UT Benefits Rates for Employees & Retirees
The 2024-2025 benefits plan year began on September 1, 2024.
The out-of-pocket premium cost of full-time, benefits-eligible employee only and retiree only medical coverage (for UT SELECTTM and UT CARETM) continues to be $0, with the full premium paid through state and institutional funds.
The chart below is for medical, dental, and vision plan rates for employees and retirees. Scroll down the page for a link to medical, dental, and vision rates for surviving dependents as well as rates applicable for other coverages available to employees and retirees.
It's important to note that age and salary-based premiums (for life and disability coverages) may change at the start of a plan year depending on your individual age and salary amount as of September 1 each plan year.
| PLAN YEAR 2024-2025 | EMPLOYEE/RETIREE | EMPLOYEE/RETIREE SPOUSE | EMPLOYEE/RETIREE CHILD(REN) | EMPLOYEE/RETIREE FAMILY |
|---|---|---|---|---|
| UT SELECT Medical Full-time & Retirees | $0 | $335.94 | $351.36 | $661.56 |
| UT SELECT Medical Part-time Employees | $390.12 | $930.54 | $872.30 | $1,388.22 |
| UT CARE** Medicare PPO Retirees & Surviving Spouses | Review rates on the UT CARE Medicare PPO page. | |||
| UT SELECT Dental | $28.52 | $54.14 | $59.66 | $84.84 |
| UT SELECT Dental Plus | $61.40 | $116.60 | $128.66 | $183.30 |
| Delta Dental HMO | $8.71 | $16.56 | $18.31 | $26.14 |
| Superior Vision | $5.02 | $7.90 | $8.10 | $12.84 |
| Superior Vision Plus | $7.64 | $11.98 | $12.82 | $18.10 |
| Tobacco Premium Program | $0 to $90 per month based upon tobacco user status | |||
Basic Coverage package for Employees includes medical, prescription, $50K Basic Life, and $50K Basic AD&D.
Basic Coverage package for Retirees includes medical, prescription, and $10K Basic Life.
Surviving Dependent Premium Rates for Medical, Dental, and Vision Coverage
Voluntary Group Term Life Rates
Please be sure to review the rate associated with your age as of September 1 of the plan year.
| EMPLOYEE/RETIREE RATE CHART | |
|---|---|
Age of Subscriber | Rate per $1,000 Coverage |
| 15 - 34 | $0.035 |
| 35 - 39 | $0.045 |
| 40 - 44 | $0.059 |
| 45 - 49 | $0.092 |
| 50 - 54 | $0.142 |
| 55 - 59 | $0.221 |
| 60 - 64 | $0.345 |
| 65 - 69 | $0.616 |
| 70 - 74 | $0.713 |
| 75 - 79 | $0.884 |
| 80 and over | $1.549 |
Enrollment in any amount of Spouse or Dependent Voluntary Group Term Life coverage (VGTL) requires that the Employee or Retiree be enrolled in VGTL.
Enrollment in Employee Spouse VGTL at the levels shown in the table below requires enrollment in $10,000 Spouse & Dependent VGTL coverage, which is available at a monthly premium cost of $2.87 (regardless of the age of the spouse or the number of dependent children being covered).
Retiree Spouse VGTL coverage is available in the amount of $3,000 at a monthly premium cost of $1.83.
| EMPLOYEE SPOUSE RATE CHART | |
|---|---|
Age of Spouse | Rate per $1,000 Coverage (available coverage amounts are $15,000 and $40,000) |
| 15 - 24 | $0.053 |
| 25 - 29 | $0.054 |
| 30 - 34 | $0.057 |
| 35 - 39 | $0.072 |
| 40 - 44 | $0.101 |
| 45 - 49 | $0.154 |
| 50 - 54 | $0.241 |
| 55 - 59 | $0.376 |
| 60 - 64 | $0.574 |
| 65 - 69 | $0.857 |
| 70 - 74 | $1.167 |
| 75 - 79 | $1.446 |
| 80 and over | $2.536 |
Other Premium Rates
VOLUNTARY ACCIDENTAL Employees Only | SHORT-TERM & LONG-TERM Employees Only | |
|---|---|---|
| Monthly Premium Rate | Monthly Premium Rates | |
| $0.12 per $10,000 coverage | Short Term Disability | $0.30 per $100 of monthly income |
| Long Term Disability | $0.34 per $100 of monthly income | |
