Because many retirees are uncomfortable with the restrictions associated with an HMO, many companies select more traditional fee-for-service coverage for their retirees. The fee-for-service option proposes your company take advantage of the employer exemption under the NAIC Model Regulation On Medicare Supplement Insurance Minimum Standards. This exemption allows employers to custom-design a Medicare Supplement Plan without regard to many of the standardized plan restrictions placed on the individual market by state and federal legislation. As a result, you can provide cost effective fully insured supplemental benefits to retirees not available in the open market.

According to a recent survey, 20% of the companies in the United States are taking advantage of the cost savings and reduction in administrative paperwork associated with providing benefits through Medicare Supplements.

Our programs save the retirees the hassle of filing Medicare Part B claims, and our administrative costs are typically 20% to 50% lower than costs for a traditional Medicare-coordinated plan. The Preferred Retiree Health Program combines effective design and administration of retiree benefits with one of the largest fully insured Medicare Supplement programs in the country. We design programs that reduce employer exposures by as much as 50% while honoring the commitment to a quality health care program.



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