I was a primary grade instructor. My mother is a retired instructor and so is my mother-in-law. Schooling has all the time been close to and expensive to my coronary heart. It takes a particular type of particular person to spend your life serving to others be taught.
The identical goes for municipal employees, who carry out a wide range of essential features — typically behind the scenes — that make it attainable for group members and companies to flourish.
When individuals retire from these careers, they deserve a gaggle Medicare plan that actually rewards them for his or her years of service. And lots of instructional establishments and municipalities provide these sorts of plans to their retirees.
In my position as Senior Account Government for Medicare Group Gross sales at Independence Blue Cross (IBX), it’s my privilege to assist make sure that members proceed to have complete well being care protection. I work with public college districts, native schools and universities, and the Metropolis of Philadelphia.
Similar to IBX, these entities are all a part of our native panorama. A lot of them already provide IBX well being plans to their staff. IBX group Medicare plans let their retirees stick with the hometown well being insurer they’ve grown to depend on. There’s actually one thing to be stated for having an IBX member card in your pockets from the time you’re employed via the time you retire!
Serving to Workers Retire with Independence
Retiring is an entire new chapter in an individual’s life, with many alternative elements they should take into account to allow them to be financially sustainable on a hard and fast revenue. Medical insurance is a kind of elements.
Authentic Medicare (Components A and B) is an efficient begin, however it doesn’t cowl all of the medical and prescription drug bills that individuals are likely to incur increasingly more as they grow old.
That’s why having an IBX group Medicare Benefit plan via a former employer is such an awesome resolution. You get medical, prescription drug, dental, imaginative and prescient, and listening to protection in a single wraparound bundle with low out-of-pocket prices — plus precious extras like a free gymnasium membership, a quarterly allowance for eligible over-the-counter well being merchandise, and much more.
I give bimonthly onsite displays on Medicare fundamentals for my purchasers’ staff. I assist them perceive how their retiree well being plan goes to work and the way they’ll get essentially the most worth out of their advantages. It’s a stage of help that almost all different well being insurers don’t present, and it takes plenty of the concern and uncertainty out of retirement.
Serving to Employers Do Proper by Their Retirees
Municipalities and academic establishments care about their staff and need to have the ability to provide them a snug, reasonably priced, wholesome retirement. However price is clearly an essential consideration.
A lot of my purchasers have been providing their retirees Medicare Complement (“Medigap”) plans for a very long time. However these plans might be costly.
Group Medicare Benefit plans from IBX hit the “candy spot” that employers are on the lookout for. They provide nice advantages with low out-of-pocket prices for workers, at group charges that present wonderful worth for employers. Everyone wins.
Protection That Travels: The Blue Medicare Benefit
Most advantages of our IBX Medicare Benefit plans solely apply inside our service space of Bucks, Chester, Delaware, Montgomery, and Philadelphia counties. However a lot of my purchasers need their retirees to have the ability to get the identical stage of care from any U.S. well being care supplier that accepts Medicare.
That’s why we provide our purchasers the choice of selecting a Blue Medicare Benefit plan. Their retirees get all the advantages that include our typical Medicare Benefit plans, however with protection that’s really nationwide.
I’m Right here to Assist
There are plenty of elements to contemplate when selecting a retiree medical insurance plan. It actually helps to work with somebody who is aware of the house. I’ve been at IBX since 2014 and have been a part of the Group Medicare Gross sales crew since 2019. So I do know all of the ins and outs.
IBX itself has been serving the Philadelphia space for greater than 85 years. We’re the hometown well being insurer, and we perceive the wants of the communities we serve higher than anybody.
I actually care about and recognize the employees who serve our municipalities and supply schooling to our space’s residents. I take pleasure in having the ability to assist their employers design, implement, and preserve retiree well being plans which might be each complete and reasonably priced.
If there’s ever any means I might be of help with this, please contact me. I sit up for talking with you!
Independence Blue Cross provides merchandise via its subsidiaries Independence Assurance Firm, Independence Hospital Indemnity Plan, Keystone Well being Plan East, and QCC Insurance coverage Firm — impartial licensees of the Blue Cross and Blue Protect Affiliation.
