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Retiree Contribution Rates

What you pay for your medical plan as a retiree depends on the plan and the level of coverage you need, but it also depends on 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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Legacy Retirees (Non-Medicare Eligible)

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2021 Monthly Contribution

Medical Plan Costs Per Month Total Cost University Contribution Your Contribution
Kaiser Permanente HMO
Retiree Only $784.66 $784.66 $0.00
Retiree & Spouse/Registered Domestic Partner $1,647.78 $1,343.81 $303.97
Retiree & Child(ren) $1,412.42 $1,151.87 $260.55
Retiree & Family $2,275.49 $1,855.72 $419.77
Spouse/Registered Domestic Partner Only $863.12 $559.15 $303.97
Spouse/Registered Domestic Partner & Child(ren) $1,490.83 $1,071.06 $419.77
Child(ren) Only $627.76 $367.21 $260.55
Stanford Health Care Alliance 
Retiree Only $1,223.85 $1,127.85 $96.00
Retiree & Spouse/Registered Domestic Partner $2,570.04 $1,956.72 $613.32
Retiree & Child(ren) $2,202.91 $1,670.21 $532.70
Retiree & Family $3,549.11 $2,752.41 $796.70
Spouse/Registered Domestic Partner Only $1,346.19 $828.87 $517.32
Spouse/Registered Domestic Partner & Child(ren) $2,325.26 $1,624.56 $700.70
Child(ren) Only $979.06 $542.36 $436.70
Trio by Blue Shield
Retiree Only $797.63 $737.63 $60.00
Retiree & Spouse/Registered Domestic Partner $1,675.02 $1,210.38 $464.64
Retiree & Child(ren) $1,435.74 $1,032.18 $403.56
Retiree & Family $2,313.12 $1,709.56 $603.56
Spouse/Registered Domestic Partner Only $877.39 $472.75 $404.64
Spouse/Registered Domestic Partner & Child(ren) $1,515.49 $971.93 $543.56
Child(ren) Only $638.11 $294.55 $343.56
Healthcare + Savings Plan 
Retiree Only $957.53 $877.53 $80.00
Retiree & Spouse/Registered Domestic Partner $2,010.79 $1,438.95 $571.84
Retiree & Child(ren) $1,723.55 $1,234.11 $489.44
Retiree & Family $2,776.81 $1,987.97 $788.84
Spouse/Registered Domestic Partner Only $1,053.26 $561.42 $491.84
Spouse/Registered Domestic Partner & Child(ren) $1,819.28 $1,110.44 $708.84
Child(ren) Only $766.02 $356.58 $409.44

Legacy Retirees (Medicare Eligible)

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2021 Monthly Contribution

Medicare Advantage Plans Total Cost University Contribution Your Contribution
Kaiser Permanente Senior Advantage
Retiree Only $330.38 $330.38 $0.00
Retiree & Spouse/Registered Domestic Partner $660.76 $541.82 $118.94
Retiree & Child(ren) $660.76 $541.82 $118.94
Retiree & Family $991.14 $812.73 $178.41
Spouse/Registered Domestic Partner Only $330.38 $211.44 $118.94
Spouse/Registered Domestic Partner & Child(ren) $660.76 $482.35 $178.41
Child(ren) Only $330.38 $211.44 $118.94
Health Net Seniority Plus
Retiree Only $558.58 $330.38 $228.20
Retiree & Spouse/Registered Domestic Partner $1,117.16 $541.82 $575.34
Retiree & Child(ren) $1,117.16 $541.82 $575.34
Retiree & Family $1,675.74 $812.73 $863.01
Spouse/Registered Domestic Partner Only $558.58 $211.44 $347.14
Spouse/Registered Domestic Partner & Child(ren) $1,117.16 $482.35 $634.81
Child(ren) Only $558.58 $211.44 $347.14
Medicare Supplement Plans Total Cost University Contribution Your Contribution
Blue Shield Retiree PPO
Retiree Only $506.43 $330.38 $176.05
Retiree & Spouse/Registered Domestic Partner $1,012.86 $541.82 $471.04
Retiree & Child(ren) $1,012.86 $541.82 $471.04
Retiree & Family $1,519.29 $812.73 $706.56
Spouse/Registered Domestic Partner Only $506.43 $211.44 $294.99
Spouse/Registered Domestic Partner & Child(ren) $1,012.86 $482.35 $530.51
Child(ren) Only $506.43 $211.44 $294.99
Health Net Medicare COB
Retiree Only $840.00 $330.38 $509.62
Retiree & Spouse/Registered Domestic Partner $1,680.00 $541.82 $1,138.18
Retiree & Child(ren) $1,680.00 $541.82 $1,138.18
Retiree & Family $2,520.00 $812.73 $1,707.27
Spouse/Registered Domestic Partner Only $840.00 $211.44 $628.56
Spouse/Registered Domestic Partner & Child(ren) $1,680.00 $482.35 $1,197.65
Child(ren) Only $840.00 $211.44 $628.56

Cardinal Retiree (Non-Medicare Eligible)

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2021 Monthly Premiums

Non-Medicare Eligible 2021 Monthly Premium
Kaiser Permanente HMO
Retiree Only $784.66
Retiree & Spouse/Registered Domestic Partner $1,647.78
Retiree & Child(ren) $1,412.42
Retiree & Family $2,275.49
Spouse/Registered Domestic Partner Only $863.12
Spouse/Registered Domestic Partner & Child(ren) $1,490.83
Child(ren) Only $627.76
Stanford Health Care Alliance
Retiree Only $1,223.85
Retiree & Spouse/Registered Domestic Partner $2,570.04
Retiree & Child(ren) $2,202.91
Retiree & Family $3,549.11
Spouse/Registered Domestic Partner Only $1,346.19
Spouse/Registered Domestic Partner & Child(ren) $2,325.26
Child(ren) Only $979.06
Trio, by Blue Shield
Retiree Only $797.63
Retiree & Spouse/Registered Domestic Partner $1,675.02
Retiree & Child(ren) $1,435.74
Retiree & Family $2,313.12
Spouse/Registered Domestic Partner Only $877.39
Spouse/Registered Domestic Partner & Child(ren) $1,515.49
Child(ren) Only $638.11
Healthcare + Savings Plan
Retiree Only $957.53
Retiree & Spouse/Registered Domestic Partner $2,010.79
Retiree & Child(ren) $1,723.55
Retiree & Family $2,776.81
Spouse/Registered Domestic Partner Only $1,053.26
Spouse/Registered Domestic Partner & Child(ren) $1,819.28
Child(ren) Only $766.02

Cardinal Retirees (Medicare Eligible)

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2021 Monthly Premiums

Medicare Eligible 2021 Monthly Premium

Medicare Advantage Plans

Kaiser Permanente Senior Advantage
Retiree Only $330.38
Retiree & Spouse/Registered Domestic Partner $660.76
Retiree & Child(ren) $660.76
Retiree & Family $991.14
Spouse/Registered Domestic Partner Only $330.38
Spouse/Registered Domestic Partner & Child(ren) $660.76
Child(ren) Only $330.38
Health Net Seniority Plus
Retiree Only $558.58
Retiree & Spouse/Registered Domestic Partner $1,117.16
Retiree & Child(ren) $1,117.16
Retiree & Family $1,675.74
Spouse/Registered Domestic Partner Only $558.58
Spouse/Registered Domestic Partner & Child(ren) $1,117.16
Child(ren) Only $558.58

Medicare Supplement Plans

Blue Shield Retiree Medical Plan
Retiree Only $506.43
Retiree & Spouse/Registered Domestic Partner $1,012.86
Retiree & Child(ren) $1,012.86
Retiree & Family $1,519.29
Spouse/Registered Domestic Partner Only $506.43
Spouse/Registered Domestic Partner & Child(ren) $1,012.86
Child(ren) Only $506.43
Health Net Medicare COB
Retiree Only $840.00
Retiree & Spouse/Registered Domestic Partner $1,680.00
Retiree & Child(ren) $1,680.00
Retiree & Family $2,520.00
Spouse/Registered Domestic Partner Only $840.00
Spouse/Registered Domestic Partner & Child(ren) $1,680.00
Child(ren) Only $840.00

Cardinal Retirees Worksheet

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Calculate Your 2021 Monthly Costs

Step 1 From the Contribution Chart, enter the monthly cost for the medical plan and coverage level you want for 2021. $ _____________
Step 2 Enter the annual contribution credit allowed for the coverage level you want in 2021. $ _____________
   Retiree Only:  $154.80  
   Retiree & Spouse/Registered Domestic Partner: $248.88  
   Retiree & Child(ren): $248.88  
   Retiree & Family: $342.96  
   Spouse Only: $94.08  
   Spouse & Child(ren): $248.88  
   Child(ren): $94.08  
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 2021. $ _____________
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 2021. $ _____________
Step 7 If you want dental coverage in 2021, enter your cost from the Retiree Dental Plan Contribution Chart. $ _____________
Step 8 If you want vision coverage in 2021, 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 2021. $ _____________

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 2021. $784.66
Step 2 Enter the annual contribution credit allowed for the coverage level you want in 2021. $154.80
   Retiree Only:  $154.80  
   Retiree & Spouse/Registered Domestic Partner: $248.88  
   Retiree & Child(ren): $248.88  
   Retiree & Family: $342.96  
   Spouse Only: $94.08  
   Spouse & Child(ren): $248.08  
   Child(ren): $94.08  
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 2021. $1,548.00
Step 5 Divide this number by 12 to get your monthly credit amount. $129.00
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 2021. $655.66
Step 7 If you want dental coverage in 2021, enter your cost from the Retiree Dental Contribution chart. $27.63
Step 8 If you want vision coverage in 2021, 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 2021. $683.29

Retiree Dental Plan

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2021 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 $33.63 $6.00 $27.63
Retiree & Spouse/Registered Domestic Partner $70.65 $6.00 $64.65
Retiree & Child(ren) $60.53 $6.00 $54.53
Retiree & Family $97.51 $6.00 $91.51

Retiree Vision Plan

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2021 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