Retiree Health and Welfare Benefits

For over a decade, KTP has achieved a track record of helping our clients consistently provide retiree health care insurance benefits at a cost below national averages.  No one factor can explain this performance.  We believe that achieving results of this caliber requires a day-in day-out focus on the drivers of cost for these benefits.  Our relentless focus on existing and emerging opportunities for maximizing cost-effectiveness produces results that we believe speak for themselves.

Our process with our clients includes:

  • Reviewing their short-term goals and long-term objectives
  • Analyzing existing benefit plans to determine potential changes and improvements
  • Developing a retiree health benefit strategy based on the client’s goals and objectives
  • Designing specific, customized medical and prescription drug solutions for pre-65 and post-65 retirees
  • Providing preliminary legal, accounting, actuarial and regulatory counsel
  • Structuring plans based on risk tolerance, funding preferences, and contractual obligations
  • Auditing existing benefit plans
  • Negotiating the most favorable pricing and terms with carriers, pharmacy benefit managers, network providers, and third-party administrators by conducting an aggressive and competitive bidding process
  • Implementing new strategies in a systematic and detailed fashion
  • Communicating changes and transitions through a single point-of-contact
  • Managing all plan administrative services and relationships
  • Evaluating and tracking market dynamics and legislative changes to ensure continuous strategy optimization

If you have any questions regarding our services, or would like more information, please contact: Nicole Allen at or Kate Beebe at