About Retiree Health Coverage
While working at the university, you help to improve our students’ mind and spirit through the development and dissemination of knowledge. As part of rewarding your dedication and service, you may be eligible to continue coverage under certain university benefit plans when you retire.
Eligibility
You are eligible for retiree benefits if, when you retire, you meet the requirements of the 10-70-10 Rule or the 5-65-5 Rule, described below.
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10-70-10 Rule |
5-65-5 Rule |
| Definition |
- Employed by the university for 10 consecutive years in a benefits-eligible position; and
- Age + continuous years of service = at least 70; and
- Participated in the applicable benefit plans for the past 10 consecutive years before retirement.
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- Retiring January 1, 2017 or later; and
- Employed by the university for five consecutive years in a benefits-eligible position; and
- Age 65 or older at retirement; and
- Participated in the applicable benefit plans for the past 5 consecutive years before retirement.
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| Retiree Coverage |
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Benefit Plans
If you meet eligibility requirements, you can continue certain benefits in retirement. You may select continued coverage under just one or both benefit plans.
- Medical
- If you are a non-Medicare-eligible retiree: Continue active employee coverage under ONLY the Classic Plan through UMR
- If you are a Medicare-eligible retiree: Enroll in the University of Arkansas UnitedHealthcare Medicare Advantage Plan
- Dental
Enrollment
Schedule to meet with a human resources representative at least three months before your planned retirement date to discuss your options.
2025 Cost of Coverage
As a retiree, you pay 100% of the retiree benefit plan premium rate shown below. These rates are subject to change and may be different when you retire. A split family occurs when some of the covered family members are eligible for Medicare (enrolled in the UnitedHealthcare Medicare Advantage Plan) and some are not (enrolled in the Classic Plan).
| Benefit |
Coverage Level |
Monthly Premium |
| Classic Plan (Non-Medicare-Eligible Medical Coverage) |
Retiree Only
Surviving Spouse or Child
Split Family Spouse
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$532
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Retiree + Spouse
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$1,208
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Retiree + Child(ren)
Surviving Spouse and Children / Surviving Children
Split Family Spouse and Children / Split Family Children
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$990
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Retiree + Family
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$1,678
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| University of Arkansas UnitedHealthcare Medicare Advantage Plan |
Per Person
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$199.16
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| Dental Coverage |
Single Adult
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$33.00
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Two Adults
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$68.00
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Adult + Child(ren)
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$57.00
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Two Adults + Child(ren)
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$92.00
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| Vision Coverage |
Single Adult
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$9.48
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Two Adults
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$18.74
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Adult + Child(ren)
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$18.37
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Two Adults + Child(ren)
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$27.92
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Non-Medicare-Eligible Medical Coverage
Here’s what you’ll pay for covered services under the Classic Plan. The Classic Plan offers only in-network coverage (except in case of emergency).
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Annual Deductibles
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Individual
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$1,350
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Family
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$2,700
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Annual Out-of-Pocket Maximums
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Individual
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$5,250
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Family
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$10,500
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Medical Services
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Coinsurance
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25% after deductible
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PCP Visit
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$35 copay
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Specialist Visit
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$55 copay
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Preventive Care
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$0
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Diagnostic Lab In Office
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25% after deductible
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Urgent Care
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$55 copay
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Emergency Room
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25% after deductible, and $350 copay (waived if admitted)
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Ambulance
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$100 copay (waived if admitted)
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Advanced Imaging*
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25% after deductible, and $150 copay
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Outpatient Surgery
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25% after deductible, and $160 copay
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Inpatient Services**
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25% after deductible, and $300 copay
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Speech, Occupational and Physical Therapy (30-visit combined maximum)
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25% after deductible, and $55 copay
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Routine Vision Exam
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$35 copay
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Hearing Exam
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PCP: $35 copay
Specialist: $55 copay
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Hearing Aids (benefit is per ear every three years)
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$3,000 allowance
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Prescription Drug Annual Out-of-Pocket Maximum
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Individual
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$1,800
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Family
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$3,600
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*Prior authorization required.
**Includes semi-private room and board, intensive care room and board, ancillary charges and maternity inpatient charges.
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Medicare
If you are a Medicare-eligible retiree, you and your Medicare-eligible spouse must enroll in Medicare Parts A and B to participate in the University of Arkansas UnitedHealthcare Medicare Advantage Plan. Contact the Social Security Administration three months before your 65th birthday to initiate Medicare enrollment.
Use the UnitedHealthcare Pharmacy Search tool to find an in-network pharmacy in your area.
Medicare Counseling
The Senior Health Insurance Information Program (SHIIP) is a division of the Arkansas Insurance Department. It provides free, one-on-one counseling, education and information about Medicare.
SHIIP helps you apply for Medicare subsidy programs like Medicare Savings Programs and Extra Help, and recruits and trains a volunteer network throughout the state to provide in-person information, assistance and presentations. It also helps at community events and health fairs. Call 800-224-6330 or 501-371-2782 for additional information.
Retiree Vision Benefits
When you first retire from the university, you'll have the option to enroll in university-sponsored retiree vision benefits administered by EyeMed. As a retiree, you can enroll in the Enhanced Vision Plan — the same Enhanced Vision Plan available to active employees.
To learn about what’s covered, visit the EyeMed website.
Let’s Move Program
As a retiree, you have access to the Let’s Move program through UnitedHealthcare at no additional cost! Let’s Move helps you keep your mind, body and social life active through self-support, virtual and in-person activities. These activities and resources include:
- Nutritional articles, recipes and cooking tutorials
- Fitness classes/demonstrations and challenges
- Mental health support services
- Volunteer opportunities and events
- Financial education and literacy webinars
- Caregiver resources
To learn more about the Let’s Move program, visit retiree.uhc.com.
