Non-Medicare

With Retiree Health Access^®, you can obtain health coverage regardless of your current health status.

You are eligible to enroll in a Retiree Health Access plan if you are at least 55 years of age with 5 years of service with a former employer that participates in the RHA program. You must also meet the following:

Your former employer's age and years of service requirements.
You are no longer a full-time or part-time employee.
You are otherwise eligible to participate in your former employer’s retirement benefits program.

You may also be able to enroll your dependents. Your Personalized Enrollment Worksheet lists your eligible dependents.

Plan Overviews

The Network Option Plan* lets you choose health care professionals and facilities in or out of Aetna’s Medicare network. You are required to meet an annual deductible each year. Preventive care is paid in full.
The Indemnity (Traditional Choice^®) Plan provides coverage through a Network Option Plan for those who live outside the area the plan serves. You are required to meet an annual deductible each year. Preventive care is paid in full.
Prescription Drug Plan helps pay the cost of prescription drugs. You simply pay your cost share amount at the pharmacy. Virtually no paperwork.
Aetna Dental^® PPO Plan provides access to a choice of dental services with no referral required for covered services.
Aetna Dental Preventive Care ^SM PPO provides access to preventive care and diagnostic procedures at no cost when you visit an Aetna Dental Preferred Provider Organization (PPO) Plan dentist.

The Network Option Plan*

You have the freedom to choose providers in or out of network. If you choose in-network providers, you’ll pay less out of pocket.
You have an out-of-pocket cap on expenses.
Preventive care is paid in full.
If you see certain in-network providers for preventive care, there is no deductible to meet.
To find a doctor in your network, visit DocFind^® at www.aetna.com/docfind/custom/rhagroup or call a representative to help you at 1-800-891-6779, 7 days a week, 8 a.m. to 8 p.m.
The Network Option High (CDHP) and Network Option Low (CDHP) plans are compatible with the requirements of the Health Savings Account (HSA). You can use the HSA to offset the higher out-of-pocket expenses of a high-deductible health plan.

*The Network Option Plan includes Aetna Open Access^® Managed Choice^® Network or Aetna Open Choice^® Network Option Plan or the Aetna Choice^® POS II Plan.

Aexcel^®: The High Performance Network

Available through a Network Option Plan, Aexcel offers specialist services, whether it’s an outpatient or inpatient situation. Selecting an Aexcel designated specialist could mean you have a lower copay or coinsurance. You can be sure that an Aexcel specialist meets a variety of standards established by leading health organizations such as the American Heart Association, American College of Obstetricians and Gynecologists and Centers for Medicare & Medicaid Services.

The Indemnity (Traditional Choice^®) Plan

This plan is considered an out-of-area or indemnity plan.
You can visit any licensed provider when you need care.
There is a cap on out-of-pocket expenses. Once you meet the out-of-pocket maximum, the plan pays the remaining covered expenses at 100% for the rest of the year.
Preventive care is paid in full.
There is no deductible for preventive care.

Prescription Drug Plan

This plan provides coverage that helps pay the cost of prescription drugs.
You have access to more than 60,000 network pharmacy locations.
You pay a coinsurance or copay, subject to a maximum for each prescription with no deductible required.
This plan includes services that make it easy to get the medications you need, when you need them. They include:

– Aetna Rx Home Delivery^® Service. You can order up to a 90-day supply of medications you use regularly delivered to your home or another location of your choice at no additional cost for standard shipping.

– Aetna's Specialty Pharmacy^®. You can get free, confidential delivery at home or another location for hard-to-fill prescriptions including self-injectable medications and medications that require refrigeration or special handling.

Aetna Dental^® PPO* Plan

Access affordable coverage on dental cleanings, X-rays, restorative work and more.
You can see a dentist in or out of network; you'll likely save more when your dentist is within our network.
To find a dentist in network, visit DocFind^®, our online directory of providers.

Aetna Dental Preventive Care^SM PPO*

Pay nothing for preventive care and certain diagnostic procedures when you see an Aetna Dental Preferred Provider Organization (PPO) dentist.
To find a PPO provider, visit DocFind^®, our online directory of providers.
There is no deductible to meet and no copayment to pay.

* In Texas, the Preferred Provider Organization (PPO) plan is known as the Participating Dental Network (PDN).

Dental PPO plans are underwritten and/or administered by Aetna Life Insurance Company (Aetna). Policy form numbers in Oklahoma include: GR-9 and/or GR-9N, GR-23, GR-29 and/or GR-29N.

Vital Savings by Aetna^®

Get discounted fees (in most instances) negotiated by Aetna Life Insurance Company for dental care expenses and other health care services.
As a discount program, Vital Savings has no waiting periods, pre-existing exclusions, maximums, claims to file, deductibles or copays.
Your bill to participate in the Vital Savings program will come from Aetna, and you must make your payment to Aetna.
To find out about discounts on dental care and other health care services, call 1-866-36-VITAL (84825) (mention code 882016-020) or visit the Vital Savings by Aetna website http://www.vitalsavingsbyaetna.com/default.aspx.

Note: The Vital Savings by Aetna^® program (the “Program”) is not insurance. The program does not meet the Minimum Creditable Coverage requirements in Massachusetts (MA). It provides Members with access to discounted fees according to schedules negotiated by Aetna Life Insurance Company for the Vital Savings by Aetna discount program. The range of discounts provided under the Program will vary depending on the type of provider and type of service received. The Program does not make payments directly to the participating providers. Each Member must pay for all services or products but will receive a discount from the providers who have contracted with the Discount Medical Plan Organization to participate in the Program. Aetna Life Insurance Company, 151 Farmington Avenue, Hartford, CT 06156, 1-866-368-4825, is the Discount Medical Plan Organization. www.vitalsavingsbyaetna.com.

It is not available in Vermont (VT) and Montana (MT).

Oklahoma form numbers for discount programs are: GR-96402-02 04-09.

Secure Member Website

Once you’re enrolled in an Aetna plan you’ll be able to use Aetna Navigator^®, a secure member website that offers self-service convenience, up-to-date health information, consumer tools and much more. You’ll need to register first. Then you can log on to:

Find in-network doctors, dentists, hospitals, pharmacies and other providers near you.
Get information about your plan’s coverage, benefits, programs and special features.
Review claims information, including payments made.
Use cost-of-care tools to check the estimated average costs of medical services and prescription drugs in your area.
Compare local hospitals on the criteria most important to you.
Take care of personal benefits business such as requesting a replacement ID card and printing claim forms.
Find reliable, up-to-date health information on hundreds of topics.

Special Programs and Services

Your RHA plan includes a variety of programs and services that help you get well and stay healthy. They include:

Perfect Aging Program–provides simple, free access to information, resources and support that impact your health and quality of life. As a member, you can access our award-winning website or call our toll-free number to talk to a Perfect Aging Health Advisor, available 24/7.

Health and Wellness Discounts and Programs

Aetna Vision^SM discount program—save on routine eye exams and select items and services, including LASIK surgery.

Aetna Hearing^SM discount program—save on hearing aids, comprehensive hearing tests and hearing-aid services from licensed professionals, in certain areas.

Aetna Natural Products and Services^SM discount program—offers reduced rates on acupuncture, chiropractic care, massage therapy and dietetic counseling through American Specialty Health Incorporated (ASH) and its subsidiaries. ASH also offers discounts on over-the-counter vitamins, herbal and nutritional supplements and natural products. Through Vital Health Network, members can receive a discount on online consultations and alternative remedies provided by medical doctors for a variety of conditions.

Aetna Fitness^SM discount program—access preferred rates on gym memberships and discounts on at-home weight-loss programs, home fitness options and one-on-one health coaching services; not available in all states.

Aetna Weight Management^SM discount program—access discounts on eDiets^® diet plans and products, Jenny Craig^® weight-loss programs and products and Nutrisystem^® weight-loss meal plans.*

*Discounts do not apply to some plans, programs, food and/or products.

Note: The products and services described under “Special Programs and Services” are neither offered nor guaranteed under one contract with the Medicare program. In addition, they are not subject to the Medicare appeals process. Any disputes regarding these products and services may be subject to the Aetna Medicare Plan grievance process. Availability may vary by plan.

Healthy Lifestyle Coaching—speak to a licensed professional by phone to develop a specific program based on your health needs; learn how to manage weight and/or stress, quit smoking and maintain good health. Availability may vary by plan.

Core Features

Availability may vary by plan. Please refer to your plan documents to determine your eligibility for these features.

Aetna Health Connections^SM Disease Management Program—offers educational materials and resources designed to help you live better with conditions such as diabetes, heart problems, asthma or arthritis.

Personal Health Record—keep track of essential health information in a single, secure location online; get tips on alternative therapies; track important health numbers, like blood pressure, weight and other health markers in easy-to-understand graphs and charts.

Nurse Case Managers—get personalized support for chronic and/or serious health conditions from specially trained medical professionals.

Informed Health^® Line¹—speak with a registered nurse, 24/7, on health-related issues; access Aetna’s Audio Health Library to learn about various health conditions in English or Spanish. (Not available for Aetna Supplemental Retiree Medical Plans.)

National Medical Excellence Program^®—offers access to our national Institutes of Excellence^™ Transplant Network for transplants and transplant related services. It includes medical management through the recovery period. Case management is also provided for members with rare or complex conditions requiring specialized treatment.

Patient Safety through Care Considerations—get timely alerts and additional reminders that can help you stay healthy. These messages may warn you of potentially dangerous drug combinations, or remind you of important tests and screenings.

DocFind—If you have an Aetna Medicare Plan (PPO or HMO) or an Aetna Medicare Rx (PDP), you have access to this online provider directory, making it easier to find physicians, hospitals, pharmacies and other participating health care professionals; search by name, ZIP Code, city, state, specialty and/or hospital affiliation.

¹While only your doctor can diagnose, prescribe or give medical advice, the Informed Health Nurses can provide information on more than 5,000 health topics. Contact your doctor first with any questions or concerns regarding your health care needs.

This material is for informational purposes only. This communication does not include all provisions of the plans described. Eligibility rules apply for all plans. Retiree Health Access reserves the right to change or terminate benefit plans at any time.

Benefits coverage is provided by Aetna Health Inc., Aetna Health of California Inc., and/or Aetna Life Insurance Company. Benefits, limitations, service areas and premiums are subject to change on January 1, 2012. You must be entitled to Medicare Part A and continue to pay your Part B premium and Part A, if applicable. A Medicare Advantage organization with a Medicare contract. A Medicare approved Part D sponsor.