Save your seat for our new webinar, "What to Know About the CMS Final Rule" on May 15th at 1pm ET View in browser (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sb7lFdnW6N2kFb6lZ3mzW7fdSGK4XWYSBW3lyh-35XD843N5n5ktVQNhKtW5QYpHh16wLjnN8GmVrTKG4YnW58wTJ54393cnW544SVH8YJ5mXW1qcz1F7rWBg8W6Jgf1Y2SbTZQW28YBB-97ZZMmVdtmBh2ktjGRW3S6T1T341xzMW3Qj8jq17HXt3W4BHwKt9h8PYqW1MGkKH79p27wW4ZMxZZ2Ts_yFW5dfHCC1BZ-W9W58vcZG2_-94KW374WFH90hQd4W22fjwT5Dt1gkW4jfHl84LzV2lW1-TPHd2mkSSnW48bqGv8kq0H0N7_0StrkGs6LW4-pgM-98tfX4W2N42zF1818y-V5DpZc3XWsSCN5kCGlWfdxgyW8n0gFR5CKmjPW37fnWC3YLrWCN1MtYdpY0nWqW8plZjT3PZS0JW90lNTj1XX_mLW2HRwm28tYj5HW37lwj-1WHBfyW4dS2qh8xtMkcW3ylMMH8v178kN2slcVtHyCtmW8-cc444HMTfSW5d20VZ6_GFMPW5P_lTH2bplxMW1W4gY68FqyW0W7G_J4c3HLQKvW8Bb5Yt7xL2JHW69T37b99s8JzW6M6FRF5BpX67W2gyS9L9jHGllN6xln2z1H-WDW7TW_Dt94dzfDW8_tkFn3fn-6CW3N9lj75hzb9WVcCp1s8S27sMW6CWt2Y7wyhbFW55Ffzn5kFDrZd89zJF04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmth_DxhrUs$ ) Connect (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7rj5n4LbW50kH_H6lZ3lQMzGK4Z2djB_W3LgSdy1BKgn4W9bhvL376DyBBVbvs6g30X1cTW79dl-f5lRs0WW2Y1w_6669JgCVSBDYn8WQd-LN6yjKVyb8F0FW99DGtf7KPNLCW2BWGqH80PjL2VFXk7f1ppy2HW8zS7BL7kM-xTW4GY_NV3Xd1SSW5tH5KR6xwGBgW63T_g03jFNjnW44cLLl2-5yJjW3zlV-J80cff2W6SC8lZ7kD8kzW7RHV1m66q4l5W8K7XKk4_LPfDW7p1nq_446TwjW1g6XLX6005vTW6fwBQV3N4WMNW15tHQg4gQjfWW4d15BH1F4CDsW4gyH2_4w0My2VPzkDm8WDGgHW57fyJq8XR36mW42wrYD71t0VgW9h8_7r1wmYVLW94VK7f85sbqmW3H2Vzv2DYM6MdVt_m204__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmth_s7z7kI$ ) with us Gap-Coverage-Eliminated-in-2025 (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sb5n4LbW6N1X8z6lZ3mQW4wb_PP4dG3vfW7Q1fzt2w3_6ZW1pM7F84qk-YmW5vf7Km81VWMFW5ghRWk1YJ0fTN5LpNCmZbVhpW2SPvz-6DqQPMW2ZFJNh28mgx4N8nLlnDQzp8vVZY10G5hgG6JW1S-L5d5Wtt_zW7HQPh72H5BX4N8vl6_rJ6FhyW3s4GZq5LLlPJW5pGb908X9PGTN1sS37t23Sv0W2qD_ss5SbT8jMk5Z-NGF37ZW24ZqNg31Pzj0W4R-4kj6zS0M-W1YKYBH13ZZwtVx4wjw1gccctW2Wy69Q8XR1qhW6TsRj25QybMLW6jk4vR83SGnBVh0tHZ1gldt8W76xbBw5F7WyQW85WtjD5H5Hp1W4q5p0_5zx8m6W2z5vrB4Jt6m4W4Nk7yJ5M0y_hW2h6p-M6jynrxN5PW6xmHlNhwN33hpZzdbbgRVZrG8s3v_C4JW750gpK5R13cNW3vxKBx5NFckmVS9FpT6qjpjDf18GqyF04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthaKSoywc$ ) Change is Coming. The Centers for Medicare & Medicaid (CMS) released their final rule April 1 with policy changes. In 2025, the Coverage Gap phase will be eliminated. A newly defined standard Part D benefit will consist of only three phases: annual deductible, initial coverage, and catastrophic coverage. The annual out-of-pocket threshold for members will be capped at $2,000. The financial liability of enrollees, Part D sponsors, drug manufacturers, and CMS will also change next year. How will all these policy changes impact your Group Medicare plan and what actionable steps should you take to minimize potential financial impact? Save your seat (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sb5n4LbW6N1X8z6lZ3mQW4wb_PP4dG3vfW7Q1fzt2w3_6ZW1pM7F84qk-YmW5vf7Km81VWMFW5ghRWk1YJ0fTN5LpNCmZbVhpW2SPvz-6DqQPMW2ZFJNh28mgx4N8nLlnDQzp8vVZY10G5hgG6JW1S-L5d5Wtt_zW7HQPh72H5BX4N8vl6_rJ6FhyW3s4GZq5LLlPJW5pGb908X9PGTN1sS37t23Sv0W2qD_ss5SbT8jMk5Z-NGF37ZW24ZqNg31Pzj0W4R-4kj6zS0M-W1YKYBH13ZZwtVx4wjw1gccctW2Wy69Q8XR1qhW6TsRj25QybMLW6jk4vR83SGnBVh0tHZ1gldt8W76xbBw5F7WyQW85WtjD5H5Hp1W4q5p0_5zx8m6W2z5vrB4Jt6m4W4Nk7yJ5M0y_hW2h6p-M6jynrxN5PW6xmHlNhwN33hpZzdbbgRVZrG8s3v_C4JW750gpK5R13cNW3vxKBx5NFckmVS9FpT6qjpjDf18GqyF04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthaKSoywc$ ) in our live webinar, learn from our experts, and get ahead of change in 2025. Save My Seat (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sb5n4LbW6N1X8z6lZ3mQW4wb_PP4dG3vfW7Q1fzt2w3_6ZW1pM7F84qk-YmW5vf7Km81VWMFW5ghRWk1YJ0fTN5LpNCmZbVhpW2SPvz-6DqQPMW2ZFJNh28mgx4N8nLlnDQzp8vVZY10G5hgG6JW1S-L5d5Wtt_zW7HQPh72H5BX4N8vl6_rJ6FhyW3s4GZq5LLlPJW5pGb908X9PGTN1sS37t23Sv0W2qD_ss5SbT8jMk5Z-NGF37ZW24ZqNg31Pzj0W4R-4kj6zS0M-W1YKYBH13ZZwtVx4wjw1gccctW2Wy69Q8XR1qhW6TsRj25QybMLW6jk4vR83SGnBVh0tHZ1gldt8W76xbBw5F7WyQW85WtjD5H5Hp1W4q5p0_5zx8m6W2z5vrB4Jt6m4W4Nk7yJ5M0y_hW2h6p-M6jynrxN5PW6xmHlNhwN33hpZzdbbgRVZrG8s3v_C4JW750gpK5R13cNW3vxKBx5NFckmVS9FpT6qjpjDf18GqyF04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthaKSoywc$ ) In our second informational webinar on CMS changes, our CEO John Dulczak and Chief Product Officer Sheela Andrews, Pharm D., will review important updates outlined in the CMS final rule and implications to Group Medicare Advantage and Part D benefit plans in 2025. As a helpful guide, download our Part D 2024/2025 Comparison Charts (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sv5n4LbW7lCGcx6lZ3kZW8pxMdJ709kRbW74gc8Z7qzW9vW2wxxtv5H53hLW6K_5322WXy4vW1n26Yf1SD9gYW2QjWxd3C6PpxW2qP44L8B7vF-VGSS8S8F8ht9W7Wxl-q2bjFspW42qH9W7xV6dWN2Q91vSG-K0pN27glHzG315-W6yjlDw5gDmQgW498KW21WRpyZW3_TNwf66Y61cW4vZWbs34HVmkW8DTgl32xm0gBW3thBN-4_pTZzN1lPRvd3pBzqVBz0jz20tGw4V3rlJ368rmSkW1Mx3446tT4BNW2pqStp2mhMvLW13mxS059rSCYW6vhkrT1zX2cbVwk1_J1Q2nFQW8zh1QL7n_0BYW4y9GDK1k0wJcW8SjRhY57rny1W1CVp4w5wK4HPW5rnbGn76zmvHW398dWP3gXNGhW34H7TF5Mhg-nW7BJKwH6Fg6RkW5tJ7LL8p1kwcW4FVfkn4vr-RdW4rsCFn3vx6MwW8Yy6Hr1Sr-MFN72f-ycwVSPLW3rn2q25Rr6BBf1h5wkq04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthrBC4_UA$ ) . Calendar years are labeled on the left. Phases are grouped into labeled columns separated by thresholds that advance members from left to right into the next phase. Color-coded blocks represent financial liabilities in the newly defined standard Part D benefit design. Download Charts (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7sv5n4LbW7lCGcx6lZ3kZW8pxMdJ709kRbW74gc8Z7qzW9vW2wxxtv5H53hLW6K_5322WXy4vW1n26Yf1SD9gYW2QjWxd3C6PpxW2qP44L8B7vF-VGSS8S8F8ht9W7Wxl-q2bjFspW42qH9W7xV6dWN2Q91vSG-K0pN27glHzG315-W6yjlDw5gDmQgW498KW21WRpyZW3_TNwf66Y61cW4vZWbs34HVmkW8DTgl32xm0gBW3thBN-4_pTZzN1lPRvd3pBzqVBz0jz20tGw4V3rlJ368rmSkW1Mx3446tT4BNW2pqStp2mhMvLW13mxS059rSCYW6vhkrT1zX2cbVwk1_J1Q2nFQW8zh1QL7n_0BYW4y9GDK1k0wJcW8SjRhY57rny1W1CVp4w5wK4HPW5rnbGn76zmvHW398dWP3gXNGhW34H7TF5Mhg-nW7BJKwH6Fg6RkW5tJ7LL8p1kwcW4FVfkn4vr-RdW4rsCFn3vx6MwW8Yy6Hr1Sr-MFN72f-ycwVSPLW3rn2q25Rr6BBf1h5wkq04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthrBC4_UA$ ) About RetireeFirst We are the premier Retiree Benefits Management provider, enhancing the experience and outcomes for group plan sponsors and their retirees. We provide an end-to-end solution built on three pillars: Strategy, Support, and Advocacy, and partner with brokers, consultants, and clients to meet their unique needs—ultimately reducing costs while preserving group retiree benefits. To learn more, visit our website https://urldefense.com/v3/__http://RetireeFirst.com__;!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthRT72CXM$ (https://urldefense.com/v3/__https://d2LWP904.na1.hubspotlinks.com/Ctc/2O*113/d2LWP904/VWWy4733lD6tW79RgLp2xhdgbW56dvtZ5cHS6MN6TZ7rj5n4LbW50kH_H6lZ3pmW2sZJhw1S9Vt0N11bd8wW9f42W1FxJCP4_23VrW6HTbfH7h6G1_W6JD0px8DdNtZW1XlWY_172s9WW909zL08J41-cN7VN1g6vTR0SW225SJ-1r0hnRW8pgrZG8m-DS0W6sqrjd3MB7cjW91FdSw5pwKPjW5qmq4V2xRZfhW7bvLm55sMqpKW93Vg1D3Z944wW5ZTHGN2yPp_FN4lXLhX4L07cW2FdSPN1BZnzyN8_Q_v46yyNPW6twS5w6DzdmVW6P2KrV7BGS81VNdqSm5gr0xLW3Y0CZc4sFZbBW7ZHMl097qgM3N8-2hBsvsW0YW4T369j7h8W67W60LMLX9897dnW4jDMTT5Zf9NpN92Fc8d4FK9LW7jKvmW4YZGGmW4tp5zv1RGppcVCfKwk3QCzjyf4VSWMM04__;Kw!!KOmxaIYkRmNA0A!Q3s6xepmWqnEEok8vZYYXHDw69mXcZKGfFs9jPcq5bpenqQd_RUenETJiO1Od7J5xOiVBu16qe33kmthnUIU_2Y$ ) RetireeFirst Full Logo footer 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