Group Retiree Health Insurance

Reduce your risk, not their coverage.

Baby boomers are retiring at record levels, which means companies that offer retiree health insurance are at greater risk, especially those that self-fund their plan. The Hartford can help. For over 25 years, we’ve offered flexible group retiree health insurance solutions that shift the risk away from employers while providing flexible solutions to meet the unique needs of their retirees.
 

Retiree health coverage makes sense.

In today’s economy, medical inflation is putting great pressure on retirees and the medical plans they rely on. As administrative resources continue to shrink, the retirement population is expanding. Fortunately, The Hartford’s Group Retiree Insurance Plan is a solution that can work for employers and their retirees.
 

Be good to your retirees and your budget.

Our Group Retiree Insurance Plan helps employers accomplish 3 key goals:
 
  • Fulfills an important obligation to retirees.
  • Integrates with Medicare, taking advantage of Medicare's cost-containment measures.
  • Takes retirees out of the active employee medical plan, which can improve the efficiency of the employee plan.
     

We’ll help integrate your plan with Medicare.

The Hartford's fully insured Group Retiree Health Insurance Plan can help pay Medicare-eligible deductibles, co-payments and out-of-pocket medical expenses not covered by Medicare. This helps relieve companies of the retirement benefit burden and may even lower their costs. Here are some other benefits employers can expect from The Hartford:
 
  • We can support multiple group sizes, from as few as two to thousands and can customize plans for groups of 100 or more.
  • Retirees, their spouses, widow(er)s, and domestic partners age 65+ who are entitled to Medicare are all eligible and coverage is guaranteed (subject to any applicable pre-existing condition limitation).
  • We can help employers better control overall costs by segmenting age 65+ retirees into our voluntary and non-contributory plans.
  • Rx Prescription Drug Plans can be accessed through separate providers with the ability to combine billing with medical.
  • Employers can choose from a variety of prescription drug plan options to best suit the needs of their retirees.
  • Retirees have access to any provider or hospital nationwide – at home or away. (There are no medical networks to worry about.)
  • Our plan integrates with Medicare Parts A and B. Medicare pays first; our group plan pays second.
     

Your employees will love these optional enhancements.

Offer custom fit coverage to your employees with these great enhancements1:
 
Hearing  Provides:
 
  • One routine hearing and balance exam every 12 months.
  • Two hearing aids every three years.
  • One hearing aid fitting evaluation every three years.
  • Flexible plan design options with various calendar year maximums and deductibles.
 
Vision  Provides:
 
  • One routine vision exam every 12 months.
  • One pair of glasses every 12 months, or a 12 month supply of contact lenses.
  • Flexible plan design options with various calendar year maximums and deductibles.
 
Annual Physical  Provides:
 
  • Review of medical history.
  • Check of memory and mental quickness.
  • Check of blood pressure, heart rate, respiration rate and temperature.
  • Examination of the heart, lungs, head and neck, abdominal, neurological, and dermatological areas.
  • Laboratory testing for a complete blood count, chemistry panel, and lipid panel.


Add great coverage enhancements not typically covered by Medicare1:

  • Acupuncture
Acupuncture has been known to treat conditions such as anxiety, arthritis, chronic pain, stress and more.  Although Medicare doesn’t cover these types of services, our Group Retiree Health Plan gives retirees access to this traditional practice.
 
  • Chiropractic
Chiropractic care focuses on disorders of the musculoskeletal system and the nervous system and is used most often to treat neuromusculoskeletal complaints, including but not limited to back pain, neck pain, pain in the joints of the arms or legs, and headaches. Although Medicare doesn’t cover chiropractic services, your Group Retiree Health Plan can. 
 

Making it easier to administer.

Why shoulder the administrative burden when it can be offloaded to The Hartford's approved third-party administrators? Our services help ensure employers receive the best administration support:
 
  • A choice of billing options including list, direct or a combination, with the ability to manage all types of vesting schedules.
  • A variety of enrollment options to meet employer needs.
  • Electronic claims processing and payment.
  • A toll-free customer service number for retirees, employers and providers.
  • Online capabilities to support inquiries about benefits and claims.
  • Customer service representatives trained in senior care relations.
  • HIPAA compliant administration.
 

Flexible alternatives for outpatient Rx.

Medicare participants now have access to prescription drug coverage through Medicare Part D. This allows for more cost-saving options through Medicare programs. The Hartford offers a flexible alternative to include prescription drug coverage through our partnership with a leading Medicare Part D carrier. Some of the benefits of this approach include:
 
  • Medicare Prescription Drug Plan (PDP) solutions using CMS-approved group products.
  • One plan to cover all of an employer’s retirees located in the United States.
  • Access to pharmacies across the country, and coverage under a broad formulary for retirees.
  • Combined billing with our medical plans – a simplified approach provided by The Hartford.


We support a wide demographic of eligible enrollees.

We extend our coverage to one of the broadest demographics in the insurance industry. These are some of the many groups that we cover:
 
  • Retirees plus their spouses, widow(er)s, and domestic partners who are 65+ and entitled to Medicare
  • Corporations
  • Partnerships
  • Individual employers
  • Labor unions
  • Religious organizations
  • Multiple Employer Trusts (MET)
  • Most government agencies or departments
 
Customized plans are available for groups of 100 or more.
 
 
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home Office is Hartford, CT.”
 
1Co-pays and maximums may apply.
 
5759a NS 010/15
 
 

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