RETIREE MEDICAL

Benefits and Rates

The Hartford is the Medical Insurance carrier for retirees. They were chosen as the Medical Insurance carrier for the Retiree Group Medical Coverage because of their superior program and many years of experience in the retiree market. The medical plans that are available to you are designed to help you cover approved costs that Medicare may not pay.

Medical Plan Highlights

You have the option to choose from three different Medical Plans. A Premium Plus Plan, Premium Plan and a Value Plan. You can choose the plan that best suits your healthcare needs and your budget.

Effective January 1, 2022, The Hartford is offering a NEW Medical Plan, the Premium Plus Plan. Did you know the NEW Premium Plus Plan is similar to Medicare Supplement Plan F? On the Premium Plus Plan, you pay your premium and the Premium Plus Plan covers everything else with no deductible and no copays on most services*. The Florida Department of Insurance has not approved the issuance of this new offering, so Florida residents are not able to enroll in this new plan unless you have another residence you can list outside the state of Florida.

Premium Plan and Value Plan Annual Out-Of-Pocket Maximum of $1,000 applies to Medicare Part B outpatient expenses only. Your deductible and any Part B coinsurance (your 10% cost share) will count towards meeting the annual out-of-pocket maximum of $1,000.

Under either the Premium Plus Plan, Premium Plan or Value Plan Medical plan, if you are admitted to the hospital you will have no cost for Medicare-approved inpatient services. For outpatient services: Premium Plus Plan Medical Plan – After the Retiree pays their premium, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges. Premium Plan Medical Plan – After the retiree pays the Medicare Part B front end deductible, he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges. Value Plan Medical Plan – After the retiree pays the $400 front end deductible (which includes the Medicare Part B deductible), he/she will be responsible for 10% of the cost of any Medicare-approved outpatient service up to an annual out-of-pocket maximum of $1,000, then the Medicare Options US plan and Medicare will pay 100% of Medicare-approved charges. Value Plan Medical Plan is not available to Washington residents. *For additional benefit information, please click on the forms and Benefit Guide below. Medical Plan – 2025

Quality Care Connect
Included with purchase of medical plan

Airline Retiree Benefits Plan provides you with exclusive access to QualityCare Connect®, a program that connects...

LEARN MORE

Silver&Fit
Included with purchase of medical plan

The Silver&Fit healthy aging and exercise program supports every unique member...

LEARN MORE

Medical Plan Premiums (Countrywide) - 2025

Plan OptionsCost Per Retiree or Spouse
 Retiree CoverageSpouse or Surviving Spouse Coverage
Premium Plus PlanAge: <65         $314.36
Age: 65-69    $224.30
Age: 70+         $314.36		Age: 65-69     $314.36
Age: 65-69     $224.30
Age: 70+          $314.36
Premium PlanAge: <65         $259.38
Age: 65-69    $186.34
Age: 70+         $259.38		Age: <65         $259.38
Age: 65-69    $186.34
Age: 70+         $259.38
Value PlanAge: <65         $184.40
Age: 65-69    $138.08
Age: 70+         $184.40		Age: <65         $184.40
Age: 65-69    $138.08
Age: 70+         $184.40

Medical Plan Premiums (Washington State Residents) - 2025

Plan Options Cost Per Retiree or Spouse
Retiree Coverage Spouse or Surviving Spouse Coverage
Premium Plan Age: <65-90+         $165.47 Age: 65-90+     $165.47
Age Group Cost Per Retiree or Spouse
Premium Plus Plan Premium Plan
65-69 $198.84 $146.69
Pre-65 & 70+ $278.69 $146.69

Medical Plan Premiums (Florida State Residents) - 2025

Plan OptionsCost Per Retiree or Spouse
 Retiree CoverageSpouse or Surviving Spouse Coverage
Premium PlanAge: 65-69     $129.94
Age: 70-74      $157.13
Age: 75-79     $186.77
Age: 80-84     $217.73
Age: 85-89     $238.67
Age: 90+         $250.23		Age: 65-69     $129.94
Age: 70-74      $157.13
Age: 75-79     $186.77
Age: 80-84     $217.73
Age: 85-89     $238.67
Age: 90+         $250.23
Value PlanAge: 65-69     $113.38
Age: 70-74      $137.57
Age: 75-79     $164.49
Age: 80-84     $193.41
Age: 85-89     $214.06
Age: 90+         $226.79		Age: 65-69     $113.38
Age: 70-74      $137.57
Age: 75-79     $164.49
Age: 80-84     $193.41
Age: 85-89     $214.06
Age: 90+         $226.79
Plan Options Cost Per Retiree or Spouse
Retiree Coverage Spouse or Surviving Spouse Coverage
Premium Plan Age: <65         $259.38
Age: 65-69    $186.43
Age: 70+         $259.38		 Age: 65-69     $259.38
Age: 65-69     $186.34
Age: 70+          $259.38
Value Plan Age: <65         $184.40
Age: 65-69    $138.08
Age: 70+         $184.40		 Age: >65          $184.40
Age: 65-69     $138.08
Age: 70+          $184.40

Exclusions

This plan does not cover: any expense that is not a Medicare Eligible Expense or beyond the limits imposed by Medicare for such expenses or excluded by name or specific description by Medicare, except as specifically provided in the policy; any portion of a covered expense to the extent paid by Medicare; benefits payable under one benefit of the policy to the extent covered under another benefit of the policy; or expenses incurred after coverage terminates. The summary of program benefits described herein is for illustrative purposes only. In case of differences or errors, the Group Policy governs.

MEDICARE ADVANTAGE

Benefits and Rates

Humana is the Medicare Advantage carrier for retirees. They were chosen as the Medicare Advantage Insurance carrier for their experience, expertise and leader in the market. The plan was designed as an alternative for those that may not need a traditional Medicare supplemental plan and comes with a lower rate.

Medical Plan Highlights

The AirlineCare plan is a Medicare Advantage plan that can only be purchased here. And unlike most other Medicare Advantage plans, the Airline Care Plan is a PPO plan rather than the most common HMO plans that can be found on the open market.
Effective June 15th 2025, we are pleased to bring this new Humana offering as NEW Medical Plan option to the additional unique plan offerings we make available to you. In addition to providing Medicare benefits, this new AirlineCare plan offers valuable non-Medicare benefits such as coverage for annual physicals, post discharge meals, post discharge rides, post discharge in-home assistance, access to telehealth and a fitness benefit.

Medicare Advantage Plan Premiums (Countrywide) - 2025

Plan Options Cost Per Retiree or Spouse
Retiree Coverage Spouse or Surviving Spouse Coverage
AirlineCare Plan All Ages:         $36.48 All Ages:          $36.48
ENROLL HERE