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. They must be a U.S. citizen, or a permanent resident lawfully residing in the U.S for at least five continuous years. 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.

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 Blue Shield Medicare plan, your non-Medicare eligible dependents may enroll in either the Stanford Select Copay Health Plan or the Stanford Choice High Deductible Health Plan. 

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

2025 Medical Plans

2026 Medical Plans