Planning to Retire Early… But Worried About Losing Your Health Insurance?

Don’t let health insurance keep you from enjoying the early retirement you’ve worked so hard for.

Learn about your FUTURE retirement health plan options TODAY!

FAQs
Take the Assessment
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Are You Asking Yourself…

  • Can I retire before age 65?
  • What happens to my employer health insurance?
  • Is COBRA my only option?
  • Will private health insurance cost too much?
  • Can I keep my current doctors?
  • What if my spouse retires with me

If you’ve asked yourself any of these questions…you’re not alone.

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Retirement Doesn’t Have to Wait

Many people postpone retirement because they’re worried about losing employer-sponsored health insurance.

The good news?

You may have affordable private health insurance options available that can bridge the gap until Medicare begins.

At JP Direct Health, we’ll help you understand your options so you can make an informed retirement decision with confidence.

Your Retirement Health Insurance Options May Include

  • Private PPO Plans
  • Major Medical Coverage
  • Alternative PPO Plans
  • Prescription Benefits
  • Dental & Vision
  • Accident & Critical Illness
  • Budget-Friendly Options
  • Coverage for You and Your Spouse

Retirement Timeline

1. Current Age

Thinking about retirement

2. Call JP Direct Health

Review affordable options

3. Choose the Right Plan

Avoid surprises

4. Retire with Confidence

Enjoy your freedom

5. Transition to Medicare

When you're eligible
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Why Start Planning NOW?

Many people wait until they submit their retirement paperwork before thinking about health insurance.

That can limit your choices and create unnecessary stress.

Planning early gives you time to:

  • Compare options
  • Budget accurately
  • Protect your savings
  • Avoid coverage gaps
  • Retire on your timeline—not your employer's

Ready to Explore Your Retirement Health Insurance Options?

Learn about your FUTURE retirement health plan options TODAY!

FAQs
Take the Assessment
get a quote
enroll now

Frequently Asked Questions

Is COBRA my only option?

No. Depending on your situation, there may be private health insurance alternatives that better fit your needs and budget.

Can I retire before age 65?
Many people do. The key is having a plan for healthcare coverage until you’re eligible for Medicare.
Will I lose my doctors?
Some private PPO plans offer broad provider access. We’ll help you understand which options may work best for your situation.
What if my spouse is retiring too?
We can review coverage options for individuals and couples to help you compare costs and benefits.
Is there any cost to speak with JP Direct Health?
No. Your consultation is complimentary, and we’ll help you understand your options without obligation.

ERISA PPO Plan FAQs

What is an ERISA Plan?
An ERISA plan is any employer-sponsored group health benefit plan in the private
sector that falls under the Employee Retirement Income Security Act (ERISA).
What is an example of an employer who offers an ERISA plan?
A Research Corporation that is dedicated to enhancing global well-being by delivering actionable national health insights and wellness market statistics. They employ Research Associates (RAs) to provide information about their health and consumer habits. Employees complete activities in return for guaranteed payments. W- 2s are issued to the employee.
Who can qualify as a hired Research Associate?
Any prospective individual who meets the employment standards and agrees to the terms of employment. Employment standards have some health questions as they are hiring healthy people to answer healthy people surveys.
What benefits are afforded to Research Associates?
Active Research Associates will be eligible to participate in group medical and wellness benefits. Benefits are made available to other similarly situated Research Associates in return for timely payment of premiums. Failure to pay premiums timely may result in loss of coverage under the terms of the plan.
What are the expectations of a Research Associate?
Each month, Research Associates will be sent an email and/or text for the opportunity to add to their de-identified and anonymous data set by participating in a health research activity. Health research activities are accessed through their Research Associate portal. The dashboard also is the employee’s single site for accessing and understanding their benefits. Activities can vary, such as surveys, videos, quizzes, protocols, health coaching, telemedicine, healthcare satisfaction utilization surveys, and others. In return for sharing their data, the Research Corporation will pay them a payment.
If a Research Associate chooses not to complete activities, will this result in termination?
Activities are optional but encouraged as they help monitor and improve health, reducing the risk of dangerous health conditions and lowering healthcare costs. Failure to perform activities may result in termination of employment.
What are qualified health activities?
Research Associates are compensated at an hourly rate for completing health research activities. Payment is calculated on a pro rata basis according to the time spent on each task. Each activity is designed to take 15 minutes or less to complete. Examples of activities include watching videos, surveys, health coaching, logging vitals, and many more!
Who has the option to complete activities in their employee portal?
The employee who holds the Research Associate status is the individual who may complete activities in their employee portal.
When do employee benefits recurring payments come out?
Benefit payment auto-drafts on or around the 15th of each month.
How do Research Associates look up their current providers to make sure they are contracted with the network?

To search for a provider, please access the link below. Additionally, networks
regularly update their provider network list. It is recommended that current or potential
employees check with their provider to confirm participation in their selected network.
PHCS PPO
1.) Highlight PHCS (Logo on front card) and click Select and Search
2.) Enter your search parameters, your zip code, and select Search.

Can changes be made to the policy, i.e., add dependents, move up or down plan levels, change effective dates, etc.?
Changes can be made during the open enrollment period. Outside of open enrollment, changes require a Qualified Life Event (QLE).
Can I cancel at any time? What are the restrictions?
Employees may cancel at any time. No partial refunds are given. For example, if an employee cancels on November 15th, they will be covered for the remainder of November, will not be charged again, and will no longer be covered starting December 1st.

Don’t Let Health Insurance Delay Your Retirement Dreams

You’ve spent years building your future. Let us help you protect it.

Learn about your FUTURE retirement health plan options TODAY!

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