Employer Medicare Education

Employees approaching Medicare often bring their questions to HR first.

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• Do I need to enroll in Medicare at 65?

• Should I stay on the employer plan?

• Which coverage pays first?

• What happens to my HSA?

• What will Medicare cost me?

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Those are reasonable questions. But the answers can depend on employer size, active-employment status, HSA participation, Medicare enrollment rules, and the employee’s individual circumstances.

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That is where Navigator can help.

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Help employees understand their choices.

Navigator can provide employee Medicare education, including one-on-one education sessions, to help employees understand how Medicare works alongside employer coverage.

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The goal is not to push employees toward Medicare or away from the employer plan.

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It is to help them understand the rules, compare their choices, do the math, and make an informed decision based on their own circumstances.

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It can help the employer, too.

When employees have somewhere knowledgeable to take their Medicare questions, HR and Benefits teams don’t have to become Medicare experts themselves.

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Navigator can serve as a resource for employees while helping the employer understand the Medicare issues that intersect with its benefits program.

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Medicare and employer coverage can intersect in important ways.

Depending on the situation, employees may need to understand issues such as:

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• Whether Medicare or the employer plan pays first

• When Medicare enrollment can be delayed

• Special Enrollment Period rules

• COBRA and Medicare

• HSA contributions and Medicare enrollment

• Part D creditable coverage

• Medicare premiums and potential IRMAA costs

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Small mistakes in timing can sometimes have lasting consequences.

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Education — without adding to HR’s workload.

Navigator can work with employers to provide Medicare education in a way that fits the organization — from group educational sessions to individual conversations with employees who need help sorting through their own circumstances.

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The employer doesn’t have to become the Medicare expert.

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Navigator can help fill that gap.

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→ Talk with Navigator about Employer Medicare Education

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