Network Only Plans | Network Option Plans | Indemnity Plan | Retiree Plans | Health Funds | Performance Networks | Institutes of Excellence

Aetna recognizes the growing need for affordable retiree health benefits. Our insurance and benefit plan options and in-depth Medicare knowledge provide solutions for early retirees and Medicare-eligible retirees

Pre-65/Early Retirees
For early retirees who are not eligible for Medicare, we offer:

• Group-subsidized plans, including our consumer-directed Aetna HealthFund^® plans
• Multiple individual plan options, including some that are HSA-compatible
• Retiree reimbursement accounts to help save towards future medical expenses

Post-65/Medicare-Eligible Retirees
Explore our Aetna Medicare Advantage plan options, which feature:

• More benefits and lower cost than typical retiree plans that combine Medicare Parts A and B benefits with a supplemental indemnity plan
• Comprehensive medical and pharmacy coverage solutions, including:
• Aetna Medicare Open^SM Plan (Private Fee For Service) - a non-network based plan, available to plan sponsors' retirees in all 50 states, the District of Columbia and Puerto Rico. Available to individual retirees in specific service areas. Contact us for details. Members can access care from any doctor that is eligible to receive payment under Medicare, agrees to treat them, and accepts the plan’s terms and conditions.
• Aetna Golden Medicare Plan^® (HMO) and Aetna Golden Choice^TM Plan (PPO) options - large provider networks. These plans are available in specific service areas. Contact us for details.
• Strong medical management and holistic wellness program which can result in a more stable trend than unmanaged programs, leading to lower plan premiums and the potential for greater savings
• Aetna Extras^SM : discounts on health-related products and services (Discounts are not insurance.)

If you are interested in offering a Medicare prescription drug plan alone, without medical coverage, we also offer Aetna Medicare Rx^SM Plans.

We’re also the exclusive health plan provider for:

Retiree Health Access^® — The only solution providing fully insured health plans for both pre- and post-65 retirees – including guaranteed-issue for pre-65 – with no employer subsidy required.

Emeriti^® Retirement Health Solutions — The single-source pre- and post-65 funding and retiree health insurance solution for higher education institutions.

Contact us to learn more about the Aetna Answer.^SM

Plans are offered by Aetna Health Inc., Aetna Health of California Inc., Aetna Health of Illinois Inc., and/or Aetna Life Insurance Company. Coverage is provided through a Medicare Advantage organization or a Medicare Prescription Drug Plan Sponsor with a Medicare contract. Plans contain exclusions and limitations. Plan features and availability may vary by location and are subject to change.

Please note: A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare supplement plan. Your doctor or hospital must agree to accept the plan’s terms and conditions prior to providing healthcare services to you, with the exception of emergencies. If your doctor or hospital does not agree to accept our payment terms and conditions, they may not provide healthcare services to you, except in emergencies. Providers can find Aetna’s terms and conditions on our website at: http://www.aetna.com/members/medicare/data/terms_conditions.pdf  (4 pages)

Retiree Health Access^® and RHA^TM are registered marks of Health Care Policy Roundtable, LLC. Used under license with Health Care Policy Roundtable. All rights reserved.