Health insurance

First, learn more about your options before you choose the health benefits that work best for you and your family.

• • Medical coverage. We provide several options with different monthly contribution rates and copays, including our DFW ConnectedCare plan just for team members residing in the DFW area. Certain geographies have an HMO option as well.
  • Prescription drug coverage is included with all medical plans, so you’re automatically enrolled no matter which medical option you choose. CVS Caremark administers our prescription drug program. You’ll also have access to Staywell Rx for free or discounted medicines and supplies to manage asthma, blood pressure and diabetes.
  • Dental coverage. We offer two different levels of coverage through MetLife Dental.
  • Vision coverage. Wear eyeglasses or contacts? EyeMed administers our vision plan.
  • Spending accounts. You’ll find several different pre-tax health spending account options you can use to pay for eligible out-of-pocket medical expenses, as well as a dependent care flexible spending account for certain childcare and eldercare costs.

Income Protection

Next, consider whether you and your family need additional income protection in case of disability or death. American provides basic term life insurance coverage at no cost for all team members, but you can choose to purchase additional life and accident insurance as well as optional short- and long-term disability coverage. Plans and costs vary by workgroup.

Added Benefits

Finally, be sure to check out the Added Benefits that help you navigate life and all of its twists and turns. From pet insurance to legal plans to critical illness insurance, we offer a broad range of extra benefits to make life a little – or a lot – easier.

New hire benefit guides

For a quick overview of benefits available to you, select the guide for your workgroup below.

• Airports and Reservations (CWA-IBT)
• Flight Attendants (APFA)
• Management and Support Staff
• Pilots (APA)
• Fleet Service and M&R (TWU-IAM)
• SimPs, FSEs, FCTIs (TWU)
• Dispatchers (PAFCA)

Enrollment deadline 

You have 60 days from your date of hire to enroll in the majority of our benefits. It’s important to enroll or waive benefits coverage within those 60 days, as you will be automatically enrolled into the Core medical option otherwise.

Don’t worry about doctor’s appointments or emergencies that happen after you begin working but before you enroll in coverage — our medical, dental and vision plans are retroactive, meaning any eligible costs you incur before you make your enrollment choices will be reimbursed under your plan’s coverage.

For Added Benefits, your enrollment window varies. Some benefits, like pet insurance and identity theft protection, you can enroll in at anytime. Others, like critical illness insurance and legal plan, limit your enrollment window to within 60 days of hire or a qualifying life event.

Dependent eligibility

To find out who can be included on your benefits coverage as a qualified dependent, read our eligibility guidelines. Once you’ve enrolled dependents in coverage, you’ll be asked to submit documentation to verify their eligibility.

Think you’re ready to enroll or waive coverage? Visit the Benefits Service Center to submit your elections.

With our round-the-clock workforce, American offers both online and in-person resources to help you manage your health and well-being at work and at home.

You don’t have to wait to save for your future at American.  Here, you can participate in our 401(k) plan, administered by Fidelity, beginning on day one. You become eligible for employer contributions after one year of service. To help you meet your investment goals, the plan offers you a range of investment options along with low expense ratios and low plan fees. Balances with previous employers are eligible to be rolled over into the American plan.

Looking for more information?  Login to your account at www.netbenefits.com/aa where you’ll have access to free financial education resources, retirement tools and one-on-one consultations for personalized guidance. For assistance, please call the American Airlines 401(k) Service Center at Fidelity at 800-354-3412.