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Retiree Products & Services

Insight provides access to all the health benefits you and your covered retirees need.

Post-65 Medical Coverage

  • Standard Medicare Supplement Coverage
  • Medicare Advantage Coverage
  • Group Retiree Insurance Medical Coverage (GRIP)

Post-65 Medical

We evaluated carriers throughout the country that offer either replacement coverage to traditional Medicare Parts A & B coverage or options to coordinate with traditional Medicare Parts A & B coverage, and chose the carriers that demonstrate flexibility in plan design, provide top-notch service and deliver lower than average medical trend renewals. We formed partnerships with carriers that lower retiree premiums and stretch employer stipend dollars. Insight teams with a variety of fully insured medical coverage carriers and options including:
  • Group medical coverage down to 2 lives
  • Copay and coinsurance options
  • Dental, Hearing and Vision options
  • Holistic benefit options, such as Acupuncture and Chiropractic care
  • Choice of Age Banded or Composite rating

Important to those who travel, these programs offer freedom of choice with no network limitations and national access to providers and hospitals.

Post-65 Prescription Coverage

  • Employer Group Waiver Plan (EGWP) Coverage
  • Fully Insured Group Prescription Coverage (PDP)
  • Group Retiree Insurance Prescription (GRIP) Coverage
From stand-alone prescription drug programs (PDP) to integrated medical and prescription drug coverage (MAPD), we canvassed the market — comparing pricing and formulary coverage to ensure the best price with the least disruption for your retirees. Popular alternatives including Employer Group Waiver Plans (EGWP) are easier for employers and retirees to understand and navigate.

Prescription coverage carriers and options include:

  • Group prescription coverage down to 2 lives
  • National retail network and mail order options
  • Multiple prescription copay and coinsurance options
  • Formulary alternatives for both basic and enhanced benefits (e.g. lifestyle drugs)

These programs offer retirees national retail networks and mail order options for convenience and portability.

Post-65 Medical Coverage

Insight evaluated carriers throughout the country that offer either replacement coverage to traditional Medicare Parts A & B coverage or options to coordinate with traditional Medicare Parts A & B coverage.  We chose to partner with the carriers that demonstrate flexibility in plan design, provide top-notch service and deliver lower than average medical trend renewals. We formed partnerships with carriers that lower retiree premiums and stretch employer stipend dollars.

We work with several fully insured medical coverage carriers and options including:

  • Group medical coverage down to 2 lives
  • Copay and coinsurance options
  • Dental, Hearing and Vision options
  • Holistic benefit options, such as Acupuncture and Chiropractic care
  • Choice of Age Banded or Composite rating

 

Important to those who travel, these programs offer freedom of choice with no network limitations and national access to providers and hospitals.

Post-65 Prescription Coverage

From stand-alone prescription drug programs (PDP) to integrated medical and prescription drug coverage (MAPD), we  canvassed the market — comparing pricing and formulary coverage to ensure the best price with the least disruption for your retirees. Popular alternatives including Employer Group Waiver Plans (EGWP) are easier for employers and retirees to understand and navigate.

Prescription coverage carriers and options include:

  • Group prescription coverage down to 2 lives
  • National retail network and mail order options
  • Multiple prescription copay and coinsurance options
  • Formulary alternatives for both basic and enhanced benefits (e.g. lifestyle drugs)

 

These programs offer retirees national retail networks and mail order options for convenience and portability.

Billing & Enrollment

Insight will handle your retirees needs:

  • Enrollment in Medical/Rx/Voluntary Programs
  • Collection of retiree premium and employer stipends
  • Reconciliation of employer monthly billings

Educational Assistance Simplifies Enrollment (EASE)

Our approach to enrollment focuses on effective communications to your retirees. We’ll work with you to create custom messaging that makes open enrollment materials easy to understand — making the retiree benefit experience a positive one.

E.A.S.E. components for a successful enrollment include:

  • Developing easy to understand welcome kits and enrollment instructions for Post-65 retirees
  • Creating proactive enrollment instructions for Pre-65 retirees aging into the programs
  • Identifying and emphasizing important plan design changes
  • Holding informational retiree open enrollment sessions
  • Tracking and monitoring outstanding enrollments
  • Providing monthly billing for medical/prescription/voluntary benefits to retirees in paper form or via ACH
  • Retiree advocacy navigating medical and prescription coverage questions or issues

 

The EASE protocols ensure that you and your retirees have the necessary tools to enroll timely and provide consistency in handling ongoing adds/changes/terminations.