Medicare
Comprehensive Medicare Solutions
Work with our team to ensure Medicare compliance and gain the support necessary to navigate the details of this governmental program.
Plan Comparisons Tailored to Your Needs
The plethora of Medicare plans can be overwhelming, but rest assured — our dedicated team of licensed agents who specialize in Medicare will be able to share easy-to-understand plan comparisons. We will work with you to pinpoint the ideal plan that aligns perfectly with your medical and financial needs.
Our team can help you explore traditional Medicare options and Medicare Advantage plans, offering alternative coverage for employees. Medicare Advantage Plans can deliver additional benefits and lower premiums, making them a beneficial choice.
Enrollment Assistance for Effortless Enrollment, Every Time
Embrace the Medicare enrollment process without a hitch. Our licensed agents can guide and educate your employees through paperwork and submission procedures to guarantee a hassle-free experience.
Medicare Education Makes It Easy for You
Unraveling the complexities of Medicare can be complex and challenging, but with our in-house licensed agents and our resources, we make the process easy for your organization. We offer regular Medicare education sessions that provide you and your employees with comprehensive insights into the different facets of Medicare, empowering them to make well-informed decisions regarding their health care coverage.
We can also help guide you through compliance and legal topics associated with Medicare to keep you up to date. As an employer, you can more easily navigate the complexities of offering this benefit for active employees with our support.
Personalized Consultations for Your Health Care, Your Way
We recognize that each health care journey is distinct, and we’re here to provide trusted and personalized advice. We offer no-obligation consultations with a licensed agent to help craft a plan that meets your company’s needs. We’re happy to meet with you over video conference, phone or in person somewhere convenient for you.
Medicare Made Easy
Medicare can be complex, but our team of licensed agents is here to help guide you through the decision-making process and provide one-on-one education to help you make the best decisions. Here are a few benefits of Medicare insurance guidance for employers:
- Expertise at your fingertips: Our licensed agents have the experience and in-depth understanding of the program’s nuances to help address your unique questions and provide guidance.
- Streamlined simplicity: Navigating Medicare complexities is challenging, but we can help companies and their employees through the process to allow you comfort in knowing you have made the most informed decision.
- Customer service excellence: Our team of licensed agents is ready to support you with any questions that arise or challenges you face along the way.
- Improved employee satisfaction: We provide access to expert guidance and support, helping you make informed decisions about coverage, which can help improve your employees’ confidence in your organization.
- Strategic planning: You can rely on us to support you now and into the future. Our team helps you develop and implement long-term strategies that help you more effectively manage employee health benefits, including Medicare.
Get in touch today to learn more about Medicare and the various options available to you.
Specializing in All Things People
If you’re seeking support in managing employee benefits, we can help. Our team at Exude has consulted with companies like yours regarding employee benefits since 1996. When you work with us, you get access to a team of experts committed to helping your company become the best version of itself. We’re available 24/7, giving you the dedicated service you need. We focus on topics like Medicare, allowing you to concentrate on your mission.
Medicare FAQ
Medicare is a health insurance program provided by the government in the United States that supplies coverage for eligible individuals, usually age 65 and older. Other eligible individuals may include people with disabilities, amyotrophic lateral sclerosis (ALS) or end-stage renal disease.
Medicare is divided into several parts:
- Part A: Hospital Insurance
- Part B: Medical Insurance
- Part C: Medicare Advantage Plans
- Part D: Prescription Drug Coverage
If you are a smaller company and have employees who are 65 or older, they should generally enroll during the Initial Enrollment Period (IEP). This period begins three months before their 65th birthday and extends for seven months. Within larger companies, Medicare may not always be necessary.
This decision depends on the size of the company. In a business with fewer than 20 employees, the employees must enroll in Medicare when they become eligible because, by law, Medicare becomes the primary payor. If your company has over 20 employees, and if the plan is creditable, employees can safely delay enrollment into Medicare.
However, it is always best to educate your staff and encourage them to weigh their options because they may be able to get coverage at a lower cost, providing more benefits through Medicare. If your company has fewer than 100 employees and you have employees or spouses with disabilities, Medicare would be considered primary coverage.
This coverage includes most inpatient care, including in hospitals, hospices and skilled nursing facilities. It may also cover some home health care services. Most individuals are eligible for premium-free Part A coverage if they have — or their spouse has — a sufficient history of Medicare tax contributions through employment.
It includes outpatient services, preventive care, doctor visits and some home health care. This coverage requires a monthly premium.
Medicare Advantage Plans (Part C) are offered by private insurance companies approved by Medicare. They combine Part A and Part B coverage and often include additional benefits with lower monthly premiums.
Supplement Plans, often referred to as “Medigap” plans, are offered by private health insurance companies and pick up where Part A and B leave off. They help pay some health care costs that Medicare Part A and B don’t cover, like coinsurance, copays and deductibles. Typically, the more comprehensive the coverage, the higher the monthly premium.
If they want prescription drug coverage, they can enroll in a Medicare Part D plan. These plans are also offered by private insurance companies.
The Medicare Open Enrollment Period, or the Annual Enrollment Period (AEP), occurs from October 15 to December 7 each year. During this time, employees can make changes to Medicare Advantage or Part D plans. Supplement plans are not subject to AEP.
Yes, many individuals qualify for both. This qualification is often referred to as “dual eligibility.” Generally, Medicare pays for covered services, and Medicaid may cover additional remaining expenses.
Yes, there are certain periods during the year when they can make changes to their Medicare coverage. These include the Annual Enrollment Period and Special Enrollment Periods triggered by certain life events.
Programs like the Medicare Savings Programs and Extra Help (Low-Income Subsidy) can help lower-income individuals with their Medicare premiums, deductibles and prescription drug costs.
Meet Ashley Wall — Your Medicare Licensed Agent
Ashley has more than 11 years of experience in the insurance industry, with over two years specializing exclusively in the education and service of Medicare products. She enhanced her knowledge and expertise in the Consumer and Senior Markets and has continuously educated herself on Medicare plan options to better assist your organization with health advocacy solutions, including helping employees evaluate and select the ideal plans.