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Aetna® Medicare Advantage

A plan designed for Federal Retirees. We’re here to support your well-being because healthier happens together

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Reach your health potential

We value your total health – physical, emotional and social. We want to help you reach your full potential in life; however you define it. And we want to support you wherever you are on your health journey.

What it is:

The Aetna Medicare Advantage plan is a plan offered to eligible members of the Federal Employees Health Benefits (FEHB) program who enroll in the Aetna Advantage Plan. It’s a nationwide plan that takes a total approach to your health by covering your doctors, hospitalization and prescription drugs in one simple plan.

How it works:

You’ll continue to pay your Part B premium with the Aetna Medicare Advantage plan. It provides the same coverage as Original Medicare but with additional benefits you wouldn’t get, such as $0 deductible and excellent prescription benefits. Plus, we will reduce your Medicare Part B premium by $100 per month (up to $1,200/year). You’ll also get access to programs that may help you reach your health potential, such as SilverSneakers® fitness membership and more.

And you can continue to use your doctors, or any provider, as long as they are:

  • Eligible to receive payment under Medicare
  • Willing to bill and accept payment from Aetna

Get a complete Medicare Advantage plan without having to suspend your FEHB coverage. We’ve made it easier by offering them together.

2024 Rates

These rates do not apply to all Enrollees. If you are in a special enrollment category, please refer to the FEHB Program website or contact the agency or Tribal Employer which maintains your health benefits enrollment.

Table of rates.
Aetna Advantage (retirees with Medicare can opt-in to Aetna Medicare Advantage (PPO)) Code Monthly Premium*
Self Only: Z24 $125.00
Self +1: Z26 $275.00
Self & Family: Z25 $331.25

*Premium will be applied to the Aetna Medicare Advantage or Aetna Advantage plan based on actual enrollment. For Aetna Medicare Advantage, your reported income could require you to pay additional premium to the government. Click here for details.

Switch your plan, not your doctor.

Though you have a new plan option, chances are you may be able to continue seeing your doctors. The Aetna Medicare Advantage plan lets you see any provider (in the network or not), and you pay the same out-of-pocket cost for both covered medical benefits, as long as the provider is:

  • Eligible to receive payment under Medicare
  • Willing to bill and accept payment from Aetna

Find your provider

2024 Benefits summary when you select Aetna Medicare Advantage

Key benefits What you pay
Credit for Medicare Part B You get up to $1,200 per year ($100 per month)
Deductible $0
Primary care physician 0%
Specialist 0%
Coinsurance 0%
Telehealth $0
Preventive Health $0
Surgical care 0%
Inpatient/outpatient hospital 0%
Retail pharmacy (30-day supply of a covered drug) Preferred generic: $2
Generic: $10
Preferred brand: $40
Non-preferred brand: $75
Specialty: 25% ($350 max.)
Mail order pharmacy or CVS Pharmacy® (90-day supply of a covered drug)
See for a listing of all participating pharmacies.
Preferred generic: $4
Generic: $20
Preferred brand: $80
Non-preferred brand: $150
Out of Pocket Maximum for prescription drugs $2,000 per calendar year
You might save by using mail order. You’ll pay only two copay amounts for a 90-day supply.

Aetna Medicare Advantage Evidence of Coverage (FEHBP) (PDF) 2024 Schedule of Cost Sharing (PDF) 2024 Annual Notice of Changes (FEHBP) (PDF)

*By choosing this plan, retired enrollees age 65 and over agree that you have or will have Medicare Parts A and B by your effective date. You agree that you will be enrolled in our Aetna Medicare Advantage plan. We may need more information to enroll you in this plan prior to your effective date. If this is not completed, your benefits will be significantly impacted (i.e., $2,000 deductible not waived and you will pay 30% coinsurance on most services).

If Medicare Parts A & B are not your primary coverage (for example, you are an active employee or retired without Medicare Parts A and B), you will be responsible for the deductible and coinsurance. For coverage details on the Aetna Advantage plan without Medicare, please visit our plan brochure. Please see the Medicare Advantage plan benefits guide (PDF) for coverage details on the Aetna Medicare Advantage Plan.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of subsidiary companies, including Aetna Life Insurance Company and its affiliates (Aetna).

Aetna Resources For Living℠ is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna). The EAP is administered by Aetna Behavioral Health, LLC. and in California for Knox-Keene plans, Health and Human Resources Center, Inc.

This is a brief description of the features of this Aetna health benefits plan. Before making a decision, please read the Plan's applicable Federal brochure(s). All benefits are subject to the definitions, limitations, and exclusions set forth in the Federal brochure.

Teladoc® is not available to all members. Teladoc and Teladoc physicians are independent contractors and are not agents of Aetna. Visit for a complete description of the limitations of Teladoc services. Teladoc, Teladoc Health and the Teladoc Health logo are registered trademarks of Teladoc Health, Inc. DISCOUNT OFFERS ARE NOT INSURANCE. They are not benefits under your insurance plan. You get access to discounts off the regular charge on products and services offered by third-party vendors and providers. Aetna makes no payment to the third parties — you are responsible for the full cost. Check any insurance plan benefits you have before using these discount offers, as those benefits may give you lower costs than these discounts. Pharmacy clinical programs such as precertification, step therapy, and quantity limits may apply to your prescription drug coverage. Providers are independent contractors and are not agents of Aetna. Aetna's Drug Guide is subject to change. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change.

Aetna Medicare is an HMO, PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat Aetna members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. The formulary, provider and/or pharmacy network may change at any time. You will receive notice when necessary. For mail-order, you can get prescription drugs shipped to your home through the network mail-order delivery program. Typically, mail-order drugs arrive within 7-10 days. You can call 1-888-792- 3862, (TTY users should call 711) 24 hours a day, seven days a week, if you do not receive your mail-order drugs within this timeframe. Members may have the option to sign-up for automated mail-order delivery. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area. 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.

For information about our plans available through the Federal Employees Dental and Vision Insurance Program (FEDVIP), please visit our Dental PPO Plan site or our Aetna Vision Preferred site.

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