Creative Solutions – No Matter Your Size, No Matter Your Needs

We understand the unique needs of employers and their retirees, and our Group Medicare plans are customized to each situation. Whether you cover 10 retirees or 10,000, in the public sector or private, we have a solution to match your needs.

Results That Matter

 

Our clients’ successes prove the effectiveness of our Group Retiree plans. Here are just four examples of recent solutions we were able to provide for four very different clients.

CASE STUDY

 

A Public School System Solution

 

We converted a public sector group of 22,000 members from a self-funded Coordination of Benefits/Medicare Supplement plan to Group Medicare Advantage PPO coverage.

 

 Lowered premiums (combined employer and retiree) more than $108 million over 2 years.

 

 Matched benefits and included value-added programs, including SilverSneakers® fitness program, video doctor visits, and 24/7 NurseLine.

 

  Saved employer over $1.5 billion in future liability.

 

  Eliminated deductible.

 

  Lowered copay amounts.

 

  Eliminated the need for 2 ID cards.

 

  Removed provider network restrictions.

 

  Maintained existing account management.

 

 

Learn more about our Group Medicare plans. 

CASE STUDY

 

A Private Energy Company

 

We converted a public private group of over 20,000 members from self-funded Medicare Supplement and COB plans to fully-insured Group Medicare Advantage PPO coverage. And we transitioned pharmacy coverage from a self-funded commercial plan to a fully-insured Group Part D plan.

 

  Closely mirrored existing medical and pharmacy benefits.

 

  Ensured predictable monthly premiums for all retirees.

 

  Eliminated medical and pharmacy coinsurance and deductibles.

 

  Reduced medical copay amounts.

 

  Included value-added programs, including SilverSneakers® fitness program.

 

  Eliminated the need for 2 ID cards.

 

  Reduced future OPEB liability.

 

 

Learn more about our Group Medicare plans. 

“The rollout and implementation of your Medicare Advantage plan
to our members was excellent. Your responsiveness and clear
understanding of our program and goals ensured all of our needs
were met and nothing fell through the cracks. We are proud
to partner with you and know our members are in good hands.”
Anthem Group Medicare Advantage Client
“The rollout and implementation of your Medicare Advantage plan
to our members was excellent. Your responsiveness and clear
understanding of our program and goals ensured all of our needs
were met and nothing fell through the cracks. We are proud
to partner with you and know our members are in good hands.”
Anthem Group Medicare Advantage Client
The front of a classical building with pillars

CASE STUDY

 

A City Government Solution

 

We converted a public sector group of 461 members from self-funded Coordination of Benefits/Medicare Supplement coverage to Group Medicare Advantage PPO coverage.

 

  Lowered premiums (combined employer and retiree) more than $3 million over 2 years.

 

  Saved employer over $27 million in future liability.

 

  Matched benefits and included value-added programs, including SilverSneakers® fitness program, Healthy Meals, and hearing aids.

 

  Eliminated coinsurance.

 

  Lowered copay amounts.

 

  Eliminated the need for 2 ID cards.

 

  Maintained existing account management.

 

 

Learn more about our Group Medicare plans. 

A man standing in front of a factory

CASE STUDY

 

A Public Sector Solution

 

We converted a public sector group of 43,000 members from self-funded Coordination of Benefits/Medicare Supplement and fully insured Group MA plans with a different carrier to a single, fully-insured Group Medicare Advantage PPO plan.

 

  Established a predictable monthly premium, improving cash flow management.

 

  Lowered premiums (combined employer and retiree) more than $110 million over 3 years.

 

  Matched benefits and included value-added programs, including SilverSneakers® fitness program, Healthy Meals, and foreign travel.

 

  Eliminated coinsurance.

 

  Lowered copay amounts.

 

  Eliminated multiple EOBs and the need for 2 ID cards.

 

  Reduced future OPEB liability

 

 

Learn more about our Group Medicare plans. 

We Understand The Unique Needs Of Older Adults:

95% have at least 1 chronic condition

80% have at least 2 chronic conditions1

1 in 4 experience a behavioral health condition2

70% of Americans age 65+ have Hypertension2

People 65+ spend an average of $157,500 on healthcare and medical expenses throughout retirement3

17M+ older adults are economically insecure, with incomes below 200% of the federal poverty level1

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  1. National Council on Aging (ncoa.org)
  2. National Institute of Mental Health: "Mental Health in Older Adults" (nimh.nih.gov)
  3. Fidelity: 2023 Retiree Cost Estimate (fidelity.com)