Group Retiree Healthcare
Defensible Retiree Strategies
We scale expertise from groups of two to national accounts of 10,000, providing the fiduciary oversight and live human advocacy that traditional carriers overlook.
Making Transitions Seamless
We shoulder the complexity of retiree benefits so you can focus on your active workforce. By expertly leveraging Medicare coordination, we reduce your premium burden while securing richer, more stable coverage for your members.
Actuarial Precision
We build plans on data, not templates. By specializing in Medicare coordination, we move members into high-performance environments that significantly reduce group premiums. We manage the math for any size group, ensuring long-term budget predictability without the administrative weight.
Strategic Management
Retiree healthcare is a regulatory minefield we manage on your behalf. From CMS compliance to GASB requirements, we handle every detail of the transition. We take the technical load off your desk, turning a complex liability into a streamlined, high-value asset for both sponsor and broker.
Oversite & Advocacy
Your retirees deserve a better plan than the one they came with. Our process often uncovers even better plan options than they had before, protecting your reputation as a premier employer and ensuring a seamless member experience.
The Retiree Lifecycle
Strategic Engagement
We start by aligning with the broker to define the sponsor’s long-term objectives. By establishing a collaborative partnership from day one, we ensure our technical oversight supports your existing relationship while setting the stage for a more defensible benefit strategy.
Forensic Plan Audit
We conduct a granular review of current plans to identify gaps in Medicare coordination. Our audit uncovers where your capital is being eroded by misaligned incentives, providing the data-driven roadmap needed to transition from a generic plan to a high-performance model.
Updated Plan Design
By applying actuarial precision to your specific population, we engineer custom funding and exchange models that maximize federal subsidies and manufacturer discounts, significantly lowering the plan’s net cost.
Scale Through EGWP and Self-Funded Models
We structure employer group waiver plans and self-funded arrangements to capture federal subsidies and eliminate unnecessary carrier margins.
Medicare Advantage & Fully Insured
Every rate, benefit, and obligation is audited to ensure fiduciary compliance. Carrier renewals are not accepted at face value; underlying data is challenged to ensure premiums reflect the actual risk of the population.
Pharmacy & Medical-Only
Pharmacy benefits are carved out to improve transparency and member outcomes. Direct support is provided to members to navigate prescription benefits and standalone medical plans, ensuring no gap in care during the transition.
Custom Wraps, HRA, & VEBA
Specialized vehicles are engineered to align plan design with long-term financial objectives. These structures allow for precise control over corporate liability while providing retirees with flexible, tax-advantaged funding.
Full Implementation Lift
Strategic advice is useless without execution. We join your team as an extension, providing the staffing and expertise needed to manage the transition and ensure the plan performs exactly as promised.
Results That Speak for Themselves
Hidden carrier margins eliminated
Member satisfaction on advocacy
Compliance documentation complete
Request a Strategy Audit
Move your plan from projections to performance.
We strip out the contractual friction in pharmacy, retiree healthcare, and stop-loss so you can stop paying for the noise and start enforcing the math.