Retired From UNI

A Defined Benefit Retirement Plan

UNI Retiree Benefits

In 2020 the University of Northern Iowa added an alternative Wellmark Blue Cross Blue Shield Medicare Group Program F medical plan for retirees. If you do NOT want to make any changes to your current plans, no action is needed. These new plans are an alternative to your current comprehensive health plan and you are not required to enroll.

Health Insurance

Quick Comparison of Plans for Retirees

January 1, 2024 - December 31, 2024

January 1, 2025 - December 31, 2025

Premiums, plan design, and plan options are subject to change annually on January 1.

UNI Comprehensive Health Insurance Plans ★

Wellmark Blue Cross Blue Shield Group Program F ★★

UNI PPO (Alliance Select)

UNI Blue Advantage (HMO)

Who is eligible?

Retirees at any age

Retirees at any age

Medicare eligible retirees

Type of Plan

Comprehensive

Comprehensive

Medicare medical supplemental

Coverage/Network

Nationwide

Iowa only

Nationwide

Deductible

$400 Single
$800 Family

$250 Single
$500 Family

$0 Single

Monthly Premiums

Single, Not Medicare Eligible

2024: $952
2025: $1,038

2024: $907
2025: $989

Not available

Retiree & Spouse, Not Medicare Eligible

2024: $2,182
2025: $2,379

2024: $1,976
2025: $2,154

Not available

Retiree & Spouse (1 Medicare Eligible, 1 Not Medicare Eligible)

2024: $2,182
2025: $2,379

2024: $1,976
2025: $2,154

Not available

Family

2024: $2,182
2025: $2,379

2024: $1,976
2025: $2,154

Not available

Single Medicare Eligible

2024: $952
2025: $1,038

2024: $907
2025: $989

2024: $231.90

Retiree & Spouse Medicare Eligible

2024: $2,182
2025: $2,379

2024: $1,976
2025: $2,154

2024: $231.90 each ($463.80 total)
2024: $244.80 each ($489.60 total)

Prescriptions

Included in plan and premium

Included in plan and premium

2024: $178.00 per person, additional cost
2025: $200.80 per person, additional cost

UNI sets the premiums based on claims costs. Effective January 1, 2024 for the UNI comprehensive health insurance plans, retiree and spouse Medicare eligible individuals will have the same premiums as a family plan.

★★ Wellmark sets the premiums. The benefit design of Group Program F is identical to an individual Medicare Supplement Plan F.

2024 UNI Retiree Presentation

Frequently Asked Questions

Ending UNI Retiree Comprehensive Health Insurance

  • You may end coverage at any time by completing the Health and Dental Form to waive coverage.
  • Coverage will end the last day of the month during the month you are ending coverage. New coverage will need to begin the 1st of the next month.
  • Once you end coverage you may not reenroll into the UNI plans at a later date.
  • If you end coverage, coverage on spouses and dependents will end at the same time.

Making Changes to Your Plans

UNI Retirees may change their plans as well as add/remove qualified family members due to any life event or open enrollment which happens each fall. Examples of life events may be:

  • retiree becomes Medicare-eligible
  • spouse gains coverage
  • spouse loses coverage
  • marriage
  • divorce
  • death

Your Insurance Plan Contacts in Retirement

Wellmark Blue Cross and Blue Shield

  • HMO & PPO: 1-800-381-0214 
  • Program F: 1-800-245-6106 
  • PDP: 1-800-838-3827

https://www.wellmark.com

Dental Insurance

UNI Sponsored Dental Insurance Options

UNI retirees may be enrolled in one of two UNI sponsored dental plans:

  1. UNI Dental Plan 1 (Grandfathered plan, no new enrollments accepted)
  2. UNI Dental Plan 2

UNI Sponsored Dental Insurance:

Individual Dental Insurance

Many insurance companies offer individual insurance plans for retirees. You may:

  1. Contact a local insurance agent for plan recommendations.
  2. Ask your dental provider who they recommend for a plan.

Ending UNI Sponsored Retiree Dental Insurance

  • You may end coverage at any time by completing the Health and Dental Form to waive coverage.
  • Coverage will end the last day of the month during the month you are ending coverage. New coverage will need to begin the 1st of the next month.
  • Once you end coverage you may not reenroll into the UNI plans at a later date.
  • If you end coverage, coverage on spouses and dependents will end at the same time.

Making Changes to Your Plans

UNI Retirees may change their plans as well as add/remove qualified family members due to any life event or open enrollment which happens each fall. Examples of life events may be:

  • spouse gains coverage
  • spouse loses coverage
  • marriage
  • divorce
  • death

Emeritus Status

Administrators, Faculty and P&S Employees

Emeritus applications are completed on paper after you have retired from UNI. To obtain a Emeritus application please call Human Resources at 319-273-2423.

  • Administrators, Faculty and P&S employees who have 20 or more years of creditable service in higher education may apply for Emeritus Status.
  • Faculty must have at least 10 years of meritorious service with UNI.

For more information, view the Emeritus Policy and if interested, contact Human Resources at 319-273-2423 or via email at hrs-benefits@uni.edu.

Retirement Plans

UNI Sponsored Retirement Resources

TIAA Logo

800-842-2252

IPERS logo

800-622-3849

Retirement Tax Law

Consult with your tax advisor regarding regulatory changes to retirement plan savings and distributions. Iowa House File 2317 provides tax relief for certain retirement incomes as well as other income tax bracket adjustments. Now is a great time to meet with your financial advisor, or an IPERS or TIAA consultant, to see how the changes may impact your income and savings plans. An online request for tax guidance is also available through the Iowa Department of Revenue.

‌Wherever conflicts occur between the contents of this site and the contracts, rules, regulations, or laws governing the administration of the various programs, the terms set forth in the various program contracts, rules, regulations, or laws shall prevail. Space does not permit listing all limitations and exclusions that apply to each plan. Before using your benefits, review the plan's coverage manual. Benefits provided can be changed at any time without the consent of participants.