Retiree plan benefits
Highlights of Aetna Medicare Advantage for RCBP
Get to know your Retiree plan and extras
As an Aetna Medicare Advantage for RCBP member, you’ll get benefits and programs that address the whole you — physical, emotional and social — at no additional cost to you.
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Benefits wherever you are
This plan lets you use any doctors and hospitals that are licensed to receive Medicare payment and willing to accept and bill your plan.
And with the Aetna Medicare Advantage for RCBP, your coverage follows you wherever you travel, nationwide.
*It allows you to see any provider (whether in the network or not), and you pay the same out-of-pocket cost for both covered in-network and out-of-network medical benefits, as long as the provider is:
- Eligible to receive payment under Medicare
- Willing to bill and accept payment from Aetna®
Wellness and value-added programs
Get to know the Aetna Medicare Advantage plan
RCBP and Medicare: A guide for RCBP retiree health and prescription drug plans. As an Aetna Medicare Advantage for RCBP High Option plan member, you have a suite of programs and services available at no extra cost to you. Download the brochure to learn more.
Benefit comparison
RCBP High Option with Medicare compared to Aetna Medicare Advantage for RCBP
Benefits at a glance
The RCBP High Option column shows benefits when Medicare Parts A and B are your primary coverage.
RCBP waives your calendar year deductible and most copayments and coinsurance, (except for prescription drugs), and pays Medicare’s deductible and coinsurance for services covered by both Medicare and RCBP.
Do not rely on this chart alone. All benefits are fully described in the official Plan Brochure.
| Benefit type | RCBP with Medicare | Aetna Medicare Advantage for RCBP |
|---|---|---|
| Annual Part B premium reduction | N/A | Each eligible member receives a $900 ($75 per month) Medicare Part B premium reduction. |
| Deductible | $0 | $0 |
| Out-of-pocket maximum | $5,000 per person (medical and prescription) | $2,000 per person (prescription only) |
| Coinsurance | $0, except prescription drugs | $0, except prescription drugs |
Note: This chart assumes Medicare Parts A and B are primary and that covered services are provided by doctors and facilities that participate with Medicare. RCBP does not pay 100% when services are provided by a doctor under a private contract that provides for direct billing and no Medicare coverage. This is also a summary of Medicare features. For more information on Medicare call 1-800-MEDICARE or visit Medicare.gov
Medical coverage
The RCBP High Option column shows benefits when Medicare Parts A and B are your primary coverage.
RCBP waives your calendar year deductible and most copayments and coinsurance, (except for prescription drugs), and pays Medicare’s deductible and coinsurance for services covered by both Medicare and RCBP.
Do not rely on this chart alone. All benefits are fully described in the official Plan Brochure.
| Medical Coverage | RCBP with Medicare – you pay | Aetna Medicare Advantage for RCBP – you pay |
|---|---|---|
| Adult annual physical exam | $0 | $0 |
| Lab, X-ray and other diagnostic tests | $0 | $0 |
| Primary care and specialty physician visits | $0 | $0 |
| Chiropractic services | $0 | $0 |
| Physical, occupational and speech therapy | $0, up to 90-visit combined maximum | $0, unlimited visits |
| Routine vision exam | $0, up to $45 benefit; then all charges | $0, no maximum |
| Inpatient hospital | $0 | $0 |
| Outpatient hospital | $0 | $0 |
Note: This chart assumes Medicare Parts A and B are primary and that covered services are provided by doctors and facilities that participate with Medicare. RCBP does not pay 100% when services are provided by a doctor under a private contract that provides for direct billing and no Medicare coverage. This is also a summary of Medicare features. For more information on Medicare call 1-800-MEDICARE or visit Medicare.gov
Prescription drug benefits
The RCBP High Option column shows benefits when Medicare Parts A and B are your primary coverage.
RCBP waives your calendar year deductible and most copayments and coinsurance, (except for prescription drugs), and pays Medicare’s deductible and coinsurance for services covered by both Medicare and RCBP.
Do not rely on this chart alone. All benefits are fully described in the official Plan Brochure.
| Benefit | RCBP High Option with Medicare – What you pay | Aetna Medicare Advantage for RCBP – What you pay |
|---|---|---|
| Preferred generic | N/A | Preferred pharmacies: $0 (30 days) $0 (90 days) Standard pharmacies: $2 (30 days) $4 (90 days) |
| Generic | 30%; max $7.50 (30 days) $10 (90 days) |
$5 (30 days) $10 (90 days) |
| Preferred brand | 30%; max $200 (30 days) $50 (90 days) |
$35 (30 days) $35 (90 days) |
| Non-preferred brand | 30%; max $200 (30 days) $80 (90 days) |
$40(30 days) $40 (90 days) |
| Specialty generic | $70 (30 days) $100 (90 days) |
$70 (30 days) $100 (90 days) |
| Specialty preferred brand | $90 (30 days) $125 (90 days) |
$70(30 days) $100 (90 days) |
| Specialty nonpreferred brand | $120 (30 days) $250 (90 days) |
$70 (30 days) $100 (90 days) |
Note: This chart assumes Medicare Parts A and B are primary and that covered services are provided by doctors and facilities that participate with Medicare. RCBP does not pay 100% when services are provided by a doctor under a private contract that provides for direct billing and no Medicare coverage. This is also a summary of Medicare features. For more information on Medicare call 1-800-MEDICARE or visit Medicare.gov
Wellness and value-added programs
The RCBP High Option column shows benefits when Medicare Parts A and B are your primary coverage.
RCBP waives your calendar year deductible and most copayments and coinsurance, (except for prescription drugs), and pays Medicare’s deductible and coinsurance for services covered by both Medicare and RCBP.
Do not rely on this chart alone. All benefits are fully described in the official Plan Brochure.
| Benefit | RCBP High Option with Medicare | Aetna Medicare Advantage for RCBP |
|---|---|---|
| SilverSneakers® | Not included | Included |
| Meal benefit program | Not included | Included – up to 14 meals after discharge per patient |
| Routine transportation | Not included | Included – 24 one-way trips up to 60 miles |
| Healthy Home Visits | Not included | Included |
| Resources For Living® | Not included | Included |
| Over-the-counter supplies | Limited to ACA requirements | $30 allowance every three months via mail order |
Note: This chart assumes Medicare Parts A and B are primary and that covered services are provided by doctors and facilities that participate with Medicare. RCBP does not pay 100% when services are provided by a doctor under a private contract that provides for direct billing and no Medicare coverage. This is also a summary of Medicare features. For more information on Medicare call 1-800-MEDICARE or visit Medicare.gov
Getting access to Aetna Medicare Advantage
Everyone covered under your plan who has Medicare Parts A and B as primary coverage has the choice to opt into the Aetna Medicare Advantage plan.
To complete your enrollment in Aetna Medicare Advantage, we will need to confirm your Medicare information. Please call us at 1-866-241-0262 (TTY: 711) Monday-Friday, 8 AM–8 PM ET. You can also visit your Retiree benefits website (below). You’ll need to provide your Original Medicare effective date for Parts A and B and your Medicare Beneficiary ID (MBI).
Retiree plan resources to help you with your benefits
Retiree documents
- 2023 Retiree plan brochure PDF - opens in a new window
- 2023 Medicare – Evidence of Coverage PDF - opens in a new window
- 2023 Medicare – Plan Document Notice PDF - opens in a new window
- 2023 Medicare – Schedule of Cost Sharing PDF - opens in a new window
- 2023 Medicare – Summary of Benefits PDF - opens in a new window
Pharmacy Cost Calculator and Locator Tool
Retiree prescription drug information
Claim forms and appeals resources
Aetna Medicare Advantage for
RCBP High Option
It’s easy to opt in (with Aetna).
Monday–Friday, 8 AM–8 PM ET
Get Live Help
Have questions or need help selecting a plan? We offer multiple ways to get live help. Don’t wait, our friendly representatives are here for you.
Aetna Medicare is an HMO, PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. The formulary, provider and/ or pharmacy network may change at any time. You will receive notice when necessary. 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. Plan features and availability may vary by service area.
SilverSneakers is a registered trademark of Tivity Health, Inc. © 2021 Tivity Health, Inc. All rights reserved. Resources For Living is the brand name used for products and services offered through the Aetna group of subsidiary companies.
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 Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice.
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