Important Notice
Health Alliance health plans will remain a viable coverage option through December 31, 2025.
After this date, these plans will no longer be available. Please plan accordingly and explore alternative coverage options in advance. More information to come later this summer.
2025 Medicare Advantage Plan Offerings (For Reference Only)
In 2025, University of Iowa retirees were offered two Medicare Advantage plans with Part D, administered by Health Alliance. These plans provided comprehensive coverage and access to a broad network of doctors, hospitals, and clinics.
Note: Health Alliance will no longer offer retiree Medicare Advantage plans after December 31, 2025, as the company will cease operations. This information is retained for comparison and historical reference only.
2025 Health Alliance HMO and PPO Comparison (For Reference Only)
Please note: Health Alliance will no longer offer retiree Mediare Advantage plans after December 31, 2025, due to the company ceasing operations. As a result, these plans will not be available for enrollment in 2026 and beyond.
For reference and comparison purposes, the two Medicare Advantage plans previously available to UI retirees in 2025 were the Health Alliance HMO Rx Plus plan and a custom Health Alliance PPO Rx plan. These plans were designed to closely match the benefits of UIChoice and UISelect. Coverage under these plans qualified as Qualifying Health Coverage (QHC) and satisfied the Patient Protection and Affordable Care Act's (ACA) individual shared responsibility requirement.
| Plan Provision | Health Alliance HMO Rx Plus | Health Alliance PPO Rx |
|---|---|---|
| Definition of HMO and PPO | Health Management Organization (HMO): personal care from a set network. You'll need a PCP to manage your care and refer you to a specialist. You must go to certain doctors and hospitals, unless it's an emergency/urgent care. | Preferred Provider Organization (PPO): This plan also allows you to visit certain doctors and hospitals, and you have the freedom to go out-of-network. However, you will pay less if you go to in-network doctors and hospitals. |
| Premiums | $60/month | $320/month |
| Out-of-Pocket Max | $4,000 | $2,000; combined in-network/out-of-network |
| Deductible | $0 | $0; both in-network/out-of-network |
| Primary Care and Specialist Care Visit | $10 copay primary; $35 copay Specialist | $5 copay in-network, 40% coinsurance out-of-network for both primary and specialist visits |
| Emergency Room | $90 copay | $50 copay + 10% coinsurance in-network/out-of-network |
| Urgent Care | $55 copay | $5 copay in-network; 40% coinsurance out-of-network |
| Inpatient Hospital | $280/day (days 1-7); $0/day (days 8+) | 10% coinsurance in-network; 40% coinsurance out-of-network |
| Outpatient Hospital | $275 copay | 10% coinsurance in-network; 40% coinsurance out-of-network |
| Ambulance | $275 copay | 10% coinsurance in-network; 40% coinsurance out-of-network |
| Diagnostic Tests, X-rays, Labs & Radiology | 20% coinsurance | 10% coinsurance in-network; 40% coinsurance out-of-network |
Coverage for Dependents (2025 Plans - For Reference Only)
Important Notice: Health Alliance retiree Medicare Advantage plans will no longer be available after December 31, 2025, as the company will cease operations. The information below is provided for historical and comparison purposes only.
In 2025, retirees were allowed to cover dependents under age 65 on their Health Alliance plan if the dependent was enrolled in both Medicare Parts A and B.
Examples of eligible dependents included:
- A dependent child over age 26 who is disabled and enrolled in both Medicare Parts A & B
- A spouse or domestic partner who is disabled, under age 65, and enrolled in both Medicare Parts A & B