Group Retiree Health Insurance

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Connect with an employee benefits representative to explore your Group Retiree Health Insurance options today.
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What Is Group Retiree Health Insurance?

Our group retiree health insurance (GRH) is affordable group medical supplemental coverage with flexible copays and deductibles that help retirees pay for out-of-pocket medical expenses. It’s not a managed care plan.  
 
Baby boomers are retiring at record levels. This means companies that offer retiree health insurance are at greater risk, especially those that self-fund their plan. The Hartford can help reduce employer risk while maintaining obligations to retirees. For over 35 years, we’ve offered flexible group retiree health insurance solutions that shift the risk away from employers while providing flexible benefits to meet the unique needs of their retirees.
 
Learn more about our Group Retiree Health solutions.
What Is Group Retiree Health?

Learn More About Group Retiree Health Insurance

This series of videos explains the retiree market, our specialized program as a supplement for Medicare and how our team can help provide solutions for employers.

How Is Group Retiree Health Insurance Different From Medicare Advantage

 

Prior Authorization

Prior authorization is never required with our plan, but it can be required with Medicare Advantage.
 

Providers

Our GRH plan does not have provider networks. We work with any provider who can be reimbursed by Medicare. Medicare Advantage has its own provider network which can potentially limit the providers available to members.
 

Cost

Out-of-pocket expenses have not exceeded $3,000 for our retirees.1 The average out-of-pocket expense limit is $4,925 for Medicare Advantage in-network services and $8,828 for out-of-network services.2
 
We offer convenience, choice and customization that may not be available through Medicare Advantage plans.
 
Discover how Group Retiree Health plans compare to Medicare.

Additional Benefit Options for Services Not Covered by Medicare

The Hartford’s plan provides:
 
  • Two hearing aids every three years
  • One hearing aid fitting evaluation every three years
The Hartford’s plan provides:
 
  • One routine vision exam every 12 months
  • One pair of glasses every 12 months or a 12-month supply of contact lenses
The Hartford’s plan provides:
 
  • Examination of the heart, lungs, head, neck, abdominal, neurological and dermatological areas
  • Laboratory testing that includes a complete blood count, chemistry panel and lipid panel
 

Add Great Coverage Enhancements Not Typically Covered by Medicare

 

Acupuncture

Acupuncture has been known to treat conditions such as anxiety, arthritis, chronic pain, stress and more. Although Medicare doesn’t cover these types of services, our GRH plan gives retirees access to this traditional practice.
 

Chiropractic

Chiropractic care focuses on disorders of the musculoskeletal system and the nervous system. It’s used most often to treat neuromusculoskeletal complaints and issues like back pain, neck pain, pain in arm or leg joints and headaches. Although Medicare doesn’t cover chiropractic services, our GRH plan can include this type of treatment.
 
Discover how Group Retiree Health is flexible.
Get the facts about Group Retiree Health plans from The Hartford.

Important State Specific Information

Important State Notifications

Find a Sales Rep

Central & West Regions

JT Huber
Group Retiree Health Sales Representative
Office: 860-547-2592
Cell: 860-485-5107
Sales Offices in Atlanta, Chicago, Cincinnati, Kansas City, Michigan, Minneapolis, St. Louis, Tampa and Dallas, Houston, Denver, Phoenix, New Jersey and New York
 

East & West Regions

Alexandra Kirby Taylor
Group Retiree Health Sales Representative
Office: 212-553-8124
Cell: 917-690-3465
Sales Offices in Boston, Buffalo, Charlotte, Hartford, Philadelphia, Pittsburgh, Washington D.C., San Francisco, Los Angeles and Seattle
 

National Sales Director

Philip Hennig
Office: 860-547-2434
Cell: 860-214-7964
 
 
5759a 10/22
 
Group Retiree Health Form Series includes GBD-2400, GBD-2500, or state equivalent.
 
1 Based on Then Hartford’s internal data, 2-22.  Although The Hartford’s Group Retiree Health Insurance plan has out-of-pocket variability of up to $10,000, historically out-of-pocket expenses have never been higher than $3,000 for an enrollee in our plan.  Any maximum limit on a plan is based on the policyholder request.
 
2 The Henry J. Kaiser Family Foundation/””A Dozen Facts About Medicare Advantage in 2020.” www.kff.org/medicare/issue-brief/a-dozen-facts-about-medicare-advantage-in-2020/ viewed July 19, 2022.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.