Start Here

Follow these important steps to make sure you have the plan you need.
about your healthcare options and
the enrollment process through
Aon Retiree Health Exchange.
for your scheduled telephone
appointment with a licensed
Benefits Advisor.
in health coverage that’s
right for you.
we're here to help answer your
questions before, during
and after enrollment.


To help eligible retirees supplement their Medicare health benefits, the The University of Maine System (UMS) recently conducted an extensive review of its group health plans compared to the health insurance options now available in the individual market. Their study showed the individual market can offer more options and flexibility in benefit choices, which could potentially cost retirees less for comparable or better health and prescription drug coverage. As a result, you now have a choice in enrolling in the individual market or remaining on your group health plan.

If you decide to enroll in the individual market, you must do so by December 7, 2021. UMS Medicare-eligible retirees and their Medicare-eligible dependents have the choice to select and enroll in individual Medicare coverage to replace their current group health plan, for coverage to be effective January 1, 2022.


UMS Medicare-eligible retirees and their Medicare-eligible dependents have the choice to retain their existing Aetna coverage.

  • For those who do enroll through the Aon Retiree Health Exchange, UMS will give the additional benefit of limiting the annual out-of-pocket maximum expense for all prescription coverage plans to $1,500.
  • UMS will be offering this choice for 2022. Retirees (and their spouses or eligible dependents) can choose to enroll in a plan(s) on the Aon Retiree Health Exchange or, if you don’t choose that option, we will re-enroll you in the University-sponsored Aetna group health plan that has been in place since 2014.
  • If you are currently enrolled in a plan through Aon and wish to remain enrolled in that plan, and it is still available, there is nothing you need to do.
  • If you are currently enrolled in the Aetna Group Health Plan, and you wish to remain enrolled in that plan, there is nothing you need to do.

For additional resources related to enrolling in coverage through Aon or retaining your existing Aetna plan, please visit the University of Maine System Employee Benefits Center.

As a Medicare-eligible retiree of The University of Maine System, you now have the option of experiencing healthcare coverage in a new way – with more choices, greater flexibility and better value.

Use this website as a resource to learn and prepare for enrolling in healthcare coverage through Aon Retiree Health Exchange or retaining your existing coverage through Aetna, both of which will begin on January 1, 2022. Let Aon help you make the move to a Medicare plan easy and hassle-free.


View Messages From The University of Maine System

University of Maine System Chancellor Dannel Malloy and Chief Human Resources Officer Carol Corcoran share important information with Medicare-eligible retirees on the transition from group coverage to the individual Medicare marketplace and provide Frequently Asked Questions and their helpful answers as well.

Chancellor Letter*
Frequently Asked Questions*


Watch Videos

Learn more about Medicare coverage and Aon Retiree Health Exchange’s enrollment process by clicking on the video links below:

Getting Ready to Enroll
How to Activate Your Account
Learn about Medicare Advantage and Medicare Supplement Plans
Learn about Prescription Drug Coverage


Your Health Reimbursement Arrangement (HRA) – if eligible
Accessing and Managing Your HRA
Setting Up Your Insurance Premium for Reimbursement (Medicare Retirees)
Submitting a Claim for an Out-of-Pocket Expense
Understanding Catastrophic Coverage in Prescription Drug Plans


View a Webinar

Transitioning to the Individual Medicare Market

Click here for a recorded webinar to learn about Medicare and your health coverage options through Aon Retiree Health Exchange. To view this webinar's presentation, click here.



For UMS retirees on the Aetna Group health plan, information about your pre-scheduled telephone appointment with a licensed Aon Benefits Advisor was mailed to your home on October 6th. These materials were sent via priority mail, so you should receive your packet within the next few days. It contains details about your Health Reimbursement Account (HRA), along with a Let's Do Medicare Together Guide.

On October 6th, Aon also distributed an email about the information packet you will soon receive. The email instructs UMS retirees on how to go online to confirm their pre-scheduled appointment with a licensed Aon Benefits Advisor.


Confirm or Reschedule Your Appointment

Due to Medicare regulations, a licensed Benefits Advisor from Aon Retiree Health Exchange cannot speak to you unless you confirm your appointment. Prior to your scheduled call, you will either need to confirm your appointment or reschedule it for a more convenient time. If you do not confirm your appointment in advance, it will be cancelled.

To confirm or reschedule your appointment, visit the Aon Retiree Health Exchange website or call 1-833-704-1028 (TTY 711). Our hours of operations are Monday – Friday, 9 a.m. to 9 p.m. Eastern Time


Prior to Your Appointment

You’ll need to be enrolled in Original Medicare Parts A and B. To learn more about Original Medicare or how to enroll, see Original Medicare: An Overview or call Aon Retiree Health Exchange at 1-833-704-1028 (TTY 711).

Your pre-scheduled appointment letter will also 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 Aon Retiree Health Exchange 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.


During Your Appointment

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 as well as your Medicare plan's effective dates.


More Information

Review these links for additional details about your upcoming transition. You’ll be more prepared to choose your new 2022 health coverage, which will be effective January 1, 2022.


UMS Carrier Phone Numbers (should you wish to cancel the coverage you enrolled in through Aon)
Your Guide To Individual Coverage
Original Medicare: An Overview
Appointment Checklist
2021 Let's Do Medicare Together Guide
UMS Piggy Bank Brochure (how to access your HRA, if eligible)
YSA - Your Spending Account (administration of your HRA, if eligible)
2022 UMS Retiree Group Health Plan Flow Chart
2022 Aon Retiree Health Exchange Flow Chart



Before your pre-scheduled appointment call with a Benefits Advisor, please take a few minutes to:

  • Review the resources provided on this website.
  • Sign up for both Medicare Parts A and B.
  • Activate your online account, enter in your information, review and save your preferred plans.
  • Note any questions you want to discuss with your licensed Benefits Advisor.

You may invite anyone — your spouse, a caregiver, a trusted friend or a family member — involved with your health care decisions to participate in your appointment. When you confirm your pre-scheduled telephone appointment, let us know that someone will be joining you.

Contact Us

If you have questions about your current 2021 health care coverage or other retiree benefits, please contact The University of Maine System Employee Benefits Center at 1-866-269-9635 (tollfree) or 1-207-973-3373 (local). Representatives are available Monday – Friday from 8 a.m. to 4:30 p.m. Eastern Time. You may also email the UMS Benefits Center at

For more information about your upcoming 2022 Medicare coverage options, call the Aon Retiree Health Exchange at
1-833-704-1028 (TTY 711). Representatives are available Monday – Friday from 9 a.m. to 9 p.m. Eastern Time.

If you prefer to speak with us in another language, please let us know when you call, and we’ll be happy to accommodate your request.

*Information contained in the material provided has not been created, reviewed or approved by Aon. It is included herein as a courtesy to the University of Maine System and all declarations, statements, or other assertions contained within are the sole responsibility of the University of Maine System.