Medicare and Retiree plans

How can you deliver health benefits value for both your retirees and your bottom line? Aetna offers a nationwide solution, whether you plan to maintain benefits, exit coverage, or any strategy in between.

Post-65 Medicare-eligible retirees

Aetna Medicare Advantage group plans

Highly satisfied members and top ratings for clinical quality make Aetna the Medicare Advantage carrier of choice: 

• 94% overall member satisfaction.*
• 99% of Aetna members are in contracts with at least 3.5 stars, according to CMS**
• Aetna is rated #1 for clinical quality among national carriers by CMS**
• Aetna's care management/wellness programs save plan sponsors more than $120 per member per month vs. an unmanaged approach***
• HMO and PPO plans are available, including PPO with Extended Service Area (ESA) providing nationwide coverage****
• Integrated medical and Medicare Prescription Drug coverage – simplicity and convenience (medical-only plans also available)
• No employer subsidy required with some Medicare Advantage plans -- keeps your costs down

Standalone Aetna Medicare Prescription Drug (PDP) plans

• Wide range of coverage options are available
• Leverage drug manufacturer discounts in the Medicare Coverage Gap, saving money for you and your retirees
• Cost-effective alternative to commercial Rx plan taxes and administration

Aetna Supplemental Retiree Medical Plan^

• Covers certain out-of-pocket costs for Medicare-covered services that Medicare doesn't pay
• Available in most states
• No provider network - members can see any licensed health care provider that is eligible to receive Medicare payment
• A range of plan designs familiar to retirees
• Flexibility -- offer this plan alone, or with a standalone Aetna Medicare PDP plan, or let your retirees choose between those options and our Medicare Advantage plans

Aetna Traditional Choice^® Plan

• Covers certain out-of-pocket costs for Medicare-covered services that Medicare doesn’t pay
• Lets you offer a similar indemnity plan to post-65 retirees and active employees

Pre-65 early retirees not eligible for Medicare

• Aetna HealthFund^®  plans help retirees save for future medical expenses 
• Fully insured, guaranteed issue pre-65 plans through our innovative retiree programs 
• Individual plan options, including some that can be used with a health savings account

Innovative retiree programs

Access fully insured, guaranteed-issue plans for both pre-65 and post-65 retirees.

Aetna’s Public Sector Retiree Health Program

• Flexible contribution and plan eligibility tailored to the needs of public sector groups

We are the exclusive national group retiree plans carrier for specialized programs that combine the buying power of participating companies/institutions:

Retiree Health Access^®

• Serves large corporations that are members of the HR Policy Association.
  Learn more 

Emeriti^® Retirement Health Solutions

• Serves higher education institutions and education-related tax-exempt organizations
  Learn more

For more information, contact Aetna or your broker/consulting firm.

*Based on an Aetna survey conducted with 2,057 Medicare Advantage plan members from group plan sponsor organizations, January 2011-February 2012.
**Data based on 2013 Star ratings data published by CMS; enrollment weighted based on CMS 2012 enrollment. Plan performance Star Ratings are assessed each year and may change from one year to the next.  
***2010 high performance metrics study: Aetna. Final analysis and conclusions. Aetna. March 17, 2010.
****CMS Extended Service Area enrollment waiver requires that at least 51 percent of your retirees enrolled in the plan reside in Aetna’s MA-PPO network service areas.

Aetna Medicare Advantage Plans
Aetna Medicare is a Medicare Advantage organization with a Medicare contract. A Medicare approved Part D sponsor.  Plans are offered by Aetna Health Inc., Aetna Health of California Inc., and/or Aetna Life Insurance Company (Aetna). Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change each year. Participating physicians, hospitals and other health care providers are independent contractors and are neither agents nor employees of Aetna. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change.

Aetna Medicare Prescription Drug Plans
A Medicare-approved Part D sponsor. Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies. Plans are offered by Aetna Life Insurance Company (Aetna). Aetna Pharmacy Management refers to an internal business unit of Aetna Health Management, LLC. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change each year.

Aetna Supplemental Retiree Medical Plan
^NOTE: IN THE STATES OF COLORADO, KENTUCKY AND NEW YORK, THE NAME OF THIS GROUP HEALTH PRODUCT IS THE “AETNA RETIREE MEDICAL PLAN”. IN THE STATE OF KANSAS AND TERRITORY OF PUERTO RICO, THE NAME OF THIS GROUP HEALTH PRODUCT IS THE “AETNA RETIREE MEDICAL INSURANCE PLAN”. IN ALL OTHER STATES, THE NAME OF THIS GROUP HEALTH PRODUCT IS THE “AETNA SUPPLEMENTAL RETIREE MEDICAL PLAN” (HEREINAFTER COLLECTIVELY REFERRED TO AS “RETIREE MEDICAL PLAN”).
THE AETNA SUPPLEMENTAL RETIREE MEDICAL PLAN/AETNA RETIREE MEDICAL PLAN/AETNA RETIREE MEDICAL INSURANCE PLAN (PLAN) IS NOT A MEDICARE SUPPLEMENT INSURANCE PLAN OR A MEDIGAP INSURANCE PLAN. This is an employer group retiree medical plan and may provide benefits that are different from a Medicare Supplement plan. Plans are underwritten by Aetna Life Insurance Company.  CHCS Services, Inc. is currently the third party administrator (TPA) for this Plan. You must meet the eligibility criteria established by your former employer and be enrolled in Medicare Parts A & B to be eligible to enroll in this plan. State benefit mandates may apply. This material is for informational purposes only. Plans contain exclusions and limitations. Plan features and availability may vary by location and are subject to change. In the event of a conflict or inconsistency between this material and plan documents, the terms of the plan documents shall govern. While this material is believed to be accurate as of the print date, it is subject to change.

Retiree Health Access® reserves the right to change or terminate benefit plans at any time.  Retiree Health Access® and RHA® are registered marks of Health Care Policy Roundtable, LLC. Used under license with Health Care Policy Roundtable. All rights reserved.

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©2013 Aetna Inc.