Retirees under the age of 65 who are Medicare ineligible may enroll in the Blue Cross Blue Shield Open PPO 1 Plan (BCBS).

• Blue Cross Blue Shield Open Access Plan - Summary of Benefits (PDF)
• Blue Cross Blue Shield Open Access - Summary Plan Description (PDF)

For retirees eligible for post-retirement medical benefits, the total monthly premium is shared between you and UVM. Each retiree has a different cost share percentage that is applied to the total monthly premium.

How to calculate your monthly premium

For retirees or dependents aged 64 or under, the total monthly premium in 2025 for an individual on Blue Cross Blue Shield is $1,380.19. To determine your cost share for medical insurance coverage, multiply the total monthly premium by your cost share percentage.

Example Calculation: If your cost share is 22%, that means UVM pays 78% of the total monthly premium. You would do the following calculation:

$1,380.19 × 0.22 = $303.64 per month

What's changing for 2026?

Premiums will increase by 5% in 2026.

UVM handles the billing and accounting for all retiree healthcare premium invoices and bills on a monthly basis. If you are able, UVM strongly encourages you to pay 6 to 12 months in advance. If you do, you will not receive a monthly invoice until your credit balance is fully used.

There are two ways to make a payment:

Mail a check: Personal, cashier, certified, money orders, or traveler's checks made payable to UVM with your ID (95 number) included in the memo may be mailed to: UVM P.O. Box 1306 Williston, VT 05495

Automatic bank withdrawals: If your bank has an electronic bill paying service, you may wish to set up your bank account to make automatic payments to UVM for your healthcare premiums on a certain date. There is processing time on the bank’s side that should be taken into consideration when choosing the payment date. Automatic payments are typically the easiest and safest way to ensure that your bill gets paid. Many banks offer this service for free.

What you need to provide your bank:

1. Payee Name: University of Vermont
2. Mailing Address: UVM, P.O. Box 1306, Williston, VT 05495
3. Student ID #: This is a nine-digit number that begins with “95”.
   1. This ID# needs to be indicated on all payments in order for it to be credited to your account.
4. The date you want the bill paid each month.

Please note: At this time, UVM has no way to set up a monthly debit to withdraw funds from your account.

Complete the enrollment/change form to enroll or opt-out of the BCBS plan. You are eligible to enroll in this plan if you are under the age of 65 and if you experience a qualifying life event. You are eligible to opt-out if you are turning 65 years old or if you experience a qualifying life event.

• Blue Cross Blue Shield VT Medical Enrollment/Change Request Form (PDF)