By Travis Albanesius, Medicare Insurance Advisor, DeverCare Insurance Group, GRCA Team of Experts for Healthcare Plans
Employees aged 65 and older often have more health insurance options than they realize. Many don’t know that they are not required to stay on their Employer Group Health Plan. In fact, Medicare plans frequently offer better coverage at more affordable prices.
As a Medicare Advisor and Broker, I’ve observed a significant trend: more employees are transitioning from employer group health plans to Medicare. This shift is new. Historically, employer plans were superior. But, due to rising healthcare costs, employer plans regularly feature high deductibles, maximum out-of-pocket expenses and increased monthly premiums.
Now, more than ever, employees nearing 65 need to know their options.
How can they find reliable, pressure-free information? They’re often overwhelmed by:
- Mailboxes filled with marketing materials urging immediate action to avoid late enrollment penalties.
- Constant phone calls and text messages from Medicare agents who have purchased their information.
This barrage of misleading material and high-pressure sales tactics makes the process stressful and confusing.
How can you, as an employer, help?
- Offer a Medicare concierge service. Partnering with a trusted Medicare Advisor/Broker can:
- Eliminate frustration, stress, and guesswork for your employees
- Provide cost-free education and enrollment services
- Simplify the transition to Medicare
- Make senior employees feel valued and appreciated
Real-life example:
Recently, a couple sought my help comparing their employer plan to Medicare. The wife had a $5,000 out-of-pocket expense for a knee replacement due to their high deductible. Delaying her second knee replacement due to cost, she was advised by a nurse to explore Medicare. Upon comparison, they switched and saved thousands on her second procedure.
Key takeaways for employers:
- Don’t let your senior employees navigate health options alone
- Proactively find a trusted Medicare Advisor to partner with your HR team
- DeverCare Insurance group provides concierge Medicare service to ensure your employees feel seen, valued and cared for
Let’s connect today to discuss how I can help your team members transition to Medicare with confidence and peace of mind!