I was a primary grade trainer. My mother is a retired trainer and so is my mother-in-law. Training 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 — usually behind the scenes — that make it potential for neighborhood members and companies to flourish.
When individuals retire from these careers, they deserve a bunch Medicare plan that actually rewards them for his or her years of service. And plenty of academic establishments and municipalities supply these sorts of plans to their retirees.
In my position as Senior Account Govt for Medicare Group Gross sales at Independence Blue Cross (IBX), it’s my privilege to assist be certain that members proceed to have complete well being care protection. I work with public college districts, native faculties and universities, and the Metropolis of Philadelphia.
Identical to IBX, these entities are all a part of our native panorama. A lot of them already supply IBX well being plans to their workers. 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 by means of the time you retire!
Serving to Workers Retire with Independence
Retiring is a complete new chapter in an individual’s life, with many alternative components they should take into account to allow them to be financially sustainable on a set revenue. Medical health insurance is a type of components.
Unique Medicare (Elements A and B) is an effective begin, but it surely doesn’t cowl all of the medical and prescription drug bills that individuals are likely to incur an increasing number of as they become old.
That’s why having an IBX group Medicare Benefit plan by means of a former employer is such an amazing 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 helpful 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’ workers. I assist them perceive how their retiree well being plan goes to work and the way they’ll get probably the most worth out of their advantages. It’s a stage of help that the majority different well being insurers don’t present, and it takes a whole lot of the concern and uncertainty out of retirement.
Serving to Employers Do Proper by Their Retirees
Municipalities and academic establishments care about their workers and need to have the ability to supply them a cushty, inexpensive, wholesome retirement. However value 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 may 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 superb worth for employers. All people 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 actually nationwide.
I’m Right here to Assist
There are a whole lot of components to think about 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 group 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 admire the employees who serve our municipalities and supply training to our space’s residents. I take satisfaction in having the ability to assist their employers design, implement, and preserve retiree well being plans which are each complete and inexpensive.
If there’s ever any means I may be of help with this, please contact me. I sit up for talking with you!
Independence Blue Cross provides merchandise by means of its subsidiaries Independence Assurance Firm, Independence Hospital Indemnity Plan, Keystone Well being Plan East, and QCC Insurance coverage Firm — unbiased licensees of the Blue Cross and Blue Protect Affiliation.
