For 2020 benefits, Open Enrollment will take place from October 28 to November 29, 2019. To learn more about the Aetna plan options and how Medicare coordinates benefits with your Aetna plan, call in to a group conference call.
Here's what you need to know for enrollment:
Retirees and family members under age 65
For 2020 you have a new Aetna plan option to choose from called the High Deductible Health Plan (HDHP). Standard eligibility criteria will apply.
However, if you are not making any changes, you don’t have to do anything. Your existing coverage will remain in effect for 2020. Keep in mind, you may only make changes to your coverage elections during the year if you have a qualified family status change (adding or removing family members).
Retirees and family members turning age 65
Depending on your NAF employer, you may not automatically be enrolled in the Aetna Traditional Choice indemnity plan. You will need to check with your servicing Human Resources Office to see if there are any actions you need to take to enroll in this plan once you turn age 65.
You are strongly advised to enroll in Medicare Parts A and B. Failure to enroll in Parts A and B will have a negative impact on how your Traditional Choice claims are paid. However, if you enroll in the new HDHP with the Health Savings Account (HSA) you may defer Parts A & B so you are able to contribute to this account. Learn more.
Retiree and family members over age 65
Since you are already enrolled in medical coverage, you do not need to take any action during Open Enrollment unless you choose to switch to the new High Deductible Health Plan (HDHP) offered for 2020.
What's new for 2020?
There’s a new plan option to consider
Eligible retirees will have the option of enrolling in a new plan called the High Deductible Health Plan (HDHP). This plan features a lower monthly premium in exchange for a higher deductible. You’ll want to learn about this new plan and compare it to the other options so you can make the best choice during Open Enrollment. To learn more about this new plan option, call in to a group conference call.
Change in premium rates
Currently, all NAF Aetna medical plan participants pay the same premium regardless of the plan they are enrolled in. The majority of active employees and pre-65 retirees in the U.S. are enrolled in the Choice POS II plan which is a Point of Service Plan. Participants in overseas locations are enrolled in the Aetna International plan, which is an indemnity plan. Post-65 retirees are enrolled in the Traditional Choice Plan, which is also an indemnity plan. In the past, all participants in these plans were rated together and a blended premium rate was established each year.
Why is this distinction important? Cost. The demographics of the population and usage in each of these plans is quite different. Beginning in 2020, the POS II, Traditional Choice, and Aetna International plans will be evaluated separately. What does this mean to you? All NAF participants will no longer pay the same premiums. Each plan will have it’s premiums calculated based on its plan experience (demographics, usage, etc).Going forward, the rates for post-65 retirees will be lower because this group has lower medical costs (due to Medicare being primary for medical). The healthcare cost for OCONUS employees will also be lower as healthcare services accessed in the various countries overseas cost less than those in the U.S. This approach is in line with industry standards where post-65 retirees and employees overseas are rated separately. View pre- and post-65 retiree rates posted in the Resources section on this website page.
Removal of maximum allowable amount
There will no longer be a maximum allowable amount* set for in-network facility costs for common outpatient procedures such as MRIs and colonoscopies. As always, it’s important to shop around ahead of time so you can plan for your share, if any, of the cost. Learn more about how to find and compare cost estimates for procedures and prescriptions.
*Maximum allowable amount was never applicable to Post-65 retirees.