Post-65 Employee Planning
Making Medicare Transitions Work for Everyone
When an employee turns 65, their relationship with your group health plan changes. Without a clear approach, both sides can end up paying for overlapping coverage they don't need.
WHO WE HELP
Coverage that fits your actual situation.
The individual health insurance market has changed significantly over the past decade. There are more options than ever but also more complexity. Plans vary widely in their coverage, costs, and provider networks. Choosing the wrong plan can mean unexpected expenses, limited access to your doctors, or coverage gaps you don't discover until you actually need care.
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Medicare presents its own layer of complexity. There are multiple parts, enrollment has specific windows, and the decisions you make early can be difficult to reverse later. We help you navigate all of it with clear, practical guidance.
"More options don’t make it easier. Clarity is what helps you choose the right path forward."
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Purchasing coverage for the first time
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Losing employer coverage and needing a replacement
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Self-employed and shopping on your own
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Approaching Medicare eligibility at 65
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Supporting an employee through a coverage transition
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Looking for clarity on marketplace subsidies and plan options
Something that fits your life. Something that adapts as it changes. Something you can rely on at every stage.
WHY IT MATTERS
A small piece with meaningful impact.
Post-65 planning is an area that tends to get overlooked. It affects a relatively small number of employees at any given time, so it rarely rises to the top of the priority list until someone is actually approaching Medicare eligibility and doesn't know what to do.
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For the employer, keeping a post-65 employee on the group health plan without adjusting the structure can result in paying for coverage that Medicare would otherwise handle. For the employee, the transition to Medicare can feel overwhelming, involving multiple plan types, enrollment windows, and decisions that have long-term consequences.
WHAT WE DO
A coordinated path forward for both sides.
We help guide that transition in a way that makes sense for both the employer and the employee. For employers, that means reviewing how post-65 employees are currently covered, identifying where the group plan and Medicare can be better coordinated, and adjusting the structure to reduce unnecessary duplication.
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For employees approaching Medicare eligibility, we help them understand their options: Medicare Parts A and B, Medicare Advantage, Medicare Supplement plans, and how everything fits together. The goal is to make sure they feel supported and informed as they move into the next phase, not confused and left to figure it out on their own.
WHAT IT IS
A transition that requires planning.
When an employee turns 65, they become eligible for Medicare, the federal health insurance program for Americans 65 and older. At that point, the relationship between their employer-sponsored coverage and Medicare becomes important. Without a clear plan, it's easy for both the employer and the employee to end up paying for overlapping coverage they don't need.