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Foreign Service Benefit plan

Caring For Your Health Worldwide®

Frequently Asked Questions

FSBP — Aetna Medicare Advantage FAQs

Click on a question. Get an answer.

About the plan

As a FSBP High Option member you have the opportunity to opt in to the FSBP — Aetna Medicare Advantage plan.
The plan offers added value with $0 deductibles, prescription drugs with copays as low as $2, and a monthly credit to reduce Medicare Part B premiums.

It also provides access to programs and services such as Healthy Home Visits, meals after a hospital stay, nonemergency transportation for medical care and SilverSneakers®.

Federal retirees with Medicare Parts A and B will continue to pay Part B premiums. FSBP - Aetna Medicare Advantage provides the same coverage as Original Medicare, but with additional benefits you wouldn’t get otherwise. You’ll also get access to programs that can help you reach your health potential, including SilverSneakers®, Healthy Home Visits and more.

  • The plan also includes a credit that reduces your Medicare Part B premiums by $75/month (up to $900/year) per eligible member.
  • You can see any provider that is licensed to receive Medicare payments and accepts the plan.

Selecting FSBP — Aetna Medicare Advantage does not change your FSBP premium or enrollment code.

IRMAA is an amount you may have to pay in addition to your Part B or Part D premium if your income is above a certain level. If you are expected to pay IRMAA, SSA will notify you.

Members are automatically enrolled in a Medicare Part D plan when they opt into the plan. The cost is included in the premium unless member is subject to IRMMA.

No. This plan is a special offering available to you when you’re enrolled in the FSBP High Option, through the FEHB program, and have Medicare Parts A and B. By opting in to FSBP — Aetna Medicare Advantage you’ll receive enhanced benefits without suspending your FEHB coverage.

For existing FSBP members who opt in to FSBP — Aetna Medicare Advantage, you will receive a new ID card after you provide your Medicare information. You should always present this new card when asked for insurance information.
For new FSBP High Option members, you will initially receive a FSBP ID card. After you provide your Medicare information, you will receive a second ID card that indicates you are in the FSBP — Aetna Medicare Advantage plan. You should always present your FSBP — Aetna Medicare Advantage ID card when asked for insurance information.

You have options:

  • Review the Plan brochure and other information on this website.
  • Call us at  1-866-241-0262  (TTY: 711), Monday–Friday, 8 AM–8 PM ET.

Enrollment

It’s easy. If you’re currently enrolled in FSBP and retired with Medicare Parts A and B as your primary coverage and reside in the 50 United States, you can opt in by visiting AetnaRetireeHealth.com/FSBP and select Register now or by calling us at 1-866-241-0262 (TTY: 711), Monday–Friday, 8 AM–8 PM ET.

Simply provide us with your effective dates for Medicare Parts A and B along with your Medicare Beneficiary ID number.

Participation in the FSBP — Aetna Medicare Advantage plan is voluntary. You must choose to participate. Since FSBP — Aetna Medicare Advantage is a Medicare Part C plan, we need your Medicare information to complete your enrollment per regulations set by the Centers for Medicare & Medicaid Services (CMS). Providing us with your Medicare information will allow us to enroll you in the FSBP — Aetna Medicare Advantage plan.

Coverage will be effective the first day of the month following enrollment.

You can opt in to this plan any time during the year, not just open season.

Opting in to the FSBP — Aetna Medicare Advantage plan is voluntary.  If you decide to opt in, you will continue to be a member of FSBP.  If you change your mind after opting in, you can switch back to your existing FSBP High Option coverage at any time, not just during open season.

Yes, you may return to the FSBP High Option plan. To do so, call us for a disenrollment form at 1-866-241-0262 (TTY: 711), Monday–Friday, 8 AM–8 PM ET.

Doctors and networks

No. With the FSBP — Aetna Medicare Advantage, you have the freedom to see any licensed doctor or hospital as long as they accept Medicare payments and FSBP — Aetna Medicare Advantage — even if they’re not in the Aetna network.

Pharmacy

The FSBP — Aetna Medicare Advantage prescription drug benefits are managed by CVS Caremark®.

With FSBP – Aetna Medicare Advantage, your prescription copays for a 30-day supply will be:

  • $0 for a preferred generic drug at a preferred pharmacy, $2 at a standard pharmacy
  • $10 per covered non-preferred generic drug
  • $40 per covered preferred brand-name drug
  • $75 per covered non-preferred brand-name drug
  • 25% for specialty drugs ($150 maximum)

Yes, mail-order pharmacy is available for maintenance medications. Your share of the cost for a 90-day prescription will be:

  • $0 for a preferred generic drug at a preferred pharmacy, $4 at a standard pharmacy
  • $15 per covered non-preferred generic drug
  • $60 per covered preferred brand-name drug
  • $150 per covered non-preferred brand-name drug
  • 25% for specialty drugs ($150 maximum)

The plan uses a formulary list of covered medications. It can be found at FSBPhealth.com/retirement-medical-details.

FSBP — Aetna Medicare Advantage is a Medicare Part C plan. Medicare pays Aetna to administer the plan and cover your claims. You do not need to do anything after opting in but be sure to use your FSBP — Aetna Medicare Advantage ID card when you get care. And let your doctors and pharmacy know you have a new plan.

You pay $0 when you visit a provider who is eligible to receive Medicare payments and accepts the plan, even if they’re not in the Aetna network.

Dental and vision

The FSBP - Aetna Medicare Advantage includes up to $750 in dental benefits for each covered
member including:

  • 100% coverage for preventive care
  • 50% coverage for other services after a $25 deductible

Routine eye exams are covered at 100%. Plus members will also receive an eyewear reimbursement of $300 every 24 months.

Member perks

Health advocacy and wellness programs are included with your plan for no extra cost. Most of these programs are only available if you have selected the FSBP — Aetna Medicare Advantage plan.

SilverSneakers®: An overall wellness program that may help you improve your health and live the life you want. The program gives you access to exercise equipment, classes and fun social activities at thousands of locations nationwide.

Teladoc®: Licensed providers that you can meet with online, by phone or mobile app anywhere in the U.S.

Hearing aid reimbursement: Hearing aid reimbursement for retirees is $4,000/every 36 months.

Resources For Living®: Aetna signature program helps you find the resources you need in your daily life. With just one call, a life consultant can help you find local resources to make life easier and treat your entire health, including your social and mental well-being.

Nonemergency transportation program: A program that ensures you make it to and from doctor or hospital appointments without always having to rely on family or friends.

Meal benefit program: Aetna offers a meal benefit through our relationship with NationsMarket for members recently discharged from the hospital. The program offers 14 home delivered meals; convenience for when making a meal is a difficult option.

Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. 

For all of the details visit FSBPhealth.com/retiree Or call us at 1-866-241-02621 (TTY: 711),  Monday–Friday, 8 AM–8 PM ET.

Enroll now
If you’re currently a FSBP member, you can opt in by visiting AetnaRetireeHealth.com/FSBP by calling us at 1-866-241-0262  (TTY: 711), Monday–Friday, 8 AM–8 PM ET. Provide us with your effective dates for Medicare Parts A and B and your Medicare Beneficiary ID number (conveniently located on your Medicare ID card).

If you are new to FSBP, the FSBP - Aetna Medicare Advantage requires two easy steps for retirees with Medicare Parts A and B:

Step 1:  Enroll as you normally would. Civil service retirees will go through the OPM Retirement website at RetireeFEHB.OPM.gov
Or you can call 1-888-767-6738  (TTY: 711). Foreign Service retirees should email HRSC@state.gov or call 1-843-308-5539 (TTY: 711). Enroll in the FSBP High Option plan using enrollment code 401, 402 or 403. If you are enrolled in FSBP already, proceed to step 2.

Step 2:  Provide us with your Medicare information. Once you are enrolled through the OPM Retirement website, your basic information will be transferred to us. (Please allow 7–10 business days.) In addition, we will need the following to complete your enrollment which are located on your Medicare ID card:

  • Your Original Medicare effective dates for Parts A and B
  • Your Medicare Beneficiary ID number

You may go to AetnaRetireeHealth.com/FSBP or call us at 1-866-241-0262 
(TTY: 711), Monday–Friday, 8 AM–8 PM ET and provide us with this information.

Member tools

Select Medicare Provider Lookup 

Step 1: Enter your home zip code

Step 2: Select ‘plan year’

Step 3: Select Employer or group-sponsored retiree plan and select See Plans

Step 4: Under Medicare Advantage Plans with Prescription Drugs, select PPO Aetna Medicare
Plan (PPO) with Extended Service Area (ESA)

Step 5: Select View Care Options at the bottom of page to search for providers

Step 6: Browse for providers by category

Your Aetna member website lets you save time, avoid guess work and make informed decisions about your health. You’ll be able to:

  • Find doctors, pharmacies, labs, hospitals and urgent care centers
  • Order a FSBP — Aetna Medical Advantage member ID card or print a temporary card
  • Check your coverage details
  • Keep track of health care costs

You can manage your benefits and connect with care by logging in to your Aetna member website. Once logged in you’ll be able to:

  • View your health plan summary and get information about what’s covered
  • Track spending and progress toward meeting your deductibles for you and your family
  • Access your ID card whenever you need it
  • View claims details and pay your claims
  • Search for facilities, procedures and medications
  • Find in-network providers accepting new patients
  • Estimate and compare costs

Look what else you can do with your Aetna member website:

  • Complete an online health assessment
  • Print records of preventive shots and checkups
  • Get healthy living tips
  • Check claims
  • Check balances on claims and much more

Register and log in
Have your FSBP — Aetna Medicare Advantage member ID card ready. You’ll receive it after you enroll:

  • Step 1:  Go to Aetna.com
  • Step 2:  Select ‘Login’ link, then ‘Register’
  • Step 3:  Follow the simple prompts

That’s it. Log in anytime, from anywhere you have internet access.

Talk to a doctor 24/7

  • Teladoc Health is a low cost, convenient and quality alternative to emergency room and urgent care for nonemergency medical care.
  • Care is available 24 hours a day, 7 days a week, 365 days a year by web, phone and the Teladoc Health mobile app.
  • Telehealth consultations are available to for the following specialties through our telehealth vendor, Teladoc Health:
    • Doctors of Medicine (MD)
    • Doctors of Osteopathic Medicine (DO)
    • Nutritionists
    • Licensed Clinical Social Workers (LCSW)
    • Psychiatrists
    • Psychologists
    • Dermatologists

Teladoc Health provides access to U.S. board-certified doctors who can prescribe medical treatment for a wide range of conditions and can send a prescription to your pharmacy of choice, when necessary. Teladoc Health is available wherever you are — at home, work, or traveling in the United States.
Get started at: Teladoc.com/Aetna.

Teladoc Health is not available to all members. Teladoc Health and Teladoc Health physicians are independent contractors and are not agents of Aetna. Visit Teladoc.com/Aetna for a complete description of the limitations of Teladoc Health services. Teladoc Health and the Teladoc Health logo are registered trademarks of Teladoc Health, Inc.

Aetna® added programs

Healthy Home Visit program
An Aetna health professional will provide you with advice in the comfort of your own home. They can also work with your doctor to help coordinate your care.

A health advocate if you need one
You may not need help today, but if you ever do, an Aetna Nurse Advocate can be a key partner in your health journey. They’ll collaborate with your doctors and help you get the most from your health plan benefits.
Help for your health conditions
They’ll work with your doctor to:

  • Create a personal treatment plan for conditions such as diabetes or heart disease
  • Connect you to resources you may need

A partner in care
They can handle the challenges of navigating complex medical issues for you such as:

  • Managing logistics of transitioning home from the hospital
  • Coordinating health and community resources with your doctors
  • Helping you and your family with any ongoing concerns

Stay healthy and earn up to $400 in gift cards by completing eligible health activities by December 31, 2024.
How can you participate? It’s easy as:
Step 1: Complete activities
Earn rewards for completing eligible activities. Each activity is worth $5 to $50 in rewards. Register or log in to your member website to get started.

Step 2: Let us know
Self-report after completing eligible activities on the member website or by calling us.
Step 3: Enjoy rewards

Redeem your rewards for a digital or physical gift card from CVS Pharmacy®, Home Depot, TJX, Starbucks, Subway, and more. Receive digital gift cards within 48 hours.

Reasons to participate

  • No cost to you
  • It’s easy to join and track your rewards
  • Learn healthy behaviors and improve your health

We’re committed to providing you with the resources, tools and support that help ensure you achieve your best health. All of our health advocacy and wellness programs are available to you — at no extra cost.

SilverSneakers®
An overall wellness program that helps you improve your health and live the life you want. The program gives you access to exercise equipment, classes and fun social activities at thousands of locations nationwide.

Teladoc® telehealth services
We partner with Teladoc, who has U.S. board-certified, state-licensed health care professionals. This virtual option provides you the added convenience of reaching health care providers online, by phone or mobile app.

Hearing aid reimbursement
Hearing aid reimbursement for retirees, to help you engage and communicate with the world around you. Reimbursement is $4,000/ every 36 months.

Resources For Living®
Aetna® signature program helps you find the resources you need in your daily life. With just one call, a life consultant can help you find local resources to make life easier and support your physical and mental well-being.

Nonemergency transportation program
A program to help you make it to and from doctors or hospital appointments without always having to rely on family or friends.

Meal benefit program
After a hospital stay, Aetna offers a meal benefit through our relationship with NationsMarket. The program offers 14 home-delivered meals — convenience for when making a meal is a difficult option.

Live webinars available
Meetings wherever you are to fit your busy schedule. Register for a live webinar hosted by the Aetna federal team and get answers to your questions. Or watch our on-demand webinars anytime to learn more about Aetna Medicare Advantage.

Personalized support
Get the help you need. Have questions or need help from a representative selecting a plan? There are multiple ways to get live help.
Use the link below to find the best way to connect live with a friendly representative.

  • Register to attend a free interactive webinar and learn more about FSBP — Aetna Medicare Advantage.
  • Have questions? Reach a representative by phone 7 days a week. Call Aetna Retiree Service Center at 1-866-241-0262  (TTY: 711), Monday–Friday, 8 AM–8 PM ET.

Aetna Medicare is a PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat Aetna members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. The formulary, provider and/or pharmacy network may change at any time. You will receive notice when necessary. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.

All trademarks and logos are the intellectual property of their respective owners. SilverSneakers is a registered trademark of Tivity Health, Inc. ©2022 Tivity Health, Inc. All rights reserved.

Aetna Resources For Living is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna).

Aetna and CVS Pharmacy® are part of the CVS Health® family of companies.

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FSBP and Medicare brochure cover

Get to know the Aetna Medicare Advantage plan

FSBP and Medicare: A guide for FSBP retiree health and prescription drug plans. As an FSBP – Aetna Medicare Advantage plan member, you have a suite of programs and services available at no extra cost to you. Download the brochure to learn more.

2025 FSBP and Medicare brochure

FSBP Aetna Medicare Advantage

It’s easy to opt in (with Aetna).

Visit AetnaRetireeHealth.com/FSBP or call 1-866-241-0262 (TTY: 711)

Monday–Friday, 8 AM–8 PM ET

Aetna Medicare is a PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. Out-of-network/non-contracted providers are under no obligation to treat Aetna members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. The formulary, provider and/or pharmacy network may change at any time. You will receive notice when necessary. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.

All trademarks and logos are the intellectual property of their respective owners. SilverSneakers is a registered trademark of Tivity Health, Inc. ©2022 Tivity Health, Inc. All rights reserved.

Aetna Resources For Living is the brand name used for products and services offered through the Aetna group of subsidiary companies (Aetna).

Aetna and CVS Pharmacy® are part of the CVS Health® family of companies.

Aetna is the brand name used for products and services provided by one or more of the Aetna group of companies, including Aetna Life Insurance Company and its affiliates (Aetna). This is a brief description of the features of the Foreign Service Benefit Plan (FSBP). Before making a final decision, please read the Official Plan brochure. All benefits are subject to the definitions, limitations and exclusions set forth in the Official Plan brochure. 

©2025