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

Getting started

For 2024, 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.


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.

How the Retiree Standard Medical option works

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.



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.


Retiree Standard Medical

Deductible (Single)$150$150
Deductible (Family)$400$400
Out-of-pocket maximum (single)*$1,150$1,150
Out-of-pocket maximum (family)*$3,400$3,400
Individual lifetime maximum benefit$300,000$300,000
*Out-of-pocket maximum includes your deductible.

What you pay after your deductible

Primary care provider20%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 CVS Caremark negotiated rate.


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).

2024 contributions

Retiree/Spouse Only$2,171$26,052
Retiree + 1$4,342$52,104
Retiree + 2 or More$6,513$78,156

Via Benefits

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.



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.


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.


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

Retiree Survivor Guide

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