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Medicare Eligibility

As a retiree, your medical options depend on your Medicare eligibility.

To enroll in any of our retiree medical plans, you must be enrolled in Medicare Parts A and B. Eligible dependents who are age 65 and older or who receive Social Security Disability Income (SSDI) also must be enrolled in Medicare Parts A and B. Medicare requires that you pay a premium for Part B in addition to the premium you pay for your Stanford retiree health plan. Retirees and their eligible dependents do not need to enroll in Medicare Part D because Stanford offers prescription drug coverage in its medical plans (view the Medicare Notice of Credible Coverage). Visit www.medicare.gov and www.ssa.gov for more information.

Non-Medicare Eligible (Under age 65) Medicare Eligible (65 and older)

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

Learn more about faculty and staff medical plans.

If you and your eligible dependents are Medicare eligible, you will receive the benefits described under retiree medical plans.

Review required documentation for confirming your dependents' eligibility for benefits

Health Plans If You Are in a “Split Family” 

“Split family” describes a family where some members are Medicare eligible and some are not Medicare eligible. If you’re in a split family, you and your dependents must enroll in medical plans offered by the same insurance company, if available. The retiree’s medical plan election determines the plan choice for other family members.
 
For example, if you are eligible for Medicare and elect coverage with the Kaiser Permanente Senior Advantage plan, your non-Medicare-eligible dependents must enroll in the Kaiser Permanente HMO. If you are in the Health Net Medicare plan, your non-Medicare eligible dependents may enroll in either the SHCA plan, the Healthcare + Savings plan or the Trio plan. 
 

The table below lists the plan options for Split Family Coverage.

Download a print version of the table below.

Medicare - Eligible Retiree/Dependent Non-Medicare Eligible Retiree/Dependent
Kaiser Senior Advantage Kaiser HMO
Health Net Seniority Plus Healthcare + Savings, Trio or SHCA
Health Net Medicare COB Healthcare + Savings, Trio or SHCA
Blue Shield Retiree Plan Healthcare + Savings, Trio or SHCA