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,625.08 | $964.43 | $660.65 |
| Child(ren) Only | $684.25 | $266.68 | $417.57 |
| Healthcare + Savings HDHP |
| Retiree Only | $1,234.34 | $1,184.34 | $50.00 |
| Retiree & Spouse/Registered Domestic Partner | $2,592.08 | $2,127.44 | $464.64 |
| Retiree & Child(ren) | $2,221.79 | $1,818.23 | $403.56 |
| Retiree & Family | $3,579.53 | $2,975.97 | $603.56 |
| Spouse/Registered Domestic Partner Only | $1,357.74 | $943.10 | $414.64 |
| Spouse/Registered Domestic Partner & Child(ren) | $2,345.19 | $1,791.63 | $553.56 |
| Child(ren) Only | $987.45 | $633.89 | $353.56 |
2023 Monthly Contribution Rates
| MEDICARE ADVANTAGE PLANS | TOTAL COST | UNIVERSITY CONTRIBUTION | YOUR CONTRIBUTION |
|---|
| Kaiser Permanente Senior Advantage |
| Retiree Only | $287.30 | $287.30 | $0.00 |
| Retiree & Spouse/Registered Domestic Partner | $574.84 | $471.37 | $103.47 |
| Retiree & Child(ren) | $574.84 | $471.37 | $103.47 |
| Retiree & Family | $861.91 | $706.76 | $155.14 |
| Spouse/Registered Domestic Partner Only | $287.30 | $183.83 | $103.47 |
| Spouse/Registered Domestic Partner & Child(ren) | $574.84 | $419.70 | $155.14 |
| Child(ren) Only | $287.30 | $183.83 | $103.47 |
| Health Net Seniority Plus |
| Retiree Only | $580.88 | $287.30 | $293.58 |
| Retiree & Spouse/Registered Domestic Partner | $1,161.76 | $471.37 | $690.39 |
| Retiree & Child(ren) | $1,161.76 | $471.31 | $690.39 |
| Retiree & Family | $1,742.64 | $706.76 | $1,035.88 |
| Spouse/Registered Domestic Partner Only | $580.88 | $183.83 | $397.05 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,161.76 | $458.72 | $703.04 |
| Child(ren) Only | $580.88 | $200.95 | $379.93 |
| MEDICARE SUPPLEMENT PLANS | TOTAL COST | UNIVERSITY CONTRIBUTION | YOUR CONTRIBUTION |
|---|
| Blue Shield Retiree PPO |
| Retiree Only | $582.07 | $287.30 | $294.77 |
| Retiree & Spouse/Registered Domestic Partner | $1,164.14 | $471.37 | $692.77 |
| Retiree & Child(ren) | $1,164.14 | $471.37 | $692.77 |
| Retiree & Family | $1,746.21 | $706.76 | $1,039.45 |
| Spouse/Registered Domestic Partner Only | $582.07 | $183.83 | $398.24 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,164.14 | $419.70 | $744.44 |
| Child(ren) Only | $582.07 | $183.83 | $398.24 |
| Health Net Medicare COB |
| Retiree Only | $850.92 | $287.30 | $563.62 |
| Retiree & Spouse/Registered Domestic Partner | $1,701.84 | $471.37 | $1,230.47 |
| Retiree & Child(ren) | $1,701.84 | $471.37 | $1,230.47 |
| Retiree & Family | $2,552.76 | $706.76 | $1,846.00 |
| Spouse/Registered Domestic Partner Only | $850.92 | $183.83 | $667.09 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,701.84 | $419.70 | $1,282.14 |
| Child(ren) Only | $850.92 | $183.83 | $667.09 |
2023 Monthly Premiums
| NON-MEDICARE ELIGIBLE | 2023 MONTHLY PREMIUM |
|---|
| Kaiser Permanente HMO |
| Retiree Only | $872.82 |
| Retiree & Spouse/Registered Domestic Partner | $1,832.93 |
| Retiree & Child(ren) | $1,571.10 |
| Retiree & Family | $2,531.15 |
| Spouse/Registered Domestic Partner Only | $960.11 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,658.34 |
| Child(ren) Only | $698.22 |
| Stanford Health Care Alliance |
| Retiree Only | $1,448.69 |
| Retiree & Spouse/Registered Domestic Partner | $3,042.20 |
| Retiree & Child(ren) | $2,607.61 |
| Retiree & Family | $4,201.13 |
| Spouse/Registered Domestic Partner Only | $1,593.51 |
| Spouse/Registered Domestic Partner & Child(ren) | $2,752.44 |
| Child(ren) Only | $1,158.93 |
| Trio, by Blue Shield |
| Retiree Only | $855.32 |
| Retiree & Spouse/Registered Domestic Partner | $1,796.15 |
| Retiree & Child(ren) | $1,539.57 |
| Retiree & Family | $2,480.40 |
| Spouse/Registered Domestic Partner Only | $940.83 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,625.08 |
| Child(ren) Only | $684.25 |
| Healthcare + Savings Plan |
| Retiree Only | $1,234.34 |
| Retiree & Spouse/Registered Domestic Partner | $2,592.08 |
| Retiree & Child(ren) | $2,221.79 |
| Retiree & Family | $3,579.53 |
| Spouse/Registered Domestic Partner Only | $1,357.74 |
| Spouse/Registered Domestic Partner & Child(ren) | $2,345.19 |
| Child(ren) Only | $987.45 |
2023 Monthly Premiums
| MEDICARE ELIGIBLE | 2023 MONTHLY PREMIUM |
|---|
Medicare Advantage Plans |
| Kaiser Permanente Senior Advantage |
| Retiree Only | $287.30 |
| Retiree & Spouse/Registered Domestic Partner | $574.84 |
| Retiree & Child(ren) | $574.84 |
| Retiree & Family | $861.90 |
| Spouse/Registered Domestic Partner Only | $287.30 |
| Spouse/Registered Domestic Partner & Child(ren) | $574.84 |
| Child(ren) Only | $287.30 |
| Health Net Seniority Plus |
| Retiree Only | $580.88 |
| Retiree & Spouse/Registered Domestic Partner | $1,161.76 |
| Retiree & Child(ren) | $1,161.76 |
| Retiree & Family | $1,742.64 |
| Spouse/Registered Domestic Partner Only | $580.88 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,161.76 |
| Child(ren) Only | $580.88 |
Medicare Supplement Plans |
| Blue Shield Retiree Medical Plan |
| Retiree Only | $582.07 |
| Retiree & Spouse/Registered Domestic Partner | $1,164.14 |
| Retiree & Child(ren) | $1,164.14 |
| Retiree & Family | $1,746.21 |
| Spouse/Registered Domestic Partner Only | $582.07 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,164.14 |
| Child(ren) Only | $582.07 |
| Health Net Medicare COB |
| Retiree Only | $850.92 |
| Retiree & Spouse/Registered Domestic Partner | $1,701.84 |
| Retiree & Child(ren) | $1,701.84 |
| Retiree & Family | $2,552.76 |
| Spouse/Registered Domestic Partner Only | $850.92 |
| Spouse/Registered Domestic Partner & Child(ren) | $1,701.84 |
| Child(ren) Only | $850.92 |
Calculate Your 2023 Monthly Costs
| Step 1 | From the Contribution Chart, enter the monthly cost for the medical plan and coverage level you want for 2023. | $ _____________ |
| Step 2 | Enter the annual contribution credit allowed for the coverage level you want in 2023. | $ _____________ |
| | Retiree Only: | $169.03 | |
| | Retiree & Spouse/Registered Domestic Partner: | $271.77 | |
| | Retiree & Child(ren): | $271.77 | |
| | Retiree & Family: | $374.51 | |
| | Spouse Only: | $102.74 | |
| | Spouse & Child(ren): | $271.77 | |
| | Child(ren): | $102.74 | |
| Step 3 | Enter your years of benefits-eligible employment, provided by Stanford Benefits. | _____________ |
| Step 4 | Multiply the credit by the years of service to get your annual contribution credit. This is the annual credit you receive for retiree medical coverage in 2023. | $ _____________ |
| Step 5 | Divide this number by 12 to get your monthly credit amount. | $ _____________ |
| Step 6 | Subtract your monthly credit amount in Step 5 from the monthly premium shown in Step 1. This is your monthly cost for medical coverage in 2023. | $ _____________ |
| Step 7 | If you want dental coverage in 2023, enter your cost from the Retiree Dental Plan Contribution Chart. | $ _____________ |
| Step 8 | If you want vision coverage in 2023, enter your cost from the Retiree Vision Plan Contribution Chart. | $ _____________ |
| Step 9 | Add Step 6, Step 7 and Step 8. This is your total monthly cost for retiree health care coverage in 2023. | $ _____________ |
Example (Non-Medicare Eligible Kaiser Permanente – Retiree Only)
| Step 1 | From the Contribution Chart, enter the monthly cost for the medical plan and coverage level you want for 2023. | $872.82 |
| Step 2 | Enter the annual contribution credit allowed for the coverage level you want in 2023. | $169.03 |
| | Retiree Only: | $169.03 | |
| | Retiree & Spouse/Registered Domestic Partner: | $271.77 | |
| | Retiree & Child(ren): | $271.77 | |
| | Retiree & Family: | $374.51 | |
| | Spouse Only: | $102.74 | |
| | Spouse & Child(ren): | $271.77 | |
| | Child(ren): | $102.74 | |
| Step 3 | Enter your years of benefits-eligible employment (provided by Stanford Benefits when you retired). | 10 |
| Step 4 | Multiply the credit by the years of service to get your annual contribution credit. This is the annual credit you receive for retiree medical coverage in 2023. | $1,690.30 |
| Step 5 | Divide this number by 12 to get your monthly credit amount. | $140.86 |
| Step 6 | Subtract your monthly credit amount in Step 5 from the monthly premium shown in Step 1. This is your monthly cost for medical coverage in 2023. | $731.96 |
| Step 7 | If you want dental coverage in 2023, enter your cost from the Retiree Dental Contribution chart. | $27.91 |
| Step 8 | If you want vision coverage in 2023, enter your cost from the Retiree Vision Contribution chart. | $0.00 |
| Step 9 | Add Step 6, Step 7 and Step 8. This is your total monthly cost for retiree health care coverage in 2023. | $759.87 |
2023 Monthly Contribution
NOTE: If you want to enroll in a Retiree dental plan, you must first be enrolled in a Retiree medical plan.
| Dental Costs Per Month | Total Cost | University Contribution | Your Contribution |
|---|
| Delta Dental PPO |
| Retiree Only | $33.91 | $6.00 | $27.91 |
| Retiree & Spouse/Registered Domestic Partner | $71.24 | $6.00 | $65.24 |
| Retiree & Child(ren) | $61.04 | $6.00 | $55.04 |
| Retiree & Family | $98.33 | $6.00 | $92.33 |
2023 Monthly Contribution
NOTE: If you want to enroll in a Retiree vision plan, you must first be enrolled in a Retiree medical plan.
| Vision Costs Per Month | Total Cost | University Contribution | Your Contribution |
|---|
| VSP Vision Care |
| Retiree Only | $10.56 | $0.00 | $10.56 |
| Retiree & Spouse/Registered Domestic Partner | $16.89 | $0.00 | $16.89 |
| Retiree & Child(ren) | $17.24 | $0.00 | $17.24 |
| Retiree & Family | $27.80 | $0.00 | $27.80 |