Aetna Retiree 80/20 Plan

The Aetna Retiree 80/20 plan provides coverage for Cornell retirees and their applicable dependents who are eligible for Medicare*.

You have a choice between two Medicare-based health insurance plans:

The Aetna Retiree 80/20 plan that includes OptumRx prescription drug coverage, or

The Aetna Medicare Advantage plan with prescription drug coverage provided by Aetna Medicare Rx. Once you retire, Aetna Retiree Service Center sends an enrollment guide including information about the MAPD Plan offering.

Eligibility

Yourself

• An Endowed benefits-eligible** retiree age 65+ who is Medicare-eligible or
• An Endowed benefits-eligible** employee on Long-Term Disability receiving Social Security Disability who is Medicare-eligible

Dependents: Spouse/Domestic Partner and/or Children

• The retiree must qualify for and be actively enrolled in one of Cornell’s retiree medical plans for a spouse/domestic partner and/or child(ren) to be enrolled, and  
• Must be age 65+ and Medicare-eligible, or
• Be receiving Social Security Disability and be Medicare-eligible.

*Endowed benefits-eligible retirees under age 65 who are ineligible for Medicare are enrolled in the Retiree Pre-Medicare Health Plan. 

**If you are uncertain of your eligibility status for this benefit, please contact your HR representative to review. If you are already retired and have questions regarding your eligibility for yourself and/or applicable dependents, please contact Aetna’s Retiree Service Center as listed below.  

Plan Details

• Summary of Benefits for the Aetna 80/20 Plan for Medicare-eligible Retirees (pdf): Snapshot of services
• Retiree 80/20 Plan Brochure Including Claim Examples (pdf): A more detailed description of how the 80/20 plan works
• 2025 Endowed Retiree Health Plan Rates (pdf)

Summary Plan Description

• Addendum (pdf): Recent updates
• Booklet (pdf): What the plan covers and how benefits are paid
• Schedule of Benefits (pdf): Complete details of plan

Additional Resources

• Notice of Creditable Coverage (pdf)

Questions

While every attempt has been made to ensure the accuracy of this Summary, in the event of any discrepancy the Summary Plan Description and Plan Document will prevail.