Google+ RDS vs EGWP Archives - google0234ed6cc8d24af6.html
Zero Plan Disruption for Retirees
Zero Plan Disruption for Retirees
EGWP's allow plan retiree's to keep the same pharmacy benefits without interruption or additional costs, while the plan provider realizes significant cost savings.
Retiree Prescription Drug Plans
Retiree Prescription Drug Plans
Under an EGWP the PDP handles main administrative requirements, manages all federal interaction, collects federal Part D plan subsidies and assumes compliance responsibilities.
Employee Group Waiver Plans
Employee Group Waiver Plans
EGWP's are commonly referred to as Egg Whips and provide generous cost savings combined with improved cash management.


Vermont State Retired Employees and Teachers Switch to EGWP for Savings

Vermont Retirees Switch to EGWP for Drug Benefits Vermont state retired employees and teachers switch to EGWP for their retiree prescription plan drug benefits.  According to, federal subsidies provided by a switch to EGWP plan will save the state 2.1 million to 2.6 million annually.  In addition, the state’s future liabilities for OPEB’s will be reduced by over $100 million. According to VTDigger, Vermont state Human Resources Commissioner Kate Duffy is quoted as saying “There’s a lot of talk

Impending CMS EGWP Changes May Make Supplemental Insurance Unnecessary

April 2014 CMS EGWP +wrap Rule Change Dec. 23, 2013 – According to Crain’s Business Insurance Magazine, CMS EGWP +wrap plans may become unnecessary if the CMS regulations change as anticipated in April of 2014. Migration to CMS EGWP Moving Quickly According to the article, changes to CMS EGWP plans are being readily adopted as changes to the Medicare Part D RDS  subsidies are no longer tax deductible.  Employers implementing an EGWP have seen resulting pretax costs lowered by 20%

Retiree Prescription Benefit Plans Boosted by Lowered Pharmacy Costs

December 18, 2013 – In a report released earlier this year by ExpressScripts, projected costs for 8 of the 10 most popular therapy classes will see the cost of the prescription drugs used to treat them decline.  This is welcome news for companies that support retiree prescription benefit plans. Lower overall prescription costs over the next several years are forecast by several sources including the CMS, Segal Consulting and ExpressScripts.  For employers who provide retiree prescription benefit plans this is

Infographic on RDS vs EGWP

Our Infographic on RDS vs EGWP + wrap options explains how Egg Whips are more desirable in today’s economic climate.  Employer Group Waiver Plans offer a variety of benefits that RDS options just cannot match for retiree’s access to affordable prescription drugs. Large employers (both public and private), third party administrators (TPA’s), school systems, municipalities, city governments and unions can all benefit from EGWP coverages for plan enrollee’s under Medicare Part D.  The infographic on RDS vs EGWP below will

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