Welcome to Aptia365
2027 Medicare Annual Enrollment: Take Time to Review Your Coverage
Medicare Annual Enrollment is October 15 through December 7. If you have a Medicare Advantage or Medicare Part D prescription drug plan, this is an opportunity to review your current coverage and compare the options available for the coming year.
Five things to do during Annual Enrollment:
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Review your renewal notice
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Review the information from your insurance company to understand any changes to your current coverage for the coming year, including costs, prescription drug coverage, and provider networks.
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Confirm that your premium payment information is current with your insurance company, if applicable.
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Locate or verify your PIN: Your Aptia PIN gives you access to your personalized profile in the Plan Compare tool. Look for the PIN in your annual enrollment letter from Aptia.
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Access the Plan Compare tool to review Medicare plan options available in your area and compare coverage and costs.
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Update your profile to make sure your current prescriptions, dosages and frequencies are accurate. If you're reviewing Medicare Advantage plans, update your doctors, specialists and other providers as well. Keeping this information current helps make your plan comparison more meaningful.
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Review your available plan options
If your current plan continues to meet your needs and is renewing, you generally do not need to take action. If you decide to enroll in a different Medicare Advantage or Part D plan, complete your enrollment by December 7 for coverage beginning January 1.
View the Webinar: Preparing for Medicare Annual Enrollment
Our focus is to help you learn and manage your individual health care options now and in the future
VIEW A WEBINAR
View a recorded webinar in the video library to learn more about Aptia365 and how we can assist you.
SCHEDULE A CONSULTATION
Schedule a consultation at a time that works for your schedule. After answering a few questions to understand your needs, you will select a day and time for your one-on-one consultation with a benefits counselor.
We've provided education and enrollment support in individual plans for retirees since 2007
One-on-one benefits counselor support
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Consultation during a scheduled phone call
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Education on coverage options
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Review of insurance plans available in your area
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Help with deciding which plans meet your healthcare needs and budget
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Help with the enrollment process
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Year-round support when you need it
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Provide access to educational information and plan shopping resources
How do we help?
Aptia365 services are provided at no cost to you
EDUCATIONAL RESOURCES
Documents and videos to help you use the tools and resources and learn more about your options
Prepare for Your Consultation
Find out how to connect with a benefits counselor, how to make the most of your consultation, and what will happen during the call.
Scheduling Your Consultation
Use the online scheduling tool or call to schedule
You can schedule a consultation by using our online scheduling tool. If you prefer to call, please refer to the toll-free phone number on the Contact Us page.
Whether you use the online tool or schedule by phone, you will be asked a few questions that will help us identify the type of consultation appointment you need. Answering the questions will also help the Aptia benefits counselor prepare for your consultation.
You should plan for your scheduling call to last 5-10 minutes.
Review your Enrollment Guide prior to the call so you are familiar with the consultation process.
Be ready on the date and time you selected for your consultation, and...
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Review your Enrollment Guide in advance of the call.
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Have your current plan information available.
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Know what prescription drug medications you are taking (name, dosage, frequency). Refer to the Healthcare Provider & Prescription Drug Information section below for more information on compiling your prescription drug list.
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Know what providers and facilities you use, including the address.
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Allow 60 minutes for your initial consultation and, if you are Medicare-eligible, ensure you have your Medicare (red, white, and blue) ID card available for your consultation. You will need to provide both your Part A and Part B effective dates.
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Make certain any family member or caregiver is available for the call if desired.
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Wait for your benefits counselor to call you.
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Promptly reschedule the consultation if you find you cannot keep the appointment you originally scheduled by calling the toll-free number listed under the Contact Us tab at the top of this page.
Healthcare Provider & Prescription Drug Information
Start by keeping track of your individual healthcare coverage needs. Providing correct and complete information about your healthcare providers and prescription drugs will help your benefits counselor analyze your coverage needs.
If you are Medicare-eligible or soon will be, you can use our online tool to create a medication list that will be needed to review prescription plan options.
You will need to log into our Plan Compare portal to complete this process and will need a PIN provided by Aptia365. Follow the directions to View Plans on the Learn About Plan Options (Shop & Compare) page on this site.
Once you log in, follow directions to enter your Prescription and Pharmacy preferences to update your profile. You can use the tool to see what prescription drugs are covered by the various plans.
You can use this form to collect the provider and prescription drug information you will need to provide when you are reviewing plan options. Once you've documented your lists, you can use the online tools to upload this information to your profile.
Help From a Caregiver
Do you have a son, daughter, other family member or caregiver who would like to help you with your health coverage selections?
We welcome their participation throughout the entire process, with your approval. You have the power to choose who, how long and what personal information can be discussed. We provide a Personal Information Authorization Form that gives us permission to speak with one or several people of your choice. Simply download, complete, and return the Personal Information Authorization Form to retiree.exchange@aptia-group.com.
Submitting this document authorizes us to provide assistance (for up to three years) without you physically being part of any conversation with a benefits counselor. We can discuss information about your insurance eligibility, plan enrollment, premiums and payment information, and personal health history or status. However, submitting this document does not allow us to enroll you in any health insurance plan without the appropriate Power of Attorney documentation on file. If you need to arrange for a Power of Attorney, please make your benefits counselor aware so they can provide the necessary information to you.
Personal Information Authorization Form
When you complete and email the form below, your caregiver will be able to assist you with many, but not all, of your health care insurance needs.
Download and complete the authorization form below. You will need to save a copy of it to your computer before you email it to us; your information will not be automatically saved, so if you close the form before saving your information, it will be lost and you will need to start again.
Learn About Plan Options
Learn more about the benefits, process of enrolling and selecting the plans for you and your family.
Medicare Plans
If you want coverage other than Original Medicare (Parts A and B), in most cases you will choose either a Medicare Supplement and a Medicare Advantage plan. Use this chart to learn more about these plan options.
When you enroll in Original Medicare (Parts A and/or B) with or without a Medicare Supplement plan, you will need to enroll in a Part D Prescription Drug Plan to have coverage for outpatient prescription drugs you get at a pharmacy or through mail order. Most Medicare Advantage plans include prescription drug coverage (Part D).
You can use our plan comparison tool to review Medicare Advantage, Medicare Supplement and Part D Prescription Drug plans available in your area. Use the tool to enter your preferences, as well as the providers and prescriptions you use, to find plans that align with your health needs and budget.
IMPORTANT INFORMATION FOR 2027 PRESCRIPTION DRUG PLAN REVIEW:
While our plan comparison tool can help you explore Medicare coverage options, some standalone Medicare Part D Prescription Drug Plans may not be displayed. If your primary goal is to enroll in a standalone Part D prescription drug plan, we recommend also reviewing available plans through Medicare's Plan Finder on Medicare.gov for a complete view of your options.
If you have a PIN* provided by Aptia365
When you log in with your PIN and your date of birth, you will be asked to confirm an email or phone number to receive an authorization code to complete the Multi-Factor Authentication process. If after entering your PIN and date of birth you find that there is no email or mobile number in our records or that the information is incorrect, you may provide your email or mobile number to us by using the "Update Email or Mobile" link on the Contact Us tab of this website to enter your email and/or your mobile phone number in the applicable boxes or by calling our contact center to provide it over the phone.
*Your PIN is 10 alpha-numeric characters and begins with a letter. Aptia365 can provide a PIN once your profile is set up over the phone.
If you do not have a PIN* provided by Aptia365
You can view plans available in your area, but will not be able to save your profile. Contact Aptia365 to set up a profile and obtain a PIN. Once you have a PIN, follow the instructions below for viewing plans with a PIN.
Pre-65/ACA Plans
1. Identify your current state of residence
If you reside in a state that has its own exchange – as listed below – please click on the state to view available plans.
If you reside in a state that is not listed, please visit healthcare.gov to navigate to and access the federal marketplace.
2. Review plans in your area
As you look at plan options, consider whether your doctors and facilities are in the network. You should also review your prescription drugs to ensure you understand the prescription drug formulary requirements. If you find a plan that meets your needs, you can enroll on your own or work with an exchange navigator.
3. Schedule a consultation if you would like to learn more
Have additional questions about pre-Medicare plans and what you need to consider as you weigh your options? You can schedule a consultation with an Aptia365 benefits counselor.
Dental Insurance
Enrolling in dental insurance can be a cost-effective way to address the costs of annual exams and related services such as fillings and extractions. Dental insurance can play an important role in your health. Since people with dental insurance are more likely to visit the dentist, a solid insurance plan can help you maintain good oral health, which promotes your overall health.
Compare dental plans available in your area:
Vision Insurance
Vision insurance is a type of supplemental insurance that can help pay for yearly eyesight exams, glasses and/or contact lenses. With vision insurance, you will also have access to eye doctors who are focused on keeping your eyes healthy by detecting conditions such as glaucoma or cataracts.
Compare vision plans available in your area:
Emergency Medical Transport Protection
Dental and vision plans help protect your everyday health. MASA® helps protect you when the unexpected happens with financial assistance for eligible out-of-pocket emergency ground and air ambulance expenses and provides valuable support if you're hospitalized away from home. Review your options and enroll online in just a few minutes.
Membership plans are available for residents of AL, AZ, AR, CA, CO, CT, FL, GA, HI, ID, IL, IN, KS, LA, ME, MN, MS, MO, NE, NV, NC, OH, OK, OR, SD, TN, TX, VA, VT, and WI.
Reimbursement Account
Find all the resources you need to manage your reimbursement account
On this page
Access your Reimbursement Portal
How to file a claim?
You can submit a reimbursement claim by completing the form linked below or through the YourFlexBenefits Portal. Review the instructional guide for more information about these options.
- Access YourFlexBenefits Portal
- Download the Reimbursement Claim Form
- Review the Reimbursement Instructional Guide
What is reimbursable?
When you enroll in a medical plan with Aptia365, you are eligible for a Health Reimbursement Arrangement (HRA). The HRA may be used for reimbursement of your eligible expenses. Review the list of eligible expenses in the Documents section of the Help and Support tab.
How to register with YourFlexBenefits
How to file a reimbursement claim
How to view your reimbursement transactions
Update your email address and phone number
Using the Mobile App
Download the mobile app Your Flex Benefits, available in the Apple App Store and Google Play. A one-time registration is required to use the app. Register using your name, zip code, and Benefits Card number, if applicable. The Your Flex Benefits mobile app will guide you to confirm your identity, create a User ID, and choose and confirm a password that meets the provided specifications.
Click Here for detailed mobile app instructions.
Help and Support
Our focus is to help you learn and manage your individual health care options now and in the future.
On this page
Documents and Guides
Medicare Enrollment Guide
Pre-65 Enrollment Guide
Medicare Supplement and Medicare Advantage Comparison
Medicare Eligible Expenses
Pre-65 Eligible Expenses
Medicare Enrollment Periods
Video Library
Introduction to Medicare
Introduction to Aptia365
Scheduling an Appointment
Updating your Prescription Drug List
Medicare Resources
People with Medicare, family members, and caregivers can visit Medicare.gov, the Official U.S. Government Site for People with Medicare, for the latest information on Medicare, benefits, and other helpful tools.
1-800-MEDICARE (1-800-633-4227)
This site has information about ordering a replacement Medicare card, changing your address or phone number, and applying for Social Security Retirement Benefits.
1-800-772-1213
The Department of Veteran Affairs website has information on VA programs, veterans’ benefits, VA facilities worldwide, and VA medical automation software.
1-800-827-1000
Other VA Phone Numbers
TRICARE for Life (TFL) is expanded medical coverage for Medicare-eligible uniformed service retirees age 65 or older, their eligible family members and survivors, and certain former spouses.
1-866-773-0404
Other Tricare Phone Numbers
This web site provides information for federal retirees and surviving spouses of federal employees that need to keep their health coverage.
1-202-606-1800
The Center for Medicaid and CHIP Services (CMCS) is one of six Centers within the Centers for Medicare & Medicaid Services, an agency of the U.S. Department of Health and Human Services (HHS). CMCS serves as the focal point for all national program policies and operations related to Medicaid and the Children’s Health Insurance Program (CHIP).
The NIH Senior Health website containing information for older adults was developed by the National Institute on Aging and the National Library of Medicine, both part of the National Institutes of Health. This website contains a wide range of information on many health topics including: Alzheimer’s disease, Arthritis, Balance Problems, Breast Cancer, Colorectal Cancer, Diabetes, Exercise for Older Adults, Hearing Loss, Lung Cancer, Prostate Cancer, Taking Medicines, and many more.
Medicare FAQs
Usually, no. Most nursing home care is custodial care (help with bathing, dressing, using a bathroom, and eating.) This care is not covered by Medicare. Medicare Part A only covers skilled care given in a certified skilled nursing facility. You must meet certain conditions and coverage is limited. For more information about Medicare skilled nursing care, please see “Medicare Coverage of Skilled Nursing Facility Care” on the Medicare website by clicking here.
If you have limited income and resources, Medicaid may help cover nursing home costs. For more information about Medicaid, call your State medical assistance office.
Medicare does not cover routine dental care or most dental procedures such as cleanings, fillings, tooth extractions or dentures. In rare cases, Medicare Part B will pay for certain dental services. In addition, Medicare Part A will pay for certain dental services that you get when you are in the hospital. Some Medicare Advantage plans may include dental benefits.
You can file for Medicare online using the Social Security website when you file for retirement or disability. You also can file for just Medicare if you do not wish to start receiving your retirement benefits.
If you do not wish to apply online you can make an appointment by calling 1-800-772-1213. People who are deaf or hard of hearing may call the Medicare “TTY” number, 1-800-325-0778, between 7 a.m. and 7 p.m. on business days.
If you are already receiving Social Security benefits, you will automatically be enrolled in Medicare Parts A and B. However, because you must pay a premium for Part B coverage, you have the option of turning it down. You will be contacted by mail a few months before you become eligible and given all the information you need. (Note: Residents of Puerto Rico or foreign countries will not receive Part B automatically. They must elect this benefit.)
Some people don’t need Medicare Part B because they are still covered by an employer group plan or their spouse’s health plan. However, if you do not join Part B right away and you are not covered under another health care plan, the Part B premium will increase 10 percent each year after you were first eligible to purchase it. Call 1-800-MEDICARE (1-800-633-4227) for more information, 24 hours a day, 7 days a week. TTY/TDD users should call 1-877-486-2048.
Most people sign up for and buy Medicare Part B. If you want to join a Medicare Supplement or Medicare Advantage plan, you will need to have both Medicare Parts A and B. Call the Social Security Administration at 1-800-772-1213 or visit their website for more information or to enroll.
If you keep working after you turn 65, you may sign up for Medicare Part A as long as you are not contributing to a Health Savings Account (HSA). (If you continue to contribute to an HSA after reaching Medicare eligibility, you should stop contributing six months prior to enrolling in Medicare Part A.)
If you have health coverage through your employer or union, Part A may still help pay some of the costs not covered by your group health plan. Call the Social Security Administration at 1-800-772-1213 to sign up. However, you may want to wait to sign up for Medicare Part B if you or your spouse are working and have group health coverage through you or your spouse’s employer or union. (See note below if you work for a small company.) You would have to pay the monthly Medicare Part B premium, and the Medicare Part B benefits may be of limited value to you as long as the group health plan is the primary payer of your medical bills. In addition, you would start your 6-month Medigap open enrollment period during a time when it will not be of most use to you. For more information on your Medigap open enrollment period, please click here.
Note: If you are age 65 or older and working for a small company (less than 20 employees), you should talk to your employee health benefits administrator before making any decision not to take Medicare Part B. If your employer has less than 20 employees, Medicare is the primary payer and your group health insurance would be the secondary payer. To learn more, please click here.
If you are disabled and working (or you have coverage from a working family member), the Special Enrollment Period rules also apply. Call the Social Security Administration at 1-800-772-1213 or visit their website for more information.
There are many factors to consider before choosing Medicare coverage, such as:
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Cost — What will you pay out-of-pocket, including premiums?
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Doctor and hospital choice — Can you see the doctor(s) you want to see? Do you need a referral to see a specialist? Can you go to the hospital you want?
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Convenience — Where are the doctor’s offices? What are their hours? Is there paperwork? Are they accepting new patients? Do you spend part of each year in another state?
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Prescription drugs — Are they covered? Are your prescription drugs on the plan’s list of covered drugs (formulary)?
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Pharmacy choice — Can you use the pharmacy you want? Are the pharmacies convenient?
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Quality of care — How is the quality of the plans in your area? Information about quality is available at on the Medicare.gov.
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Benefits — Are extra benefits and services, like additional drug coverage, eye exams or hearing aids covered? (These may be covered by some plans.)
Pre-65/ACA Resources
FAQs
Health Plan Categories
Contact Us
We are here to help:
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Answer your questions
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Provide personalized educational consultations for individual health insurance
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Help you enroll in your selected health insurance plan(s)
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Provide year-round support when you need it
Update your email & phone number:
You can update your email and mobile number using the link below. This will allow you to complete the Multi-Factor Authentication process using the Plan Comparison tool.
PHONE: 1-888-264-9876
Monday - Friday 8 am - 5:30 pm ET
For the deaf or hard of hearing, please dial 711 for Telecommunications Relay
EMAIL: retiree.exchange@aptia-group.com
In the subject line, begin with name of your Employer and your First and Last name e.g., "ABC Company Jane Smith - question about a form"
MAIL:
Aptia365
PO Box 9034
Brentwood, NY 11717
Note: claims-related mail should be sent to the address noted on reimbursement guide and in your reimbursement account portal
