Retiree Health PPO Plan

The Retiree Health PPO Plan is available to retirees and their dependents who are not yet eligible for Medicare.

Visit our plan contacts page.

Looking for plan providers or health care providers?
Visit our plan contacts page for more information.

Monthly premiums

Your share of insurance premiums is determined by a formula that considers your age and years of service at retirement and the program under which your benefits are payable. If you are looking for an idea of what premiums would be for your particular circumstances, use the Retiree Insurance Premiums Estimator. For additional details, see the Summary Plan Description for the Retiree Health PPO Plan under the forms and guides section of this page.

Annual deductible

Retiree Health PPO Plan - Annual deductibles

Rx$75 per person covered by the plan.

Annual university contributions to health savings accounts

The university does not contribute to a health savings account (HSA) for retirees. Under the Healthy Savings Plan, which is the university’s only high-deductible health plan qualified by the IRS, you may open an HSA but the university will not make contributions to it if you are a retiree.

Out-of-pocket limit

The Retiree Health PPO Plan has two out-of-pocket limits: one for medical and a second for prescription drug costs.

Retiree Health PPO Plan - Annual out-of-pocket limits

Rx$3,250 per person for each person covered by the plan.

Prescription drugs

Retiree Health PPO Plan- Prescription drug out-of-pocket cost

Retail ($75 deductible)In-network: Greater of (after deductible):Out-of-network
Formulary generic$7 copay or 20% coinsurance50% coinsurance; minimum $30**
Formulary brand$15 copay or 25% coinsurance
Non-formulary brand$30 copay or 50% coinsurance
MaintenanceIn-network: Greater of:Out-of-network
Formulary generic$10 or 25% coinsurance50% coinsurance; minimum $30**
Formulary brand$20 or 30% coinsurance
Non-formulary brand$40 or 55% coinsurance
Mail-order*In-network: Greater of:Out-of-network
Formulary generic$15 or 20% coinsurance50% coinsurance; minimum $30**
Formulary brand$30 or 25% coinsurance
Non-formulary brand$60 or 50% coinsurance

* 90-day fill/refill at Mizzou pharmacies at same cost as mail-order.
** Member will pay difference between the non-participating and participating pharmacy charge.


In some cases, prior authorization is necessary for non-emergency use of certain facilties, diagnostic testing, and other health services before care is provided. The Retiree Health PPO Plan uses the same preauthorization list as the active-employee insurance plans.

Network providers

You may choose to visit either in-network or out-of-network doctors and other providers. Your costs will be lower, however, when you select in-network providers. Provider directories may be accessed on the plan contacts webpage.

Forms and guides

* In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.

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Reviewed July 30, 2019.