Pre-65 Retiree Medical

Retiree Benefits
The ICSO H&W plan offers you a unique solution for your retiree medical coverage.  It’s a win-win for you and your retirees, as you can manage the cost of offering this competitive benefit to your employees.

  • You control your costs through fixed contributions to a Health Reimbursement Arrangement (HRA) to offer retiree coverage on your budget terms
  • Employers set the funding level for the Pre 65 premium only HRA.
  • Pre 65 Retirees have access to the consultative services of HealthMarkets Insurance Agency when selecting an individual health plan.
  • Retirees receive their monthly funding directly deposited into their bank accounts to pay their insurance premium.
  • Pre-65 retirees also have access to guarantee issue solutions and personal consultation services through HealthMarkets, Inc.