Actuarially Equivalent (AE) Plan
An actuarially equivalent (AE) plan is a Part D prescription drug plan structured differently from the Part D Standard Benefit but that, on a fiscal basis, provides coverage at least as valuable as the Standard Benefit. Such plans often keep the standard deductible while using different cost-sharing, such as tiered copays.
Definition
An actuarially equivalent (AE) plan is a Part D prescription drug plan structured differently from the Part D Standard Benefit but that, on a fiscal basis, provides coverage at least as valuable as the Standard Benefit. Such plans often keep the standard deductible while using different cost-sharing, such as tiered copays.
Why it matters
Beneficiaries comparing drug plans need to know that different-looking benefit designs can still meet Medicare's minimum value, so total expected cost matters more than the plan's structure.
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