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As you begin to consider retirement, this site helps you understand your options for health care coverage and explains the steps you need to take as you shift from traditional group insurance to individual Medicare. We want you to be well informed and prepared.

Merck has partnered with Aon Retiree Health Exchange to offer retirees more flexibility, typically more affordable coverage options and personalized support. You can choose plans with benefits that are best suited for your health care needs.
Discover your health care options.
Ongoing assistance, when
you need it.
Compare and enroll in coverage that best meets your needs.
Have questions?


You may enroll in individual coverage and receive financial support if you’re eligible for subsidized retiree medical coverage and:

  • a Merck retiree who is Medicare-eligible and age 65 or older; or
  • an eligible dependent who is Medicare-eligible and age 65 or older; and
  • enroll in a medical and prescription drug plan through Aon Retiree Health Exchange.

If you’re a retiree or eligible dependent that is eligible for subsidized retiree medical but are not age 65 or Medicare-eligible, you may continue to enroll in the current Merck Group Retiree Medical Plan until you’re Medicare-eligible and age 65.

Once you retire and meet the eligibility requirements of Merck, you’re entitled to a Special Enrollment Period providing you an opportunity to enroll in individual Medicare. The Special Enrollment Period, defined by The Centers for Medicare & Medicaid Services (CMS), allows for two full months (based on your last day of group coverage) to enroll in new coverage. It’s important to plan for this change so you don’t have a gap in health care coverage.

You’ll need to make an active election during your Special Enrollment Period for medical and prescription drug coverage through Aon Retiree Health Exchange to receive the financial support from Merck. Keep in mind that you’ll need to enroll in Original Medicare Parts A and B before you can enroll in Medicare Advantage or Medicare Supplement. See additional information below in the Next Steps section.

Aon Retiree Health Exchange offers a vast selection of Medicare Advantage, Medicare Supplement, Prescription Drug, Dental and Vision plans from national and regional insurance carriers you know and trust.

The information below will help you understand Original Medicare, products available in the Medicare marketplace and special provisions available to Merck retirees and eligible dependents.


Watch videos

Learn more about Medicare coverage and the Aon Retiree Health Exchange enrollment process by viewing the videos below:

Learn About Medicare Advantage & Supplement Plans

Learn About Prescription Drug Coverage

Getting Ready to Enroll

How to Activate Your Account


Aon Retiree Health Exchange can help you make decisions and gives you access to a variety of individual Medicare options that offer you more than Original Medicare Parts A and B. This service is provided to help make selecting and enrolling in individual Medicare easy and worry-free. There’s no extra cost to you to use this service. You only pay for the coverage in which you enroll.

Aon Retiree Health Exchange connects Merck retirees with a Benefits Advisor1, a licensed insurance agent with expertise in helping you understand and compare Medicare benefits, coverage options and costs. Benefits Advisors play an integral part in ensuring your health insurance needs are met. If you’d like a spouse, caregiver, trusted friend or family member to join your pre-scheduled appointment, they’re welcome.

To make the best use of your time with a Benefits Advisor, use the Appointment Checklist to be prepared. Spend time reviewing the information on this website and the materials that’ll be mailed to you and/or eligible dependents closer to your retirement date.

More Information

Review these links for more details on Medicare, preparing for your appointment, special provisions from Merck and more:

Original Medicare: An Overview

Aon Medicare Guide

Appointment Checklist

2020 Merck Drug $0 Copay List*

2021 Merck Drug $0 Copay List*

2022 Merck Drug $0 Copay List*

2020 Merck Retiree Health Reimbursement (HRA) Summary Plan Description*

Next Steps

As you approach your retirement date or become eligible for Medicare by turning 65, you’ll receive a pre-scheduled appointment letter with a Benefits Advisor, details regarding your Health Reimbursement Account (HRA) plus a Making Sense of Medicare Guide. Aon requires you to confirm your appointment time online or by phone prior to your scheduled call, or reschedule for a more convenient time. If you do not confirm your appointment in advance, it will be cancelled. Your confirmation gives Aon permission to call you as required by CMS.

You’ll need to enroll in Original Medicare Parts A and B. If you have questions about Original Medicare and enrolling, see Original Medicare: An Overview or call Aon Retiree Health Exchange at 1-844-868-6229 (TTY 711). Be sure to have your Medicare card handy during your pre-scheduled appointment so Aon can verify that you have coverage through Medicare Parts A and B. The Benefits Advisor will need your Medicare Number and effective dates to enroll you.

Your pre-scheduled appointment letter will include your personal Aon ID to access Aon’s easy-to-navigate website, which has tools and information you’ll need to help narrow down your plan options. Go online to:

      1.  Activate your account.
      2.  Enter the names of your preferred doctors, clinics and hospitals.
      3.  Enter your prescription details, including the name of each medication, dosage and how often you take it.
      4.  Check out personalized plan comparisons and recommendations based on your health care needs.
      5. Be sure to save plans you wish to consider.

You don’t have to wait to learn more about Medicare, your coverage options or to get started. Call Aon Retiree Health Exchange today at 1-844-868-6229 (TTY 711).

Contact Us

Aon is here to help you make the right choices for your lifestyle, health needs and budget. If you have questions, call 1-844-868-6229 (TTY 711).  Representatives are available Monday through Friday, 9:00 a.m. through 9:00 p.m. Eastern Time.

1 Licensed Insurance Agents.
The information on this website applies to both Merck retirees and their eligible dependents eligible for subsidized Merck retiree medical coverage, and who are 65 or older and Medicare eligible. This website is not an official plan document or a Summary Plan Description (SPD) for any of the Merck-sponsored plans and programs described here. If any information included on this website or any verbal representation conflicts in any way with the official plan document(s), the provisions of the plan document(s), as amended, will govern. Merck reserves the right to amend or terminate its benefit plans and programs at any time.
*Information contained in the material provided has not been created, reviewed or approved by Aon. It is included herein as a courtesy to Merck and all declarations, statements, or other assertions contained within are the sole responsibility of Merck.