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Aon Hewitt Navigators®: Retiree Health Exchange

Aon Hewitt Navigators®: A Retiree Health Exchange Solution


Now is the time to rethink your retiree health care strategy.

The economics of providing traditional employer-sponsored coverage are changing, causing many employers to change the way they offer health care benefits to their retirees. For many employers, the loss of the retiree drug subsidy and the closing of the Medicare Part D Prescription D “donut hole” make the individual market an attractive alternative to traditional group-sponsored coverage. In fact, 66% of employers intend to offer or are considering offering guided access to the individual Medicare retiree plan market through an exchange for their retiree population.

A Better Way Forward

Retiree health exchanges offer retirees a wide variety of individual products that allow them to find the right coverage for their individual needs. Very often, individual Medicare Advantage or Medicare Part D plans can be purchased at lower rates than the employer can offer with comparable coverage, due to the federal subsidies available to issuers of these plans.

Additionally, with the help of an experienced exchange provider, like Aon Hewitt, retirees gain access to dedicated and licensed professionals that help retirees understand and navigate their options.

By replacing the traditional retiree medical plan with an exchange platform, employers are not abandoning their retirees—quite the contrary. The employer is providing more choice, greater value and—in many cases—enhanced customer service.

Help Your Retirees Can Count On

As the global leader in human resource solutions, Aon Hewitt offers one of the industry’s most comprehensive retiree health exchange solution. We partner with over 80 leading insurance companies nationwide, including AARP, Aetna, Anthem, Blue Cross Blue Shield, CIGNA, Delta Dental, Empire, Humana, United Healthcare and Vision Service Plan (VSP), among others, to offer an expansive network of health plan options to our clients’ retirees. To date, we have helped more than 240,000 retirees successfully transition to the individual market by providing objective and personalized guidance in finding the right plan for them.

Our services include:
  • Pre- and post-enrollment education to help retirees understand Medicare—what it covers and why often times Medicare is not enough
  • Access to a wide range of health plan options from across local, regional and national carriers
  • Unlimited access to our licensed Benefit Advisors who will work with retirees to understand their needs and find the right plan for them
  • An easy-to-use Web portal that contains information on all types of Medicare insurance (supplements, Medicare Advantage, prescription drug plans)
  • Annual follow-up with retirees to ensure that they remain satisfied with their choice and unlimited support for retirees to enroll in an alternate plan should their needs change
  • Ongoing Advocacy support should they need help resolving claims issues

Aon Hewitt Navigators® is a win-win solution.

Employers receive:
  • The benefits of a fully integrated solution for greater savings (cost + administrative time)
  • A solution regulated by CMS and state insurance departments
  • A smooth transition with ongoing service focus
  • Premiums consistent across points of purchase
  • The confidence of partnering with an industry leader
Retirees receive:
  • Objective, personalized and simplified approach to choosing and enrolling in the right plan at the right price
  • Dedicated benefit advisors (licensed Medicare experts) and support tools
  • Educational, consultative relationship through enrollment and ongoing Advocacy Services

Let us help you move forward.

To learn more and discuss whether Aon Hewitt Navigators is right for your company, contact us.

Copyright 2013 Aon Hewitt Navigators Insurance Services Inc.
Aon Hewitt Navigators Insurance Services Inc. (Aon Hewitt Navigators) is an Aon Hewitt company.
Aon Hewitt Navigators is a registered trademark of Aon plc.
California License: 0E97576

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