Medicare Eligibility

We have a distinctive Medicare advocacy offering designed to help employers manage growing costs of healthcare coverage.

Your employees have options after age 65.

We help them understand their choices.

We work with employers to help their eligible employees understand the process of choosing a 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.
Provide universal Medicare education to all eligible employees.
Deliver proposals for supplemental Medicare coverages that align with individual health and financial needs.
Guide employees through enrollment and assist with benefit coordination.
Help employees identify potential alternative options for dependent healthcare.
Provide SSDI planning and education.

Benefits for employers and employees

Employer Opportunity

Help employees make a decision based on their unique needs.
Benefit from reduced expenses 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.

WORKING WITH US

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 benefit from reduced expenses as a result of employees transitioning to Medicare plans.

Your employees will benefit from excellent coverage.

Our experience with your team has been extremely positive. We do not have Medicare experts on staff, so we rely on our partnership to provide our employees with a credible resource to help navigate the Medicare space. Not only that, but the price point for your services also makes things even more compelling.

SVP of Human Resources

Process Overview

Census data

Our technology integrates census data to identify Medicare-eligible employees and initiate timely outreach.

Engage

Our eligibility specialists contact individuals turning 65 within four months or aged 65+, initiating educational conversations.

Educate

We provide education on Original Medicare and the different supplemental Medicare plan options available in their area.

Enroll

Compare regional plans to identify in-network providers and covered prescription drugs for each employee.

EMPLOYEE EXPERIENCE

1. Introduction

We introduce our services and experience in aiding employees with Medicare decisions and detail our extensive track record, enrolling nearly 15,000 individuals in Medicare plans.

2. Understanding Needs

We address Medicare questions, understand each employee’s healthcare preferences, explain spousal/dependent coverage, and provide alternatives for non-Medicare-eligible spouses.

3. Medicare Overview

We explain Medicare Parts A and B, highlight the differences between original Medicare and supplemental plans, and discuss key enrollment timelines. We also cover the enrollment process, how Medicare interacts with HSAs and other benefits, and set up personalized consultation times.

4. Personalized Consultation

We offer in-depth comparisons of Medicare Advantage and Medigap plans, prescription drug coverage, vison and dental options, and review healthcare providers and costs. We assist in plan selection and enrollment to ensure coverage meets the individual’s needs and is effective as planned.

Medicare is confusing on its best day. Having a resource for our employees that not only helps clarify Medicare but will also help them choose and enroll in Medicare has been invaluable. I no longer have to turn people away to find their own solutions, I can provide one for them.

Human Resources Director

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