Group Retiree Health Insurance
We deliver plans designed to give your clients' retirees richer benefits while keeping plan sponsor costs down. Empire offers top-tier prescription plans, PPOs and HMOs, plus integrated Medicare Advantage solutions that combine Medicare Parts A & B, prescription drug, health and wellness, vision and dental into one high-quality plan.
Through our partnership, we can transition your clients' retirees to a customized health insurance plan that meets their unique needs. Backed by our brand strength, STAR ratings, and robust national network, we can help plan sponsors achieve sustainable savings and better member outcomes.
The Empire Difference
Our Empire Group Retiree strategy relies on three core pillars: pricing stability and predictability, retiree-first practices and smart, strategic execution. With these pillars as our foundation, we utilize data and innovative tactics to deliver sustainable, solutions to our clients, resulting in healthier, happier retirees.
We also offer customizable plans —from co-pays to benefit levels, we can match existing coverage to ensure continuity from the plan sponsor's current plan to our group Medicare Advantage product.
Many plans rated 4 STARs or higher by CMS
Access a national network of over 600,000 Medicare doctors, specialists, and hospitals
87% member satisfaction rating among retirees
(Source: 2019 Anthem Customer Service metric analysis)
Help your clients provide their retirees greater access, lower costs and quality care:
- Fully-insured plans with lower, fixed premiums and reduced OPEB (Other Post-Employment Benefits) liability
- Option to design a tailored medical and/or prescription drug plan
- Holistic care programs that focus on keeping retirees healthy and closing gaps in care
- Seamless transition to our Medicare Advantage plan
Please email us to learn more about our plans.
Access to Services and Programs Designed to Keep Retirees Healthy and Productive
Our health care management strategy ensures that every retiree, regardless of health status or geography, has the support needed to live a healthy life. Not only do our plans offer lower out-of-pocket costs, but they are embedded with comprehensive offerings that support the health of all retirees no matter where they may fall on the health spectrum.
First Impressions Welcome Line
The First Impressions Welcome Line is a specialized call center that provides support to ease retirees' concerns and provide education so they enjoy the full benefits of their coverage. All retirees will have access to our proprietary First Impressions Welcome Line, which provides individualized support for all transition-related questions beginning months before the plan's effective date.
Holistic Health Management
Our programs take a comprehensive, whole-person approach to retiree health and quality of life. Tiered programs support retirees as their needs change — from healthy and active to the final stages of life. We know that helping members stay healthy, keeping them out of the hospital, and preventing readmission can help control costs.
Retirees have access to the SilverSneakers fitness program, designed exclusively for them and offers physical activity, health education and social events – including access to a variety of participating locations throughout the country. Our website provides resources to help address weight management, including a discount program that provides access to special offers like discounts on fitness center memberships and weight management programs.
Our market-leading national network and passive PPO option enables retirees to get care from the doctors and specialists they’ve come to know and trust — at no extra cost. Retirees will also have access to our 24/7 NurseLine and doctors with our LiveHealth Online option, giving them peace of mind day or night.
In our high-tech world, retirees are adapting to and adopting innovation. When it comes to health care, that means using online tools and apps to access personal health information, review benefits, have online doctor visits and manage overall health. With our industry-leading, easy-to-use digital solutions, retirees can access all these resources and more.
Empire's Medicare Product Portfolio
For many employers, accounting requirements negatively impact liability when it comes to providing retiree Medicare coverage. Offering qualified Medicare Advantage and Prescription Drug plans may help reduce liability while also providing retirees with comprehensive health care coverage.
Why Empire Medicare Advantage
Our Group Medicare Advantage plans provide your clients and their retirees with more value than traditional Medicare.
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