Eligibility Services

Your employees have options after age 65.

Brown & Brown Absence Services Group has a distinctive Eligibility Services offering designed to help employers manage growing costs of healthcare coverage.

We work with employers to help eligible employees understand the process of choosing an ideal Medicare plan that meets their individual medical and financial needs.

Aging Workforce

The US Bureau of Labor Statistics projects that, by 2024, 13 million people age 65 and older will still be working, and the number of workers ages 65 to 74 will swell by 55 percent in 10 years.

Medicare Myths

Many employees may believe the myth that Medicare is not quality coverage. We help to educate your employees on the benefits of Medicare, and enroll them in policies suited to their needs.

Rising Costs

It is estimated that the employer cost for healthcare for employees over 65 is more than twice that of the cost of employees under 65. This is an average of $18,000 per year per employee.

Our comprehensive suite of services

Monitor employee eligibility dates.
Communicate Medicare eligibility to employees 65 years and older.
Schedule customized consultations with our licensed agents to review supplemental coverage options.
Guide employees through enrollment.

Assist with benefit coordination.
Complimentary webinars to address questions for employees and their families.
Represent disabled employees in their claim for Social Security Disability (SSDI).
Provide SSDI planning and education.

Benefits for employers and employees

Employer Opportunity

Help employees make a decision based on their unique needs.
Realize cost savings if employees switch to Medicare.
Reduce administrative burden on Human Resources team.

Employee Opportunity

Employees 65+ have the ability to choose their own healthcare.
Medicare offers comprehensive and affordable custom plan designs.
Personalized Medicare selection guidance is provided by experienced licensed agents.

We’ll educate employees on the benefits of Medicare and the options available.

We’ll enroll eligible employees into their ideal Medicare plans.

You’ll receive cost savings resulting from employees moving to Medicare plans.

Your employees will benefit from excellent coverage.

Understanding the different parts of Medicare

All beneficiaries start with Original Medicare

Parts A & B cover many services but have no limits on client expenses.

Part A

Hospital Insurance

Part B

Medical Insurance

Covers inpatient hospital care, short-term skilled nursing/rehab facilities, and hospice care
Premium-free for most beneficiaries

Covers doctor’s office visits, outpatient/day procedures and therapies, specified preventive services, and durable medical equipment

Additional plans offered through private insurers

Part C

Medicare Advantage

Part D

Prescription Drug

Medicare Supplement

Medigap

Advantage plans offer all the benefits of Part A, B, & D through a private insurance company
Some Advantage plans may also include some dental or vision coverage

Offered through private insurers
Provides access to prescription medications

Offered through private insurers
Designed to work with Original Medicare
Can cover Part A & B coinsurance, deductibles, and copayments