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.