Retiree Benefits

Upon retirement, UVM offers medical and dental insurance benefits to eligible retirees. Learn more about your medical and dental coverage, how to make payments, and open enrollment.

NOTICE: UVM will be conducting a review of all dependents currently enrolled on Medical and Dental plans from July 7 - August 29, 2025. Please watch for emails and printed mailers from WTW for details. Review announcement & translations.

2025 Medical (Aged 65+): Vermont Blue Advantage

VBA Plan Information

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Plan Information

Retirees aged 65+ are Medicare eligible and may enroll in Vermont Blue Advantage PPO (VBA) for comprehensive medical insurance. To enroll, retirees must be enrolled in Medicare Part A and Part B. The Vermont Blue Advantage PPO (VBA) offers medical coverage, as well as prescription drug coverage through Optum Rx®, vision coverage through VSP®, and hearing coverage through NationsHearing®.

Additional Resources:

VBA Medical Premium

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How to Calculate Your Medical Premium 

The total monthly premium is the amount shared between both you and UVM. Each retiree has a different cost share percentage that is applied to the total monthly premium calculate your specific cost. 

  • For retirees or dependents aged 65+, the total monthly premium for an individual on Vermont Blue Advantage plan is $414.00.

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%, you would do the following calculation:
    • Aged 65+ (Vermont Blue Advantage): $414.00 × 0.22 = $91.08 per month

VBA Reimbursement Forms

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Reimbursement Forms

Vermont Blue Advantage utilizes different forms for reimbursement, depending on the care you received. When seeking reimbursement, please choose the appropriate form below.

VBA Coverage Change Form

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Coverage Change Forms

How to enroll: You are eligible to enroll in VBA if you are turning 65 years old or if you experience a qualifying life event. To enroll, complete and return the Vermont Blue Advantage Enrollment Form

How to opt-out: You are eligible to opt-out if you experience a qualifying life event. To opt-out, complete and return the Vermont Blue Advantage Opt-Out Form.

2025 Medical (Aged 64<): Blue Cross Blue Shield

BCBS Plan Information

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Plan Information

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

BCBS Medical Premium

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How to Calculate Your Medical Premium 

The total monthly premium is the amount shared between both you and UVM. Each retiree has a different cost share percentage that is applied to the total monthly premium calculate your specific cost. 

  • For retirees or dependents aged 64 or under, the total monthly premium 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%, you would do the following calculation:
    • Aged 64 and under (Blue Cross Blue Shield): $1,380.19 × 0.22 = $303.64 per month

BCBS Coverage Change Form

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Coverage Change Form

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 are turning 65 years old or if you experience a qualifying life event.

2025 Dental: Delta Dental

Dental Plan Information

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Plan Information

The University of Vermont offers two levels of dental coverage through Delta Dental to eligible retirees, base option and high option.

Dental Premiums

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Monthly Dental Premiums

  1. Base Option - No cost for most retirees.
  2. High Option - If applicable, United Academics retirees may be responsible for paying 10% of the Base coverage cost and a High Option premium (if enrolled).*
Plan OptionEmployeeEmployee + SpouseEmployee + ChildrenEmployee + Family
Base Option$0$0$0$0
High Option$10.75*$21.29*$23.31*$34.55*

How to Make a Payment

Set-up your payment method.

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How to Make a Payment

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”.

a. 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.

New Contact Information?

Please let us know if you have moved or if your contact information has changed.

Questions about your benefits?

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If you need more information or additional support, please contact the HR Info team at HRInfo@uvm.edu or (802) 656-3150.