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Medicare Health Plans

For Medicare-eligible retirees

We provide University-sponsored Medicare Marketplace through Via Benefits for retirees over age 65. If you’re not medicare-eligible, reference our Health Care Rates page for more information.

Via Benefits offers a greater number of personalized health plans from multiple insurance companies in the geographic areas of our retirees.

This approach comes with several advantages, including:

  • Expert advice from licensed Medicare specialists year-round
  • A Health Reimbursement Arrangement (HRA) fund
  • More individualized coverage
    • Retirees will have many choices in plans, carriers, and price points.  Plans can be individualized to suit retiree needs best.
    • Retirees will be able to select Original Medicare Parts A & B and additional Coverage which includes Medicare Advantage (Part C), Medicare Supplement (Medigap), and Prescription Drug (Part D).
    • There are many carriers to choose from as well.  Some of these include AARP, United HealthCare, Aetna, Excellus BlueCross BlueShield, MVP, Humana, Express Scripts, Silver Script, and Well Care.


Reach out to Via Benefits for support

Licensed benefit advisors from Via Benefits are able to evaluate and recommend personalized enrollment options, help with claims resolution and additional ongoing support.

Phone: (833) 945-1110

Health Reimbursement Arrangement (HRA)

This section provides in-depth information about HRAs, including funding details.

About HRAs

An HRA is a tax-favored health reimbursement arrangement used to reimburse eligible health care expenses, up to an annual maximum amount.

The University of Rochester’s retiree health plan includes an HRA that will reimburse Medicare-eligible Participants for Medicare medical, prescription drug, dental and vision qualified premiums, up to an annual maximum amount.

A retiree and his or her spouse who are both Medicare-eligible Participants will be eligible for an annual maximum HRA reimbursement amount that can be used to reimburse eligible medical premiums incurred by either participant.

If an enrolled Medicare-eligible Participant has not incurred sufficient qualified plan premium expenses, or has not been reimbursed up to the annual maximum reimbursement amount for the Plan Year, the remaining HRA balance will be carried forward to the following Plan Year.

University HRA contribution reference

All funding amounts are listed annually.

Legacy 3R Retiree (Retiree Eligible as of 1/1/1996)
University Subsidy
Single (O65) $2,400
Family (O65) $4,800
Surviving Spouse (O65) $2,400
Legacy 4R Retiree (Hired before 1/1/1996)
University Subsidy
Single (U65) $1,200
Family (U65) $2,400
Surviving Spouse (U65) Access to plans only
Single (O65) $2,400
Family (O65) $4,800
Surviving Spouse (O65) Access to plans only
Retirees Hired after 1/1/1996
University Subsidy
Single (U65) $1,200
Family (U65) $1,200
Surviving Spouse (U65) Access to plans only
Single (O65) $2,400
Family (O65) $2,400
Surviving Spouse (O65) Access to plans only

If one spouse is Medicare eligible and one spouse is non-Medicare eligible, please email for more details.

*For non-Medicare eligible plans, the subsidy amount will be taken off of the U of R bill. It will not be in the form of an HRA.

Contributions will be reduced for those that retired with part-time eligibility.

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