Review your options with a company retiree medical plan or Via Benefits.

Getting Started

For 2021, if you retire before age 65 you can enroll in the Pre- 65 Retiree Standard Medical (RSM) 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.

American Pre-65 Retiree Medical

Enrollment Information

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

You can enroll in retiree medical any time after retirement. 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.


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

How the Retiree Standard Medical Option Works

If you enroll in the Retiree Standard Medical (RSM) 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. Express Scripts will provide your prescription drug coverage with both retail and mail order options.



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.


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.


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.


RSM Option Features

Deductible (Single)$150$150
Deductible (Family)$400$400
Out-of-pocket maximum (single)*$1150$1150
Out-of-pocket maximum (family)*$3400$3400
Individual lifetime maximum benefit$300,000$300,000
*Out-of-pocket maximum includes your deductible.

What you pay after your deductible

Primary care physician20%40%
Specialist office visit20%40%
Urgent care clinic20%40%
Inpatient hospitalization20%40%

Prescription Coverage


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 Express Scripts negotiated rate.


Up to a 90-day supply 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 drugs cost $25 per prescription or refill, plus the cost difference between brand name and generic prices (no maximum).

2021 RSM Contributions

Retiree/Spouse Only$1,293$15,516
Retiree + 1$2,586$31,032
Retiree + 2 or More$3,879$46,548

Via Benefits

Once you retire, American has agreed to allow Via Benefits to offer you and your dependents options for health care coverage on the individual market. Via Benefits offers additional options that may have better coverage and/or lower costs than the American retiree plans.

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 advisors who assist you with your plan selection
  • Ongoing support from a benefit advisor throughout the year who will answer your questions, help you with claims and work with carriers on your behalf



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 benefit advisors can assist you with determining whether you are eligible for a federal subsidy.


A licensed benefit advisor 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. Via Benefits is not an insurance company and their services are free of charge to American retirees.


To help you decide which plan is best for you, contact a certified and licensed benefit advisor from Via Benefits. Advisors 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 advisor

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 by visiting