Employer Group Waiver Plans (EGWPs)

What is an EGWP?

An Employer Group Waiver Plan (EGWP) is a health plan offered by an employer to its retirees. These plans offer benefits comparable to commercial plans and beyond original Medicare, offering continuity for retirees at a lower Per Member Per Month cost for employers.

Good for Business

Offering a Group Retiree plan allow you to both save money and provide quality benefits for retirees.

Here are some highlights:

Removes retiree claims from your organization’s risk pool
Rich coverage with Medicare-subsidized plans that can be customized to mirror your group coverage or other existing prescription plan benefits
Simplified Centers for Medicare/Medicaid Services (CMS) reporting
Broad range of medical and drug plans—plus optional dental, hearing and vision coverage
Lower overall health care costs, while maintaining quality benefits for retirees
Reduced administrative needs for enrollment and retiree communications, along with savings from medical management and network contracting
A network sharing program with well-developed/expansive local and national provider networks
Easy enrollment and transitions for your retirees with flexible open enrollment periods
Improved retiree satisfaction with direct support from their chosen health plan online or by phone

Removes retiree claims from your organization’s risk pool
Rich coverage with Medicare-subsidized plans that can be customized to mirror your group coverage or other existing prescription plan benefits
Simplified Centers for Medicare/Medicaid Services (CMS) reporting
Broad range of medical and drug plans—plus optional dental, hearing and vision coverage
Lower overall health care costs, while maintaining quality benefits for retirees
Reduced administrative needs for enrollment and retiree communications, along with savings from medical management and network contracting
A network sharing program with well-developed/expansive local and national provider networks
Easy enrollment and transitions for your retirees with flexible open enrollment periods
Improved retiree satisfaction with direct support from their chosen health plan online or by phone

Good for People

EGWPs also provide the benefits your retirees care about most.

Coverage that includes all the benefits of Original Medicare and more, along with Part D prescription drug benefits. Extra benefits include:
- • SilverSneakers health and fitness program
- • HealthyBlue Rewards program
- • Some plans also have dental, hearing and vision packages
Access to one of the largest provider networks in Florida, plus broad access with pharmacy and providers throughout the U.S. and select access while traveling abroad
Lower out-of-pocket costs when members use in-network providers
Predictable costs and copays with out-of-pocket maximum limits
Continued coverage from Florida Blue, the brand members trust
The only plan endorsed by Growing Bolder, which encourages members to make the rest of their life the best of their life*
Care management programs for individuals with chronic conditions and other specific care needs
*Florida Blue Medicare has contracted with Growing Bolder, LLC to provide educational information to its members.
Email egwpinfo@bcbsfl.com for more information.

Coverage that includes all the benefits of Original Medicare and more, along with Part D prescription drug benefits. Extra benefits include:
- • SilverSneakers health and fitness program
- • HealthyBlue Rewards program
- • Some plans also have dental, hearing and vision packages
Access to one of the largest provider networks in Florida, plus broad access with pharmacy and providers throughout the U.S. and select access while traveling abroad
Lower out-of-pocket costs when members use in-network providers
Predictable costs and copays with out-of-pocket maximum limits
Continued coverage from Florida Blue, the brand members trust
The only plan endorsed by Growing Bolder, which encourages members to make the rest of their life the best of their life*
Care management programs for individuals with chronic conditions and other specific care needs
*Florida Blue Medicare has contracted with Growing Bolder, LLC to provide educational information to its members.
Email egwpinfo@bcbsfl.com for more information.

Why Florida Blue Group Retiree Plans

At Florida Blue, our Group Retiree plans offer more benefits at a fraction of the cost, from our Group Medicare Advantage PPO to our Part D Prescription Drug plans. You could think of it as providing Medicare coverage and much more!

With our plans, you can offer your retirees a seamless transition with a company they trust as they face new life changes. Our plans provide more value for your business and your retirees with improved satisfaction, added benefits and cost savings, all from the brand you have grown to know and trust.

Most members can keep their doctors through our large provider network
Dental, hearing, vision and prescription coverage options to complement health coverage
Cost savings to both your business and your retirees
Satisfied retirees feeling their best through care management programs, health and wellness programs and discounts

Most members can keep their doctors through our large provider network
Dental, hearing, vision and prescription coverage options to complement health coverage
Cost savings to both your business and your retirees
Satisfied retirees feeling their best through care management programs, health and wellness programs and discounts

Our Group Retiree Plans

Our plans include both Medicare Advantage and Medicare Prescription Drug coverage, each with several key benefits.

Medicare Advantage Plans
Include all the benefits of Original Medicare Part A and Part B. Plus, many of them have benefits like dental, hearing and vision.
Many Florida Blue Medicare Advantage plans include Prescription drug coverage (Part D).
SilverSneakers fitness program is included in many plans at no additional cost.
Medicare Prescription Drug Plans
Offer coverage for generic and brand-name drugs
Have predictable copayments for generic and brand-name drugs
Include an extensive list of covered drugs (formulary)

Medicare Advantage Plans
Include all the benefits of Original Medicare Part A and Part B. Plus, many of them have benefits like dental, hearing and vision.
Many Florida Blue Medicare Advantage plans include Prescription drug coverage (Part D).
SilverSneakers fitness program is included in many plans at no additional cost.
Medicare Prescription Drug Plans
Offer coverage for generic and brand-name drugs
Have predictable copayments for generic and brand-name drugs
Include an extensive list of covered drugs (formulary)

Employer Group Waiver Plans

Coverage for your Retirees