Your Open Enrollment period is November 7-December 2, 2016. Any changes you make to your current coverage during Open Enrollment will start on January 1, 2017. If you aren’t changing anything, you don’t need to do anything and your current plan will simply carry over into 2017. During Open Enrollment you can switch current coverage to another NAF employer-sponsored plan, if it’s available where you live. Keep in mind that there is no opportunity for retirees to enroll or re-enroll in a plan that was not offered at the time of retirement.
2017 Medical & Dental Monthly Premium Rates for Retirees
|Tier||Medical||Medical & Dental|
|Retiree + child(ren)||$323.36||$342.15|
|Retiree + spouse*||$387.02||$409.51|
|Retiree + family||$512.69||$542.48|
*Same-Sex Domestic Partners are no longer eligible effective January 1, 2017. Learn more.
Note: Premiums do not apply to Exchange retirees who met qualifications for paid post-retirement health care.
Learn more about your health plan:
- Aetna Choice POS II plan
- Aetna Traditional Choice Indemnity plan
- Aetna International Traditional Choice Indemnity plan
- Aetna Passive PPO Dental plan
Congratulations on a milestone birthday! Here are a few things to keep in mind:
Unless you are an Exchange retiree*, your enrollment in the Aetna Traditional Choice Indemnity Plan is not automatic. Once you and your covered family members turn 65, contact your local Human Resources Office to continue your medical insurance with the Traditional Choice Plan.
*Exchange retirees are automatically enrolled in the Aetna Traditional Choice Indemnity Plan and do not need to contact their Human Resources Office.
You are required to enroll in Medicare Parts A and B when you turn 65. Whether or not you’ve enrolled in Medicare Part B, your plans will be calculated as if you are. That means it’s important to actually enroll.
What's New for 2017?
By making changes and additions to your health plan each year, we are able to keep pace with ever-increasing costs while providing new benefits and services for your good health and convenience. Deductibles and coinsurance for medical and dental will not change in 2017. Medical and prescription copays will also remain the same. The changes described below will take effect on January 1, 2017.
- Four premium tiers: Until this year, there have been two premium tiers — individual and family. For 2017, this will change to four tiers, which will bring the DoD NAF plan in line with industry standard. The 4 tiers are as follows: Employee only, Employee + child(ren), Employee + spouse, and Employee + family (employee + spouse + children). It is important to determine which tier you will fall into for 2017 since your 2017 premium contributions will depend on the tier that applies to you and covered dependents you choose during Open Enrollment.
- Out-of-pocket maximum increases: This is the maximum amount you pay for your share of covered expenses in a calendar year. For the first time since 2006, the out-of-pocket maximums will increase in 2017, as shown below:
|Family of 2||$6,000||$12,000||$8,000||$16,000|
|Family of 3 or more||$9,000||$18,000||$12,000||$24,000|
- The Maintenance Choice Program: Maintenance medications are those used on a regular basis to treat or manage conditions such as asthma, diabetes, high blood pressure or high cholesterol. With Maintenance Choice, you can get a 90-day supply of maintenance medications by using either Aetna Rx Home Delivery mail-order pharmacy or a CVS pharmacy near you. After two fills at your local retail pharmacy, you will pay the full cost of the drug if you choose to continue to receive a 30-day supply.
Keep in mind that you will pay the same amount for a 90-day supply of your medication as you would for two 30-day supplies. It’s like getting a month free! Plus, when you save, the plan saves. This helps keep plan costs (and your premium costs) in check. Learn more about the Maintenance Choice program.
- The Exclusions Drug List: In 2017, your DoD NAF health plan is adding the Exclusion Drug List. This list shows drugs that are not covered and the preferred alternative drugs that are covered. Later this year, you will a copy of the Exclusions Drug List and a letter reminding you of this important pharmacy change. You should check the list to see if any of your prescriptions are on the list. There may be less expensive options that are just as effective for your needs. When you choose or request lower-cost drugs, both you and your DoD NAF health plan save.