Skip to main content

Insurance Benefits for Retirees

As a Northwestern University retiree, you may enroll in the following medical, dental, and/or vision plan(s). Review the benefit options below and enroll in the plan(s) that are right for you. Once you have reviewed the plan options below, please review the retirement process for information on how to enroll. 


Retiree medical options 

UnitedHealthCare Medicare Advantage 

The University offers a Group Medicare Advantage (MA) Plan through UnitedHealthcare.  The MA plan will be in addition to the current retiree medical options.  Some features of the MA plan are: 

Please contact United Healthcare at 1-877-714-0178 to find out more about this new plan or to enroll. 

UnitedHealthCare Medicare Supplement Plans 

UnitedHealthCare offers a Medicare supplement plan and Medicare Part D prescription plan with many options with varying premiums. Premiums are based on your zip code, age, gender, and the plan you choose. Contact United Healthcare directly to learn more about your options. You can call them at (866) 425-6523 or visit their website. 

Retiree BCBS HMO Illinois 

The BlueCross BlueShield (BCBS) HMO Illinois network includes, but is not limited to, St. Francis, NorthShore University Health System and Advocate-Lutheran General. Northwestern Memorial Hospital is not part of the HMO IL network. Complete benefit information is available in the HMO Illinois Certificate of Coverage and the Summary of Benefit Coverage (SBC).  

Retiree BCBS PPO Premier 

The BCBS PPO Premier plan gives you the flexibility to choose any doctor/hospital that you wish without requiring a primary care physician (PCP) or referrals. If you choose a BlueCross doctor, you will be charged the in-network rates. If you see Northwestern Medicine doctors, the discount on services is even higher. Complete benefit information is available in the Retiree PPO Premier Booklet and the Summary of Benefit Coverage (SBC). 

Retiree dental options 

Dearborn National PPO Dental Plan 

The Dearborn National PPO is a dental plan covering comprehensive care for members. Complete benefit information is available in the Dearborn National Booklet . Members may receive care from any licensed dentist, but benefits are higher if the care is provided by a Dearborn National network dentist. 

Guardian First Commonwealth HMO Dental Plan 

The Guardian First Commonwealth HMO is a dental maintenance organization (DMO) that provides dental care from a network of dentists and generally emphasizes preventative services. The plan covers eligible services at 100% minus a specified copayment. A complete listing of eligible services and copayments is available in the Schedule of Member Payment Responsibilities. Guardian only covers dental care services which are authorized in advance by an individual's primary care dentist. Enrollment in Guardian requires the designation of a primary care dentist. To change your primary care dentist after initial enrollment, contact Guardian directly. 

Retiree vision option 

Northwestern is part of the Insight network through EyeMed. Discounts are higher when you go to a eyecare provider who is part of the Insight network. Visit the EyeMed website or contact customer service at 866-804-0982 to find vision care providers. Reference the group number 9798836 for retirees. Your individual ID number is your Northwestern University employee ID number.