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Retiree Medical Benefits - M&P

M&P Retiree Health Insurance

M&P who retire may be eligible to receive a subsidy for part of their health insurance.

Retirement for this purpose is ending active service under the following conditions:

  • Age 55 or greater, and
  • 5 or more years of service, and
  • one of the following:
    • age 65 or
    • the sum of age and service greater than or equal to 75, e.g., age 55 and 20 years of service, or age 60 and 15 years of service.

Retirees and their spouses under age 65 at the time of retirement can continue to participate in the same medical plans as an active employee.

Retirees and their spouses over the age of 65 at the time of retirement must enroll in Medicare Part A and B. The University provides a subsidy toward a Medicare Supplement (currently with the Hartford Life Insurance Co.) and a Major Medical Plan (administered by the Yale Health Plan). This plan pays the Medicare deductibles and co-pays and allows unlimited choice of providers. Retirees over age 65 who have been members of the Yale Health Plan are able to continue to use most of the services provided at YHP. Claims for services received at YHP will be submitted to Medicare and the Supplemental Insurance.

The maximum subsidy for retirees and their spouses is attained with completion of 30 years of service. All subsidies are pro-rated for years of service less than 30.

Retirees over 65 are also offered the option of enrolling in a Medicare Advantage plan, a managed care plan with a network of physicians and hospitals from which the participant must choose.

This site is currently being updated. If you have further questions regarding retiree medical benefits, please contact an Employee Services representative by phone at 203-432-5552 or send an e-mail to employee.services@yale.edu.