One of the key distinctions between RBS , traditional healthcare consulting firms, and benefits brokers is our knowledge and understanding of the fundamental differences between retiree benefit plans and benefits for active employees. Here are some of the more essential differences, and why they are important. · Many of the network providers, carriers, pharmacy   benefit managers, and third party administrators that   are market are not for retiree benefits best in class   in servicing the active employee · Pre-65 retiree health benefits are the most expensive   and difficult to secure. · Medicare Parts A, B, C, and D should all be   considered as a means to reduce costs within the   context of the plan sponsor’s objectives · Legislation and regulation governing retiree benefits   are complex and specific to retiree plans     In the current environment, legislative changes are frequent and likely to continue.     Relying on the active plan vendors to design and deliver your retiree plan benefits is very often not the best solution.     This group is often lumped in with active employee groups although the needs of this group are very different.     Customized benefit plans that supplement or coordinate with Medicare cost a fraction of what a typical active employer plan costs.