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Retiree Medical Rates
Clerical & Technical, Service & Maintenance, and Security Staff - Hired prior to 1/20/2013
2025 Pre-65 Plans (Yale Health and Aetna plans) Monthly Contribution Examples
Based on 20 years of service at retirement
| Coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $35 | $250 | $366 | $118 - $205 |
| Retiree and Spouse | $74 | $526 | $678 | $242 - $560 |
Based on 10 -19 years of service at retirement
| Coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $272 | $495 | $724 | $276 - $346 |
| Retiree and Spouse | $572 | $1,039 | $1,447 | $576 - $831 |
2025 Post-65 Plans (Aetna Medicare plans) Monthly Contribution Examples
Based on 20 years of service at retirement
| Coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $0 | $65 | $0 |
| Retiree and Spouse | $0 | $130 | $0 |
Based on 10 -19 years of service at retirement
| Coverage Tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $62 | $131 | $67 |
| Retiree and Spouse | $124 | $261 | $133 |
Clerical & Technical, Service & Maintenance, and Security Staff – Hired 1/20/2013 or later*
2025 Pre-65 Plans (Yale Health and Aetna plans) Monthly Contribution Examples
Based on Age 60 or older at retirement
Based on 30 or more years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $35 | $250 | $366 | $118-$205 |
| Retiree and Spouse | $74 | $526 | $678 | $242-$560 |
Based on 25 – 29 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $153 | $373 | $545 | $197-$276 |
| Retiree and Spouse | $323 | $783 | $1,063 | $409-$695 |
Based on 20 – 24 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $272 | $495 | $724 | $276-$346 |
| Retiree and Spouse | $572 | $1,039 | $1,447 | $576-$831 |
Based on 15 – 19 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $628 | $862 | $1,260 | $514-$558 |
| Retiree and Spouse | $1,319 | $1,809 | $2,601 | $1,077-$1,236 |
Based on 10 – 14 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $865 | $1,106 | $1,618 | $673-$699 |
| Retiree and Spouse | $1,817 | $2,323 | $3,370 | $1,411-$1,507 |
Based on less than Age 60 at retirement
Based on 30 or more years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $35 | $250 | $366 | $118-$205 |
| Retiree and Spouse | $74 | $526 | $678 | $242-$560 |
Based on 25 – 29 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $391 | $617 | $903 | $356-$417 |
| Retiree and Spouse | $821 | $1,296 | $1,832 | $743-$966 |
Based on 20 – 24 years of service at retirement
| coverage tier | Yale Health | Aetna Select | Legacy Aetna Choice | Aetna Smart Care |
|---|---|---|---|---|
| Retiree | $628 | $862 | $1,260 | $514-$558 |
| Retiree and Spouse | $1,319 | $1,809 | $2,601 | $1,077-$1,236 |
2025 Post-65 Plans (Aetna Medicare plans) Monthly Contribution Examples
Monthly Rate
Based on 30 or more years of service at retirement
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $0 | $65 | $0 |
| Retiree and Spouse | $0 | $130 | $0 |
Based on 25 – 29 years of service at retirement
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $31 | $98 | $33 |
| Retiree and Spouse | $62 | $195 | $67 |
Based on 20 – 24 years of service at retirement
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $62 | $131 | $67 |
| Retiree and Spouse | $124 | $261 | $133 |
Based on 15 – 19 years of service at retirement
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $156 | $229 | $166 |
| Retiree and Spouse | $311 | $458 | $333 |
Based on 10 – 14 years of service at retirement
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $218 | $295 | $233 |
| Retiree and Spouse | $436 | $590 | $466 |
* These are estimated rates based on the current terms of Yale’s retiree health plan. When you retire, your monthly retiree contribution rates will be available only from bswift at the time of your retirement and will be determined based on verification of your relevant demographic information and plan terms in effect at that time. Yale reserves the right to amend, modify or terminate its benefits plans in any respect and at any time, including the right to change retiree contribution rates for retiree health plan coverage. ** Actual monthly premiums vary and are based on years of service and salary at the time of retirement.
2025 Dental Rates (must be enrolled in Dental coverage at time of retirement)
| COVERAGE tier | MONTHLY RATES |
|---|---|
| Retiree | $39 |
| Retiree + 1 | $77 |
| Retiree & Family | $116 |
Faculty and Managerial & Professional Staff
2025 Pre-65 Plans (Yale Health and Aetna plans) Monthly Contribution Examples
Based on 30 years of service at retirement and salary at retirement**
| coverage tier | Yale Health | Aetna Smart Care | Aetna Choice | Legacy Aetna Choice |
|---|---|---|---|---|
| Retiree | $133 - $224 | $118 - $205 | $292 - $358 | $471 - $621 |
| Retiree & Spouse | $332 - $692 | $242 - $560 | $616 - $945 | $926 - $1,433 |
Based on 20 years of service at retirement and salary at retirement**
| coverage tier | Yale Health | Aetna Smart Care | Aetna Choice | Legacy Aetna Choice |
|---|---|---|---|---|
| Retiree | $422 - $483 | $382 - $440 | $642 - $686 | $876 - $976 |
| Retiree and Spouse | $922 - $1,162 | $799 - $1,011 | $1,351 - $1,570 | $1,797 - $2,136 |
Based on 15 years of service at retirement and salary at retirement**
| coverage tier | Yale Health | Aetna Smart Care | Aetna Choice | Legacy Aetna Choice |
|---|---|---|---|---|
| Retiree | $567 - $613 | $514 - $558 | $817 - $851 | $1,078 - $1,154 |
| Retiree and Spouse | $1,217 - $1,397 | $1,077 - $1,236 | $1,718 - $1,883 | $2,233 - $2,487 |
2025 Post-65 Plans (Aetna Medicare plans) Monthly Contribution Examples
Based on 30 years of service at retirement and salary at retirement*
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $0 | $62 | $2 |
| Retiree and Spouse | $90 - $175 | $235 - $320 | $114 - $199 |
Based on 20 years of service at retirement and salary at retirement*
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $88 | $170 | $110 |
| Retiree and Spouse | $249 - $306 | $413 - $470 | $292 - $349 |
Based on 15 years of service at retirement and salary at retirement*
| coverage tier | Aetna Medicare Choice ESA PPO | Aetna Medicare Legacy ESA PPO | Aetna Medicare PPO |
|---|---|---|---|
| Retiree | $142 | $224 | $163 |
| Retiree and Spouse | $338 - $381 | $503 - $545 | $382 - $424 |
2025 Dental Rates (must be enrolled in dental coverage at time of retirement)
| COverage tier | MONTHLY RATES |
|---|---|
| Retiree | $59 |
| Retiree +1 | $119 |
| Retiree & Family | $184 |
* These are estimated rates based on the current terms of Yale’s retiree health plan. When you retire, your monthly retiree contribution rates will be available only from bswift at the time of your retirement and will be determined based on verification of your relevant demographic information and plan terms in effect at that time. Yale reserves the right to amend, modify or terminate its benefits plans in any respect and at any time, including the right to change retiree contribution rates for retiree health plan coverage.
** Actual monthly premiums vary and are based on years of service and salary at the time of retirement.