Congratulations on your retirement! The following information is meant to help you through your time of retirement and making benefit decisions. Your active employee benefits will terminate when you retire. You have two WSU options for medical, dental and vision insurance when you retire:

1. COBRA allows you to continue group medical, dental and/or vision benefits when you or your dependents become ineligible for university benefits. You will receive a COBRA package in the mail after your termination date. Click here to learn more about COBRA.
2. WSU retiree medical, dental and/or vision. Please learn more below. 

For further detailed information, please refer to the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook

Retiree benefits

• Medical Insurance

  You may elect to continue your medical insurance through Wayne State University. You may enroll at the time of retirement, when your COBRA continuation ends, during Open Enrollment or when you experience a change as outlined on pages 14-15 of the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook.

  The university offers five retiree medical plan options:

  Retiree plan	Plan type	Coverage information	Contact information
  Aetna	Medicare Advantage Plan (PPO)	Retiree Master Plan ID #: 0014316 Aetna Summary of Benefits	888-267-2637 aetnaretireeplans.com
  Blue Care Network	Health Maintenance Organization (HMO)	Group #: 00111308 BCN Pre-65 Summary of Benefits BCN Post-65 Summary of Benefits	800-662-6667 www.bcbsm.com
  Blue Cross Shield of Michigan (BCBS)	Traditional Fee-for-service Plan	Group #: 007002779 BCBS Pre-65 Summary of Benefits BCBS Post-65 Summary of Benefits	877-354-2583 www.bcbsm.com
  HAP	Health Maintenance Organization (HMO)	Group #: 10000664 HAP Summary of Benefits	800-422-4641 www.hap.org/
  HAP Senior Plus	Medicare Advantage Plan (HMO)	Group #: 10000664 HAP Senior Plus Summary of Benefits	800-801-1770 www.hap.org/

  Enrollment 

  You may enroll at the time of retirement, when your COBRA continuation ends, during Open Enrollment or when you experience a change as outlined on pages 14-15 of the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook.

  To enroll:

  • Aetna Medicare Plan (PPO): Complete the 2024 Aetna enrollment form and send to: Aetna Employer Group, PO Box 7082, London, KY 40742. You will be billed monthly by Aetna.
  • Blue Cross Blue Shield, Blue Care Network, or Health Alliance Plan: Complete the Retiree Medical Plan Election Form and send to the HR Service Center
  • HAP Senior Plus: Complete the HAP Senior Plus Enrollment Form and send to:

  Quickest option: e-mail: askhr@wayne.edu
  (use your WSU e-mail and include “#SECURE” in the subject line to ensure your personal information is encrypted)

  Mail: HR Service Center, 5700 Cass Ave., Suite 3638
  Detroit, MI 48202

  Fax: 313-577-0637

  Please note: If you are 9-month employee retiring at the end of the Winter Semester in May, your 9-month active employee coverage is active through August 31. Enrollment into retiree plans will apply beginning September 1. Learn more about how 9-month employees pay for Summer premiums

  Rates & payments

  Click here for 2024 retiree rates.

  Retiree medical insurance coverage and rates apply beginning the first of the month following your date of retirement or COBRA ending or January 1 if you enroll during Open Enrollment. You will be billed for the monthly premium by the university's billing agent, Navia Benefit Solutions (excluding Aetna). Payments are due by the first of the month for the given month's coverage. Payments not received within 45 days will result in cancellation of coverage.

  Billing administrator	Phone	Web
  Navia Benefit Solutions	877-920-9675	http://cobrapoint.benaissance.com/

  Medicare & WSU retiree medical plans

  Please be aware that WSU is not affiliated with Medicare, nor in the position to offer advice or guidance regarding Medicare other than factual information regarding WSU insurance. WSU is not responsible for enrolling employees, retirees or their spouses in Medicare. We encourage you to refer to Medicare.gov to learn more about Medicare.

  At the time of retirement:

  If you are retiring and you (or your spouse, if you are planning on covering them on your plan) are age 65 or older and you plan to enroll in a WSU retiree medical plan, you (or your spouse) will need to apply for Medicare Hospital Insurance (Part A) and Medicare Medical Insurance (Part B). You may be given a form to be completed by your employer to verify your employment and your medical insurance status. Please mail or fax this form to the the HR Service Center via secure (encrypted) e-mail to askhr@wayne.edu, mail or faxed to 313-577-0637. We will be happy to complete the form and return it to you.

  Medicare will be you (or your spouse's) primary insurance. Your university retiree medical insurance will be secondary. You must provide the HR Service Center with a copy of your Medicare card in order to enroll in a WSU retiree medical plan.

  9-month employees retiring in May (end of Winter semester):

   When you terminate employment at the end of the Winter semester and are not actively working but have WSU benefit coverage through August 31, if you (or your spouse) have Medicare or get Medicare in June, July or August, Medicare will become primary and WSU benefit coverage is secondary for those months. You will need to let your providers know Medicare is primary and WSU coverage is secondary. Please visit medicare.gov to learn more.

  If you are already retired:

  If you are already retired and you (or your spouse, if covered on your plan) are turning age 65 and you are enrolled or plan to enroll in a WSU retiree medical plan, you (or your spouse) will need to apply for Medicare Hospital Insurance (Part A) and Medicare Medical Insurance (Part B) before the 1st of the month of Medicare eligibility (month of 65^th birthday). Medicare will be your (or your spouse's) primary insurance. WSU retiree medical insurance will be secondary. You must provide the HR Service Center with a copy of you (or your spouse's) Medicare card as soon as you receive it. Your plan tier (and premium rates) will change at the time you (or your spouse) turns 65 and becomes Medicare eligible. If we don't receive a copy of your Medicare card showing coverage dates that coincide with Medicare eligibility dates (1st of month of 65^th birthday), coverage will terminate for the Medicare eligible person at the end of the month prior to Medicare eligibility month. 

  Once you (or your spouse) have Medicare, please remember that Medicare will be your (or your spouse's) primary insurance and your retiree coverage through WSU will be secondary. For services the first month after your Medicare eligibility date, you will want to show both your Medicare card and your WSU retiree medical insurance card to your health care providers. It will make a difference in how they submit your claims.

  If you plan to cover your spouse on a WSU retiree medical plan and are enrolling in either HAP Senior Plus or Aetna Medicare Plan (PPO), you must both be Medicare eligible and each person must complete a separate enrollment form. 

  Quick links

  • Retiree, Surviving Spouse, and Long-Term Disability Recipient Benefits Handbook
  • Retiree medical rate schedule
  • Forms
  • Medicare.gov
  • Socialsecurity.gov
  • AARP Insurance & Medicare Web Page

  Disenrollment

  If you decide to terminate your BCBS, BCN, HAP, or HAP Senior Plus medical insurance coverage through Wayne State University, you must send written notification or complete the Retiree Medical Plan Election Form and send to either Navia Benefit Solutions or the HR Service Center (askhr@wayne.edu). Your insurance will be canceled at the end of the month in which we receive your termination notice. To terminate Aetna Medicare Plan (PPO) coverage, you must communicate your intentions directly to Aetna.

  To terminate BCBS, BCN, HAP or HAP Senior Plus:		To terminate Aetna Medicare Plan (PPO):
  Navia Benefit Solutions PO Box 3961 Seattle, WA 98124-3961	WSU HR Service Center 5700 Cass Ave., Suite 3638 Detroit, MI 48202	Aetna Medicare Advantage Plans  P .O . Box 14088 Lexington, KY 40512-4088

  Re-enrollment

  If you no longer have medical insurance coverage through Wayne State University and you are a retiree, you can re-enroll in any of the plans following normal enrollment rules above.

  Questions?

  If you have any questions please contact our office at 313-577-3000 or askhr@wayne.edu

• Dental Insurance

  As a retiree you may elect to have dental insurance through the WSU retiree dental plan with Delta Dental. You may enroll at the time of retirement, when your COBRA continuation ends, during Open Enrollment or when you experience a change as outlined on pages 14-15 of the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook.

  Conditions of enrollment:  If you enroll in the WSU retiree Delta Dental plan, you will be billed for the monthly premium by the university's billing agent, Navia Benefit Solutions. Payments are due by the ï¬rst of the month for the given month's coverage. Payments not received within 45 days will result in cancellation of coverage. WSU retiree dental coverage MUST continue for a 12-month period based on your enrollment date. If your coverage is terminated for any reason during the 12-month period (due to non-payment or you cancel coverage), you may not re-enroll until the first Open Enrollment period following 12 months from your coverage end date. In order to re-enroll you must first remit all back premiums for the 12-month period in which you canceled previously. 

  • Retiree group #: 0005989-0001
  • Member ID # will be your SSN
  • Summary of retiree dental coverage
  • Rates
  • Dental Plan Election Form

  Contact	Phone	Web
  Delta Dental	800-482-8915	deltadentalmi.com Provider Locator
  Navia Benefit Solutions	877-920-9675	http://cobrapoint.benaissance.com/

• Vision Insurance

  As a retiree you may elect to have vision insurance through the WSU retiree vision plan with EyeMed. You may enroll at the time of retirement, when your COBRA continuation ends, during Open Enrollment or when you experience a change as outlined on pages 14-15 of the Retiree, Surviving Spouse and Long-Term Disability Recipient Benefits Handbook.  

  Conditions of enrollment:  If you enroll in the WSU retiree EyeMed vision plan, you will be billed for the monthly premium by the university's billing agent, Navia Benefit Solutions. Payments are due by the ï¬rst of the month for the given month's coverage. Payments not received within 45 days will result in cancellation of coverage. WSU retiree vision coverage MUST continue for a 12-month period based on your enrollment date. If your coverage is terminated for any reason during the 12-month period (due to non-payment or you cancel coverage), you may not re-enroll until the first Open Enrollment period following 12 months from your coverage end date. In order to re-enroll you must first remit all back premiums for the 12-month period in which you canceled previously. 

  • Retiree basic group #: 1035652-1001
  • Retiree enhanced group #: 1035652-1002
  • Member ID # will be your 9-digit WSU Banner ID
  • Summary of retiree vision coverage
  • Rates
  • Vision Plan Election Form

  Contact	Phone	Web
  EyeMed	866-723-0514	eyemed.com  Provider Locator ("Select" network)
  Navia Benefit Solutions	877-920-9675	http://cobrapoint.benaissance.com/

• Life Insurance

  As a retiree, the university provides you with $2,500 in life insurance coverage (see Group Term Basic Life Insurance Certificate). While you are preparing for retirement, this may be a good time to review your life insurance beneficiary designations and update them if necessary.

  • To update your beneficiaries, please submit: Retiree Life Insurance Beneficiary Designation Form
  • Retiree life insurance certificate: Group Term Basic Life Insurance Certificate (see page 8)

  Conversion:

  In addition, you may convert a portion of your employee group life insurance to an individual direct-pay plan. Information about conversion is available here. If you have questions about the procedure or the rates, please call Sun Life Financial at 1-800-247-6875.

• Voluntary Benefits

  Voluntary benefits can be continued during retirement. If you have Liberty Mutual home and/or automobile insurance or long-term care insurance with John Hancock or Trustmark, please contact the respective company prior to your retirement to change to home billing. Click here for more information on voluntary benefits. 

• Vacation and Illness Bank Payoffs

  Employees in certain classifications are eligible for a payoff of their vacation bank and one-half of their accumulated illness bank (up to a maximum 225 hours' pay). Please refer to your labor contract or the Non-Represented Employee Manual for details. AAUP members, please refer to the AAUP CBA. The payoffs are included on your last check as an active employee. Please contact Payroll with any questions. 

• Retiree OneCard, Parking, Email & Other Benefits

  Retiree Benefit	Contact Information
  Retiree OneCard & free university parking (excluding structures 3 & 6) - apply after you have received your last employee paycheck	OneCard/Parking Service Center Phone: 313-577-CARD Website: onecard.wayne.edu/contact Email: onecard@wayne.edu
  Continued e-mail access - this is automatically set up for retirees	Computing & Information Technology Phone: 313-577-4357 Website: tech.wayne.edu/about/contactus
  Discounted rate at Mort Harris Recreation and Fitness Center (RFC) & Matthaei Center	Mort Harris Recreation and Fitness Center  Phone: 313-577-2348 Website: rfc.wayne.edu/membership
  Senior citizen reduced tuition	Student Service Center Phone: 313-577-2100 Website: wayne.edu/registrar/tuition Email: studentservice@wayne.edu
  Library access	Retiree borrowing privileges
  Show Your OneCard & Save discounts	Website: onecard.wayne.edu/show-your-onecard
  Society of Active Retirees: founded by WSU’s own Sharon O’Brien, past Assistant Dean	www.soarexplore.com/

• Retirement Savings Plan Investments

  For information regarding the various options available to you through TIAA and/or Fidelity Investments, please contact the companies directly:

  Investment Carrier Contact Information
  TIAA Telephone: 1-800-842-2252 To schedule 1-on-1 Counseling: Make an Appointment 1-800-732-8353	Fidelity Investments Telephone: 1-800-343-0860 To schedule 1-on-1 Counseling:  Make an Appointment 1-800-642-7131

  For information regarding Social Security Retirement benefits, you may drop by your local Social Security Administration office, call their toll-free number at 1-800-772-1213, or visit their Web site at www.ssa.gov.

Consultations or assistance may be requested by making an appointment here.