The Emeriti program offers you a choice of four medical plans (depending on your state of residence, you may have two medical plan choices), three Medicare-approved Part D prescription drug (Rx) plans and a dental plan, all with a range of premium costs, deductibles and out-of-pocket limits.

You design your own plan from this menu by first choosing a medical plan from among the available options and then choosing an Rx plan from among three options.  You have the option to add dental to any of these combinations.  Please note that the Rx Low Plan is the only plan that may be chosen as a stand-alone option.

Emeriti offers three types of medical plans. The Aetna Traditional Choice Medical Plan and the PFFS Medical Plan are available nationwide. For 2010, Emeriti’s new Supplemental Medical Plan K and Plan L are approved by 27 states plus the District of
Columbia for 2010. (See below for availability.) We expect to be able to make Plans K and L more widely available in 2011. Each type of plan deals with Medicare Parts A and B deductibles and Medicare allowable charges somewhat differently.

The Aetna Traditional Choice plan coordinates benefits with Medicare coverage. 

The Private Fee-for-Service (PFFS) Plan is a Medicare Part C Plan, where Aetna provides all of the benefits of Original Medicare Parts A and B; it also provides extensive preventive services for which you pay nothing.

Aetna Supplemental Retiree Medical Plans K and L build on what Medicare provides.

Aetna Supplemental Retiree Medical Plans K and L are available in the folliowing states: AL, AK, AZ, AR, CO, CT, DE, DC, GA, IN, IA, LA, MI, MO, MS, NE, NM, NY, NC, ND, OK, SC, SD, TN, TX, WV, WI, WY.

*In the state of New York the names of these group health plans are Retiree Medical Plans 5 and 6, and in all other states, Supplemental Retiree Medical Plans K and L.

Emeriti’s Medicare-approved Part D prescription drug plans:

• Rx High Plan is an enhanced plan with an open formulary and continuing coverage in the coverage gap.
• Rx Mid Plan is a mid-level plan with an open formulary and generic-only coverage in the coverage gap.
• Rx Low Plan is a basic plan with a closed formulary and no coverage in the coverage gap. 

Learn more about Emeriti’s Rx coverage.

Emeriti’s optional dental coverage can be added to any of the plan combinations.  Please note: you cannot elect dental coverage as a stand-alone.  You can choose to add dental to any combination of the medical and Rx plans.  Learn more.

*Aetna provides all coverage for institutions and their retirees in 48 states and the District of Columbia. For institutions and their retirees in Minnesota, HealthPartners provides comprehensive coverage, and Aetna provides prescription drug only plans. For institutions in Minnesota, and their retirees residing in Minnesota, HealthPartners provides comprehensive coverage, and Aetna provides a prescription drug-only plan. Click here to see the HealthPartners Freedom Plans available in Minnesota. If your institution has fewer than 50 employees, your Emeriti insurance option will be limited to a separate insurance offering mandated by your state insurance department as part of small group insurance reform. Please call an Emeriti Specialist from Aetna to find out what insurance coverage is available to you.

**For PFFS Plans, the provider must accept Private Fee-for-Service plan terms and conditions.