Employers

Navigator Benefits brings decades of employee-benefits experience to a focused practice helping employers address two increasingly important challenges:

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Employees approaching Medicare

Employees turning 65 often bring Medicare questions to HR first:

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Do I need to enroll in Medicare? Should I stay on the employer plan? Which coverage pays first? What happens to my HSA?

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Medicare is a specialty — and most HR and benefits teams aren’t Medicare specialists.

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Navigator helps employers fill that knowledge gap through employee Medicare education, including one-on-one education sessions, while helping the employer navigate the intersection between Medicare and employer coverage.

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→ Employer Medicare Education

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A different way to provide health benefits

Traditional group health insurance isn’t the only way an employer can help employees obtain health coverage.

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CHOICE Arrangements (ICHRA) allow an employer to establish a defined contribution toward employees’ individual health insurance rather than sponsoring a traditional group health plan.

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Done correctly, that can give employers greater budget control while giving employees more choice in selecting coverage that fits their circumstances.

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It isn’t the right solution for every employer — but for the right situation, it deserves a serious look.

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→ CHOICE Arrangements (ICHRA)

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Start with the problem.

Navigator’s approach isn’t to begin with a particular insurance product.

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What is the employer trying to accomplish? What isn’t working today? What alternatives are available?

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Understand the problem. Define the goal. Do the math. Then determine whether a different approach makes sense.

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→ Contact Navigator Benefits