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Aetna Medicare Advantage

A plan designed for Federal Retirees that focuses on the whole you – body, mind and spirit.

Reach your health potential

You’re still out there chasing what matters. At Aetna, we believe in the need to take care of the whole you — body, mind and spirit. That’s why we take a total approach to health and wellness, so you can age actively.

What it is:

The Aetna Medicare Advantage PPO with an extended service area (ESA) is a plan offered to eligible members of the Federal Employees Health Benefits (FEHB) program. 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 $75 per month (up to $900/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 that is licensed to receive Medicare payment and is willing to accept the Aetna plan.

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

2021 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 Medicare Advantage – Monthly* Code Non-Postal
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. This is because this plan is the Aetna Medicare Plan (PPO) with an extended service area (ESA). This is a type of Medicare Advantage plan. With this type of plan you pay the same cost for any doctor or hospital, according to the costs listed on the plan benefits summary. The provider must be eligible to receive Medicare payment and accept the Aetna plan.

Find your provider

2021 Benefits summary when you select Aetna Medicare Advantage

Table of rates.
Key benefits What you pay
Credit for Medicare Part B reimbursement You get $900 per year
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 retail pharmacy (90-day supply of a covered drug Preferred generic: $4
Generic: $20
Preferred brand: $80
Non-preferred brand: $150
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)

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

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).

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.

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.

This message is for informational purposes only, is not medical advice and is not intended to be a substitute for proper medical care provided by a physician. The information provided above is not a guarantee of coverage. Coverage is based on all the terms and conditions of your plan as well as eligibility at the time services are received. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to

All Aetna plans include discounts on eyewear, LASIK eye surgery, gym memberships, massage therapy, acupuncture, weight-loss programs and more.

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.

Postal and Non-Postal rates

  • Non-Postal rates apply to most non-Postal employees.
  • Postal rates apply to United States Postal Service employees
  • Postal Category 1 rates apply to career bargaining unit employees represented by the APWU, IT/AS, NALC and NPMHU.
  • Postal Category 2 rates apply to career bargaining unit employees represented by the NALC, NPMHU and PPO.
  • Non-Postal rates apply to all career non-bargaining unit Postal Service employees and career employees represented by the NRLCA agreement.
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