No cost & Low cost options
$0 group cost, $0 member premium
Stop overpaying for Group Medicare Advantage. Choose between our no-cost and low-cost MSA plan options.
Member Choice & Flexibility
Annual cash payment from Medicare
Members decide how to spend, save or invest their deposit. Access any provider. No referrals or prior authorizations needed.
Different, Not Complex
Simple, for members and groups
Members are responsible for covered services until their deductible, then we pay. It’s that simple.
MSA Benefits
Something for Everyone
Offer goodwill and good coverage at $0 cost
- Enjoy the goodwill of offering Medicare Advantage coverage at no cost with our standard plans
- Perfect for groups who offer, used to offer or have never offered retiree health benefits
- Can offer to Medicare-eligible retirees for any sized employer (sole proprietors welcome!), government, union, PEO or employment-related association
- Available in all 50 states plus D.C., with nationwide access to Medicare providers
- Low admin – not subject to ERISA and easy enrollments/renewals
- The MA plan type most similar to Health Savings Accounts (HSAs)
- The only MA plan with an upfront cash payment that beneficiaries can spend, save or invest
- The annual deposit funds primarily stay in and support the local community
- Multiple options available to groups desiring to contribute monies to beneficiaries’ care
Spend, save or invest – the member controls their benefit
- $0 monthly premium, by law
- The only MA product with an upfront annual cash payment that can be spent, saved or invested
- Unused funds roll over to the prior year and can grow over time
- Low equivalent maximum out-of-pocket
- Access to any Medicare-participating and accepting provider in the US
- No referrals or prior authorizations
- Add a separate pharmacy plan that best fits
- Financial control of health, with a special financing program providing more time and flexibility when paying for covered costs under the deductible
Expand your service offering and revenues
- Expand your service portfolio by offering retiree health benefits at no cost to you or your group clients
- Grow revenue with monthly marketing stipends for each retiree enrolled with us
- No hassles – our enrollment and renewal processes are low-admin and easy
- Your service platform, ours or a combination of both
- Opportunities to co-brand or white label our MSA as your own
Payment assurance without care coordination & admin hassles
- High-deductible without the non-payment risk. We finance the members’ A/B liabilities below the deductible and pay providers on their behalf
- We pay providers quickly, accurately and in-full
- No referrals or prior authorizations
- No network contracts, credentialing, etc.
- Multiple levels of bonus programs available to reward clinical engagement, support local employers and tailor steerage to practice(s)
Distinctively better dynamics for group leads & sales
- PMPM commission for the life of the group
- More flexible and permissive lead outreach vs individual Medicare Advantage
- Conduct proactive outreaches to all the beneficiaries on behalf of the group
- Manage all the group’s leads, including the continuous stream of new-to-Medicare, and can sell the best fit…not just our Group MSA plans
- No AHIP certification required
2024 Plan Designs
No-fee and low-fee options
With zero cost, every group can and should be offering our three Standard Group MSA Plans. They can be the only options offered or offered among other carriers’ plans. Either way, beneficiaries can select the best plan for them.
Want to provide a richer benefit? Our Enhanced Group MSA Plans offer a larger deposit for a small monthly group fee. 100% of this fee goes directly to the member’s deposit.
