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Retiree Medical Plans

Choosing and personalizing your benefits depends on your specific health care needs, doctor preferences, budget and the type of plan you prefer.

For retirees age 65 and over we offer three medical plan options. View more information about Medicare eligibility or select one of the plans below to learn more. Read the Retiree Medical Plan FAQ to learn more about becoming an official retiree, different contribution methods and the break in service policy.

Medicare Advantage Plans

We offer a variety of Medicare Advantage plans that work hand-in-hand with your Medicare benefits. You assign your Medicare benefits to the Medicare Advantage HMO you select, and the HMO coordinates with Medicare. There are no claim forms to fill out and your only out-of-pocket costs are your copayments.

How These Plans Work

Medicare Advantage plans work the same as your active employee HMO. Except for Kaiser, you select a primary care physician (PCP) from your plan's network of doctors to coordinate all your care. With Kaiser, all care must be within a Kaiser facility. And for all HMOs, you receive no benefits if you go outside your network, unless you have an emergency.

View Frequently Asked Questions

Medicare Supplement Plans

Under a Stanford Medicare Supplement plan, Medicare is the primary medical plan for you and your dependents. You can go to any provider; however, you will have lower costs if you use a provider who accepts Medicare assignment. The Medicare Supplement plan pays benefits after you receive payment from Medicare.

Remember: If you choose to go outside your supplement plan's network of doctors, your benefits will be limited to services covered under Medicare only and must be provided by a doctor who accepts Medicare assignments.

View Frequently Asked Questions

Non-Medicare Plans

If both you and your dependents are non-Medicare eligible, you receive active employee medical benefits.