When you retire, you, your spouse, and your eligible dependents can enroll in the plan's group insurance offerings. You can enroll in the Master Healthcare Plan or one of several HMOs.

For provider information and details about coverage, refer to the Insurance Options Summary (R0379C) form. You can also download brochures from the insurance carrier links in the table below. 

Check out the Insurance Information (R0058C) document for information on enrollment, coverage, and eligibility for retirees. 

Who to contact and when:

Contact your insurance carrier for:

• Billings and claims for services.
• Cards.
• Claims.
• Copays.
• Deductibles.
• Covered procedures.
• Benefits.
• Services.
• In network vs. out of network.
• Yearly plan changes.

Contact Michigan Office of Retirement Services ORS) for:

• Enrollment questions.
• Eligibility questions.
• Monthly premium payments.

Insurance carriers

The insurance carrier answers any questions about insurance claims or if you want to know if a particular service is covered. If you have enrollment questions or problems, contact ORS. If you apply at least three months before your insurance effective date, your cards will usually arrive by your retirement effective date. If you need health services before your cards arrive, contact the insurance carrier directly to get your policy number or to verify coverage. 

Your medical records are private

The Health Insurance Portability and Accountability Act (HIPAA) and related rules require group health plans to protect the privacy of its members' health information. If you're concerned that your privacy rights have been compromised, or you need further information, please contact ORS.