In today’s health care landscape, employers who want to provide retiree coverage face a dual challenge: Ensuring that retirees have access to high-quality benefits while maintaining financial stability for the organization. Rising health care costs and unpredictable claims can strain budgets, making it harder for companies to plan long-term.
Employer Group Medicare Advantage (MA) plans from Independence Blue Cross (IBX) offer a proven solution to this challenge. These plans deliver predictable pricing and comprehensive coverage, helping organizations balance affordability while offering retirees the medical benefits they deserve.
Why predictability matters when offering retiree benefits
Our fully insured Group MA model gives employers predictable monthly premiums and reduces “other post-employment benefit” (OPEB) liability. This stability allows for better forecasting and long-term planning — critical for organizations managing tight budgets and/or large retiree populations.
Customization for your retiree population
No two retiree populations are alike. Group MA solutions from IBX can be tailored to mirror your active employee plans, ensuring a seamless transition for retirees. Customizable plan designs allow employers to align benefits with demographics while maintaining the flexibility to adapt as workforce needs evolve.
Support that simplifies administration
Transitioning retirees to a new health plan can feel daunting — but it doesn’t have to be. IBX provides dedicated onboarding and administrative support to minimize HR strain. From a dedicated member “welcome line” to detailed welcome programs, our concierge approach ensures that retirees feel supported from day one.
For plan sponsors, we simplify implementation and ongoing management, freeing HR teams to focus on strategic priorities rather than administrative tasks.
Whole-person care for retirees
Our commitment goes beyond coverage. IBX offers wrap-around clinical programs and supportive services designed to keep retirees healthy and engaged:
- In-home assessments for personalized care
- Fitness and wellness programs to promote active lifestyles
- Behavioral health support through an expansive network and care advocates
- Data-driven care coordination to manage chronic conditions and reduce hospitalizations
This integrated, holistic approach improves health outcomes while helping manage costs — a win-win for employers and retirees alike.
The bottom line
Managing retiree health costs doesn’t have to mean compromising care. With Employer Group MA plans from IBX, organizations gain financial predictability, streamlined administration, and a superior retiree experience.
IBX has been the Philadelphia area’s home-town health insurer for more than 85 years, and we’re deeply embedded in the communities we serve. We care about both your organization’s success and the well-being of your retirees in a way other health care companies can’t match.
Let us help you stabilize your retiree health costs. Contact our dedicated Group Medicare team to learn how IBX can help protect your bottom line and your retirees’ health. Learn more at ibxmedicare.com/employers.
