DISCLAIMER

For Official Plan Documents - Contact American Airlines

Disclaimer - The content (summary) of benefits included on this website is for informational purposes only. It should not be considered as, or substituted for, the official Plan Documents of American Airlines Group, Inc.

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On July 25, 2018, the Bankruptcy Court ruled that 'some' AA Retirees who retired prior to Nov. 29, 2011, which was the declaration date of Chapter 11 Bankruptcy by AMR (American Airlines, Inc.) would retain their retiree medical insurance benefits. There are specific requirements to qualify for retiree medical insurance from AA which are based on management/non-management workgroups, union/non-union, your age, and the date of your retirement from AA.

Retirees Medical Plan

AA's RETIREES PLAN

Effective January 1, 2025

AA changed its Retirees' Medical Plan and Administrator from United Healthcare to a Humana

(PPO Group Advantage Plan).

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2026 - ANNUAL NOTICE OF CHANGE (ANOC) LETTER

From NOW until September 30, 2026 those enrolled in

Medicare Advantage (MA),

Medicare Supplement (Medigap

Effective January 1, 2025

AA changed its Retirees' Medical Plan and Administrator from United Healthcare to a Humana

(PPO Group Advantage Plan).

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2026 - ANNUAL NOTICE OF CHANGE (ANOC) LETTER

From NOW until September 30, 2026 those enrolled in

Medicare Advantage (MA),

Medicare Supplement (Medigap)

Medicare Part D (RX) will receive an

Annual Notice of Change (ANOC) letter from their insurance companies or company plan administrators notifying them of changes made to their 2026 healthcare insurance policies for plan year starting January 1, 2027.

ANOC letters inform you about any benefit changes or changes to premiums, deductibles, copays, coinsurance or out-of-pocket maximums.

However, if your ANOC or another letter informs you that your plan is not being renewed or is being terminated effective December 31, 2026, you must understand the options available to you.

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To review all the details the ANOC letter Jjust click on the box below to display the MEDICARE FACTS page on another page of this website.

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MEDICARE FACTS

HUMANA - OUT OF NETWORK

Many medical providers and facilities may not accept Humana in the ares where you live. ______________________________________

AA’s MEDICAL RETIREES PLAN is a Humana ADVANAGE PPO PLAN

(Preferred Provider Organization)

MEDICAL FACILITIES & PROVIDERS who do not accept Humana means you are receiving services out-of-network.

You still have co

Many medical providers and facilities may not accept Humana in the ares where you live. ______________________________________

AA’s MEDICAL RETIREES PLAN is a Humana ADVANAGE PPO PLAN

(Preferred Provider Organization)

MEDICAL FACILITIES & PROVIDERS who do not accept Humana means you are receiving services out-of-network.

You still have coverage, but you will pay a significantly higher share of the cost than if you saw an in-network provider.

1. Key Costs with a Humana PPO Out-of-Network Separate Deductibles

You have to meet a separate, much higher out-of-network deductible before Humana pays anything.

2. Higher Coinsurance: You will pay a larger percentage of the bill (e.g., 50% out-of-network vs. 20% in-network).

3. Balance Billing: Out-of-network doctors can bill you for the remaining balance that Humana's standard allowed amount does not cover.

4. Higher Out-of-Pocket Maximum:

The safety net limit on your maximum yearly spending is much higher for

out-of-network care.

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MEDICARE FACTS

AA BANKRUPTCY FILING - NOV 29, 2011

BY ORDER OF THE ..... BANKRUPTCY COURT

On November 29, 2011, AMR Corp., the parent company of AA and American Eagle, and certain of its U.S. based subsidiaries (including AA & AE) filed voluntary petitions for Chapter 11 Reorganization in the U.S. Bankruptcy Court for the Southern District of New York.

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On July 25, 2018, the U.S. Bankruptcy Court, for SDNY entered an Agreed Order to provide some classifications of AA Retirees medical benefits and based on the following stipulations.

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RETIREES' MEDICAL PLANS

Below is an "unofficial summary" of the AA Retiree Medical Plans and what workgroups qualified for them. This may not be an all-inclusive list of those who are eligible, and/or not eligible for the plans based on union contracts in effect at the time of the bankruptcy filing and subsequent decisions by the Bankruptcy Court.

1. NOT ELIGIBLE: Pilots.

They have access to a union-sponsored supplemental health plan.

2. NOT ELIGIBLE

Article 30 Flight Attendants.

3. NOT ELIGIBLE

As of January 10, 2010

Officer, Management/Specialist & Support Staff; who are over 65 yrs.

of age.

4. ELIGIBLE

AA Retiree Standard Medical (RSM).

Officer, Management/Specialist & Support Staff

--- If you retired on or before Dec. 31, 2010.

--- The plan will end when you become eligible for Medicare.

5. ELIGIBLE

AA Retiree Standard Medical (RSM).

Agents, Representatives & Planners

--- If you retired prior to Jan. 1, 2011.

--- If you retired after Jan. 1, 2011, you are not eligible.

--- The RSM Plan will continue until you reach age 65 yrs.

--- Coverage will end when you become eligible for Medicare.

6. ELIGIBLE

SUPPLEMENTAL MEDICAL

FAs, TWU Represented Employees Agents, Representatives & Planners

--- If you retired on, or before

Dec. 31, 2010.

Benefits Prior to 2011

BY ORDER OF THE ..... BANKRUPTCY COURT

"UNOFFICIAL" SUMMARY

RETIREE MEDICAL BENEFITS

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RETIREES BENEFITS GUIDE

IF YOU RETIRED BEFORE 11/01/2012

Included in the Guide

--- Retiree Standard Medical (RSM)

--- Retiree Value Plus Option

--- Retiree HMO (RHMO)

--- Supplemental Medical Plan

--- Medicare Coverage

--- Retiree Life Insurance Benefit

--- Long-Term Care Insurance

You will need to copy and paste the following link into your browser.

A (287) page .pdf document will be displayed. You should download this document to your computer. This Guide will help you 'UNDERSTAND" the Retiree Medical Benefits you have now if you retired prior to November 1, 2012.

https://my.aa.com/wp-content/uploads/2017/08/12275_rbg_aa_prior.pdf

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RETIREES MEDICAL GUIDE

IF YOU RETIRED AFTER 11/01/2012

Included below is the website link to the AA Medical Benefits Guide

Included in the Guide

--- AA Pre-65 Retiree Medical

Retiree Standard Medical (RSM)

--- Prescription Coverage

2019 RSM Contributions

-- Legacy US Airways Pre-65 Medical

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A retiree must enroll in the Supplemental Medical Plan at the time you first initiate your retiree medical.

If you do not enroll for coverage at this designated time or do not maintain the coverage through your retirement, you are not eligible for this coverage.

This is a term (year-to-year) plan. You must maintain your coverage every year.

My.AA.com/Retiree-Benefits

Pre-Funding AA Retiree Medical

When American Airlines employees "prefunded their medical," it meant they made regular payroll contributions over the years into a special trust fund to pay for their own health insurance after they retired.

HOW PRE-FUNDING WORKED

Mandatory contributions: Starting around 1990, active employees had to contribute a set amount each month on an after-tax basis to be eligible for retiree medical coverage.

Company Matching American Airlines also contributed or matched funds into the trust.

Dedicated Trust The money was kept in a protected trust fund (similar to a VEBA) that could only be used for retiree healthcare costs and investment growth.

Eligibility Rule Workers typically needed at least 10 years of contributions and to reach a certain age to qualify for company-subsidized medical benefits in retirement.

ELIMINATED PRE-FUNDING

During its 2011–2012 bankruptcy restructuring, American Airlines changed its benefit programs and eliminated the prefunding system.

WHAT CHANGED?

The company stopped collecting these contributions and refunded the accumulated money—along with any investment earnings—back to the ACTIVE EMPLOYEES (NOT RETIREES) who had paid into the trust.

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American Airlines returned its matching funds to eligible employees from the retiree medical prefunding trust.

When American Airlines eliminated its retiree medical prefunding program during its Chapter 11 bankruptcy restructuring, a multi-step refund process was established for affected employee groups (such as Transport Workers Union (TWU)-represented employees).

The Employee Share Employees initially received checks reimbursing their personal prefunding payroll contributions plus all accumulated investment earnings.
The Company Match Because the trust structure legally mandated that funds could only be spent on retiree healthcare.
American Airlines could not simply absorb or reclaim its historical matching contributions.
Through subsequent labor agreements and the successful resolution of the Section 1114 bankruptcy retiree process.
American Airlines agreed to refund the company's matching contributions directly to the employees as a cash payout, subject to applicable tax withholdings.

ALLIED PilOTS ASSOCIATION

APA Benefits Overview

With custom-tailored benefit plans that fit your specific needs throughout your career and into retirement, only APA provides members with custom-tailored benefit plans that fit your specific needs, flexibility to do what needs to be done when it needs to be done, and an unmatched level of independence and care..

APA MEDICAL WEBSITE