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A Leader in Post-65 Retiree Medical and Prescription Drug Plan Administration


Established in 1978, Benistar is a nationwide leader in the design, installation and administration of post-65 group retiree medical benefits. We are specifically focused on the administration of retiree medical and prescription drug plans. We work with brokers and consultants to provide retiree medical and prescription drug solutions for companies and organizations nationwide including:

  • Publicly and privately-held companies
  • Labor Unions
  • City and County Government entities
  • Educational Organizations
  • Religious Organizations

Benistar provides retiree health and retirement plans and administration for more than 400 plan sponsors throughout the U.S. We administer more than $100 million in premiums annually. 


Consulting & Administration

Benistar provides creative and cost-effective retiree benefit solutions to meet the unique expectations of individual plan sponsors. Our benefit consulting professionals focus specifically on post-65 retiree medical and prescription drug plans. 

Starting with the implementation process, we make the process easy. We help the plan sponsor draft an announcement letter to the retirees. We will manage the enrollment process with the carriers and with CMS and coordinate any issues that may arise. Typically we can rollover the current plan members to the new plan without individual enrollment forms. And, we can flexibly bill either the plan sponsor, the members, or split between both when needed.

Our Retiree Customer Service Center takes pride in helping members solve problems to completion. Because Benistar is focused on retiree medical and prescription drug programs, we have the expertise to answer questions and solve issues related to the Medicare environment. 

  • Plan Analysis and Recommended Solutions
  • Experienced Call Center Focused on Post-65 Retirees
  • Full Implementation Support
  • Custom Member Communications

Group Retiree Medical Solutions

We work with the most reputable, highly-rated insurance carriers to provide senior medical insurance programs. Our medical plans coordinate with Medicare to provide seamless coverage for your retirees. Features of our programs include:

  • Guaranteed issue - there are no exclusions for preexisting conditions.
  • Fully Insured – cap your retiree health liability with an insured plan
  • No networks – retirees may choose any doctor accepting Medicare patients
  • Nationwide -- coverage is available in all 50 states.
  • Spousal Coverage – if 65 years of age or older and enrolled in Medicare Part A and Part B
  • Flexible plan designs – adjust or eliminate Medicare deductibles or co-pays
  • Electronic enrollment – there are no individual applications required
  • Our customer service team is specifically focused on the administration of retiree medical and prescription drug plans. We’ll assist your retirees without rushing them off the phone and make them feel comfortable.
Retiree Health Plans Prescription Drugs

Prescription Benefits

Our retiree prescription drug plans are Employer Group Waiver Plans (EGWP), established for groups under Medicare Part D. Our partners contract with the Centers for Medicaid and Medicare Services (CMS) to serve as a Medicare Part D Plan Sponsor. The plan manages compliance with CMS regulations regarding Part D plans.

Many employers and organizations providing drug coverage for retirees are currently filing for the Retiree Drug Subsidy (RDS). Our low premium rates include the government subsidy. There is no additional subsidy filing required, saving you administrative costs associated with RDS compliance. In fact, the average subsidy received through an EGWP plan with a non-Part D wrap greatly exceeds the RDS program subsidy. Benistar EGWP plans offer the following advantages for employers and their retirees:

  • Nationwide plan availability
  • No annual plan maximum
  • Flexibility in plan design
  • Flat co-pays or coinsurance
  • Fill the Medicare coverage gap ("donut hole")
  • Choose from our standard plans or customize a plan with underwriting approval
  • With the addition of a non-Part D wrap product, groups can take full advantage of the 50% brand name drug discount provided by the Coverage Gap Discount Program
  • Fully Insured - cap your retiree health liability with an insured plan

Help for Existing Retiree Members


Existing Retiree Members requiring service may contact our customer service representatives Monday - Friday between the hours of 8:30 a.m. to 5:00 p.m. EST at 1-800-236-4782. 


The Benistar Retiree RX Benefit Resource Center


The Benistar Retiree Rx Benefit Resource Center provides you one location where there is easy access to a number of tools to assist you in the management of your prescription drug benefit with Express Scripts. Some of the available functions are:

  • Refill and view your prescription drug order status. For medications with no remaining refills, Express Scripts will contact your physician for a new prescription.
  • ​View claims, balances and prescription drug history.
  • ​Locate a pharmacy.
  • Price a medication.  Shows pricing of a drug at a retail pharmacy versus home delivery and pricing within each stage of coverage.
  • ​View generic equivalents. If you wish to switch to the generic, Express Scripts will contact your physician for a new prescription.
  • ​Access your Explanation of Benefits.
  • Access to general benefit details.
  • See how close you are from entering the Coverage Gap and/or the Catastrophic Stage.
  • All content can be viewed with screen readers for sight impaired members.
  • Availability to view content in Spanish.

NOTE: First time users, you must follow the online instructions to register before your first login. If you need any assistance using this tool, please contact the Benistar retiree customer service department at 1-800-236-4782.

Existing Retiree Members requiring service may contact our customer service representatives Monday - Friday between the hours of 8:30 a.m. to 5:00 p.m. EST at 1-800-236-4782. 

Brokers and Consultants


The Medicare landscape is detailed and constantly changing. Benistar’s experts can assist you in providing the most current solutions to your current and prospective clients. We can provide the consulting expertise to assist you in choosing the right plan for your client. Through our relationships with the most reputable, highly-rated insurance carriers, you can offer your clients flexible and cost-competitive options. When you rely on Benistar to handle your clients’ Medicare needs, you will have more time to focus on meeting new clients. Further, the ability to offer quality, competitive retiree health plans to your prospects can be a differentiating factor in winning new business. We will assist you throughout the process, with fast and expert quote processing and implementation. Our experts know the Medicare environment and will take care of the details so that you can manage other aspects of your business. To learn more about our consulting and administrative services, contact Benistar at (888) 497-9500 x212, or email us at retireesolutions@benistar.com


To learn more about any of our programs, contact us at (888) 497-9500 x212, or email us at retireesolutions@benistar.com.

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