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Retirees are not restricted to an annual benefit open enrollment period. You can make a change to your state-
sponsored retiree health, prescription drug, dental, or vision insurance plans at any time. As a reminder, if you
wish to make a plan change that will be effective January 1st of the upcoming year, you must initiate contact
with ORS no later than November 30th of the current year.
Prior to making a change in your current state-sponsored retiree health, prescription drug, dental, or vision
insurance plans, we recommend that you review the benefit coverage of all carriers that you are eligible to
enroll in. This will ensure that you are making the best coverage decision for your healthcare needs.
If you are currently enrolled but wish to make changes to your state-sponsored retiree health, prescription drug,
dental, or vision insurance plans, go to www.mi.gov/orsmiaccount to log in to your miAccount, or use the
Insurance Enrollment/Change Request form available on the ORS website at www.mi.gov/ors. Simply select
your retirement system, go to the Forms and Publications page, and print the form.
Send the completed form and required proofs
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to ORS by fax at 517-284-4416 or by mail at:
Office of Retirement Services
P.O. Box 30171
Lansing, MI 48909
If you are considering changing to an HMO plan, please remember that HMO plan availability is based on
location. Visit the Employee Benefits Division website at www.mi.gov/employeebenefits, select Insurance
Plans from the navigation on the left, then click the HMO Zip Code Tool icon.
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Explanation of proofs can be found on Page 3 of the Insurance Enrollment/Change Request form.
The effective date for plan changes can vary depending on the change being made.
New Enrollments. Changes to enrollments or new enrollments that occur later than the month you terminate
employment normally take effect the first day of the sixth month after ORS receives your enrollment form and
all required proofs.
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Loss of Coverage. Coverage can begin sooner when you or a dependent has an involuntary loss of other group
coverage or a change in your family status (e.g., marriage, death, divorce). Be sure to send ORS your completed
insurance enrollment online at www.mi.gov/orsmiaccount or an Insurance Enrollment/Change Request form,
along with proof of your loss of coverage within 30 days of the event. If anyone being added has Medicare,
coverage will take effect the first day of the second month after ORS receives your request and all required
proofs.
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Otherwise, coverage will take effect the first day of the month after ORS receives your request and all
required proofs.
Plan Change. To change your insurance plan, log in to www.mi.gov/orsmiaccount and click on Insurance
Coverage, or complete the Insurance Enrollment/Change Request form and return it to ORS along with all
required proofs.
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If you are currently enrolled in any health insurance plan with the retirement system, you can
change your enrollment to another plan regardless of your Medicare status. Your change in coverage will be
effective the first day of the second month after your request and required proofs are received. For example, if
ORS receives your change request and any required proofs on January 10, your coverage with the new plan
will begin on March 1.
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Explanation of proofs can be found on Page 3 of the Insurance Enrollment/Change Request form.
Enrollments and Making Changes
Enrollment Waiting Period