Open Enrollment for 2015 benefits: October 27 - November 7, 2014

Open Enrollment 2014 Open Enrollment is the annual opportunity for benefits-eligible faculty, staff, retirees and students to review their current benefits and make changes for the next calendar year. Open Enrollment for 2015 benefits is set for October 27 to November 7, 2014.

2015 Rates available now -- click here

What's New for 2015

Legal Services Plan Available to Retirees
U-M retirees will have the option to enroll in the university’s Legal Services Plan during this year’s Open Enrollment. This benefit is currently available to benefits-eligible faculty and staff and is being made available for the first time to retirees beginning in 2015.

The Legal Services Plan is administered by Hyatt Legal Services and the monthly premium is fully paid by the employee or retiree. Those enrolled in U-M's Optional Life Insurance or Retiree Life Insurance plans already have access to simple will preparation services with Hyatt attorneys. The additional legal plan may be of interest to those needing professional legal assistance with wills, trusts, estate planning, real estate transactions, and other family law matters. For more information, see Legal Services Plan or view the 2015 Legal Services Plan book. Click here to view the 2015 Legal Services Plan monthly rates.

Most U-M medical plans to cover in vitro fertilization
The university will expand its current coverage of infertility diagnosis, drug therapy and counseling to include in vitro fertilization. The new coverage takes effect on January 1, 2015 and applies to most U-M medical plans.

  • The expansion will provide IVF coverage for women through age 42 who have been diagnosed with infertility. Individuals contribute a co-insurance of 20 percent of the cost, and the remainder is covered by the plan up to a $20,000 lifetime maximum.
  • U-M Health System will be the exclusive provider for those who qualify for the IVF benefit. IVF services at non-UMHS providers will not be covered.
  • All of U-M's self-insured medical plans will add IVF coverage for 2015. Health Alliance Plan (HAP) is not a self-insured plan and is excluded. Employees with HAP coverage who are candidates for IVF can select a different medical plan during Open Enrollment to receive coverage of IVF in 2015.

For more information on the expanded coverage, see IVF Questions and Answers.

GradCare Co-pay Changes
Beginning January 1, 2015, GradCare medical co-pays and prescription drug plan co-pays will change.

  • Medical: No co-pays will be charged for preventive care. Primary care office visits and urgent care visits will be $25, specialty care office visits will be $30, and emergency room visits will be $100. Co-pays for ER visits will be waived whenever the patient is admitted to the hospital.

  • Prescription Drugs Co-pay Changes: The prescription drug co-pays for GradCare, GEO members, GSRAs, benefits-eligible fellowship holders, and medical school students will increase to $10 for tier 1 generic drugs, $20 for brand name tier 2 drugs, and $45 for brand name tier 3 medications. Union members should refer to their collective bargaining agreement for co-pay information.

Questions about benefits or Open Enrollment?

For answers to questions about benefits or Open Enrollment, call the SSC Contact Center at (734) 615-2000 or (866) 647-7657 (toll free) 8 a.m. - 5 p.m. Monday through Friday.


Benefits Plans You Can Change or Elect at Any Time

The following benefits plans that are not part of the Open Enrollment process and if eligible you may enroll or change your coverage at any time. To review your current benefits, log on to Wolverine Access and select Benefits Summary under Benefits on Self Service. If you are eligible, you may change or enroll in these plans at any time. The effective date of your enrollment or change and the paycheck in which the enrollment or change will take effect depends on the plan and when you complete enrollment. See the Benefits Office website for enrollment instructions.

Beneficiary Updates

While you are thinking about your benefits coverage, this may be a good time to review your beneficiary designations to make sure they are up to date. See Beneficiary for more information.






The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.