For 2025, if you retire before age 65, you may be eligible to enroll in the Pre-65 Retiree Standard Medical option or explore other coverage through Via Benefits, a private, independent insurance marketplace.

To review the latest eligibility information for retiree benefits, visit the Retiree Benefits page on Jetnet.

Enrollment Information

After you retire, you will receive a packet with enrollment information and plan details. You can also find information on the Retiree site, which you can access after you retire.

You can enroll in retiree medical coverage any time after retirement, up to the age of 65. Call the Benefits Service Center at 888-860-6178 if you miss the annual online retiree medical enrollment window.

American reserves the right to amend or terminate the retiree medical plan at any time.

PAYING FOR COVERAGE

The Benefits Service Center bills you for retiree medical coverage one month in advance. It’s important that you make timely payments so that your coverage is not canceled.

If you enroll in the Retiree Standard Medical option, you will be assigned either Blue Cross and Blue Shield of Texas or United Healthcare as your medical administrator, depending on your state of residence.

We partner with CVS Caremark to provide your prescription drug coverage with both retail and mail-order options. If you have questions related to your prescription drug coverage, please call our dedicated CVS Customer Care team at 844-758-0767.

DEDUCTIBLE

Medical services that are not considered preventive care or are not subject to a copay will require you to pay the full cost of care until you meet your annual deductible. You do not have to meet your deductible to purchase mail-order prescriptions.

COINSURANCE

Once you’ve met your deductible, you and American share the cost of care, called coinsurance. When you use in-network providers, you’ll pay 20% and American will pay 80% of the cost for most services until you’ve reached your out-of-pocket maximum. Medical coinsurance applies toward the out-of-pocket maximum, but copays and expenses applied toward the deductible do not.

OUT-OF-POCKET MAXIMUM

An out-of-pocket maximum is the most you’ll pay during a year. After you reach your out-of-pocket maximum, American picks up the full cost of covered medical care for the remainder of the year. You will still be responsible for copays and the cost of mail-order prescriptions.

Prescription coverage

RETAIL PHARMACY (UP TO 30-DAY SUPPLY)

Up to a 30-day supply for most in-network drugs are subject to 20% coinsurance after your deductible. Out-of-network drugs will be determined based on in-network pricing. For both in-network and out-of-network, reimbursement will be based on your CVS Caremark negotiated rate.

MAIL-ORDER PHARMACY (UP TO 90-DAY SUPPLY)

Up to a 90-day supply of in-network, generic drugs are a $25 copay. Brand name drugs are 25% coinsurance (when no generic drug is available) up to a $150 maximum. When a generic drug is available, brand-name prescriptions cost $25, plus the cost difference between brand name and generic prices (no maximum).

American has partnered with Via Benefits, a private insurance marketplace from Willis Towers Watson, to offer you and your dependents options for health care coverage on the individual market. Via Benefits offers a variety of carriers and plans, including those for dental and vision, that may provide an equal or better maximum benefit coverage at a lower cost when compared to an American Retiree option.  Via Benefits is not an insurance provider, and their services are free of charge to American retirees.

Via Benefits offers:

• Medical and prescription drug plan choices designed to meet the needs of each individual retiree and eligible covered dependent, including dental and vision plans.
• Licensed benefit advisers who assist you with your plan selection.
• Ongoing support from a benefit adviser, who will answer your questions, help you with claims and work with carriers on your behalf throughout the year.

FEDERAL SUBSIDIES

If the plan you purchase through Via Benefits is a state Marketplace plan, you may be eligible for federal financial assistance (a subsidy) to help pay the cost of your coverage. Via Benefits advisers can assist you with determining whether you are eligible for a federal subsidy.

WHEN YOU (OR YOUR SPOUSE OR DOMESTIC PARTNER) BECOME ELIGIBLE FOR MEDICARE

A licensed benefit adviser at Via Benefits can help you find the best Medicare marketplace plan for you when you become eligible for Medicare. The marketplace has Medicare supplemental (Medigap), Medicare Advantage, and Medicare Part D prescription drug plans, as well as vision and dental plans.

LEARN MORE AND ENROLL

To help you decide which plan is best for you, contact a certified and licensed benefit adviser from Via Benefits. Advisers understand the insurance options in your area and are able to match a plan to your unique needs and budget.

Contact a Via Benefits benefit adviser

Pre-65 Retirees: 844-287-9947
Post-65 Retirees: 844-686-0483

Monday to Friday, 7 a.m. to 8 p.m. CT.

You can also find more information and enroll at https://my.viabenefits.com/American

We want to provide the information and support survivors need to access the benefits and privileges available to them through American Airlines. We encourage retirees to go through this guide with their dependents and beneficiaries to review helpful checklists and instructions in the event of a retiree’s death.

Retiree Survivor Guide