Retiree Annual Enrollment Letter 2025
April 7, 2025
Montana University System Benefit Plan Retiree Members
IMPORTANT: 2025 Annual Enrollment Benefit Plan and Premium Changes
The Montana University System Choices Benefit Plan (MUS Plan) is your self-insured employer sponsored plan covering over 16,000 MUS employees, retirees, COBRA enrollees and family members. The MUS Plan, funded by a combination of contributions as determined by the Montana Legislature and Plan member premiums, is responsible for providing health care coverage for you and your family members in accordance with state and federal laws.
During 2024, the MUS Plan saw a significant increase in health care costs and utilization. These increases are driving necessary benefit changes and premium increases. Beginning July 1, 2025, the MUS Plan will implement medical benefit adjustments and dental premium increases. Additionally, there will be increases to the diagnostic and preventive dental fee schedule amounts.
Retiree Select Plan dental premium changes are as follows:
| Select Plan | Premium through June 30, 2025 | Premium as of July 1, 2025 |
| Employee/Survivor Only | $52/month | $59/month |
| Employee & Spouse | $94/month | $106/month |
| Employee/Survivor & Child(ren) | $94/month | $106/month |
| Employee & Family | $156/month | $177/month |
Retiree medical benefit changes are as follows:
Deductible
| Benefit Description | Benefit through June 30, 2025 | Benefit as of July 1, 2025 |
| Increase In-Network Deductible | $1,250 (individual) / $2,500 (family) | $1,250 (individual) / $3,125 (family) |
| Increase Out-of-Network Deductible | $2,500 (individual) / $5,000 (family) | $2,500 (individual) / $6,250 (family) |
Out-of-Pocket (OOP) Maximums
| Benefit Description | Benefit through June 30, 2025 | Benefit as of July 1, 2025 |
| Increase In-Network OOP | $4,350 (individual) / $8,700 (family) | $4,500 (individual) / $11,250 (family) |
| Increase Out-of-Network OOP | $6,000 (individual) / $12,000 (family) | $6,750 (individual) / $16,875 (family) |
| Decrease MedicareRx (Medicare Part D) OOP | $2,150/individual | $2,100/individual |
Additional Benefit Enhancements
| Benefit Description | Benefit through June 30, 2025 | Benefit as of July 1, 2025 |
| Federally Qualified Health Center (FQHC) Visit |
N/A | $10 copay/visit (no deductible/coinsurance) |
| MDLIVE Virtual Visit (telemedicine) |
N/A | $10 copay/visit (no deductible/coinsurance) |
The 2025-2026 MUS Choices Annual Enrollment period will be from April 24 – May 15, 2025.
The MUS Benefits office will be providing a live, interactive MUS Choices Retiree Benefit Plan presentation on Tuesday, April 22nd at 1:00 p.m. (MST), which can be accessed online from the MUS Choices website. The recorded MUS Choices Retiree Benefit Plan presentation and the benefits slide presentation will be available on the MUS Choices website by April 26th for your convenience.
What do you need to do?
- If you are making benefit changes to your MUS Plan coverages for the 2025-2026 Plan Year, you must submit a hardcopy retiree enrollment form to your campus Benefits Representative by 5:00 p.m. (MST) on Thursday, May 15, 2025. If you disenroll from the Plan, you will not be able to return to the Plan in the future.
- If you do not want to make any changes to your current MUS Plan coverages, you do not need to submit a retiree enrollment form and will automatically be re-enrolled in your current benefits.
If you have questions, need additional information, or need to obtain a retiree enrollment form, we encourage you to contact your campus Benefits Representative or the MUS Benefits office at 1-877-501-1722.