Medicare Support for Employees | HRDelivered – Professional HR Outsourcing Services

Are You or Your Employees Turning 65 Without a Medicare Plan?

If an employee is 65 or older, they may be eligible for Medicare coverage. HRDelivered works with licensed Medicare advisors to help eligible employees understand their options and navigate the enrollment process - at no cost to the employee or employer.

1-on-1 licensed guidance with no pressure or obligation
Licensed advisors available nationwide
Transition support from group health plan to Medicare
Same-day telephonic enrollment available, if eligible
Free service for employees at no cost to your business

Connect with a Medicare Advisor

How It Works

Enrolling in Medicare is simple with licensed advisor support. Depending on your situation, you may choose to transition from your group health plan to Medicare - our advisors explain every step at no cost to you.

01

Book a Consultation

Schedule a free, no-obligation call with a licensed Medicare advisor. Get your questions answered with no sales pressure and no commitment required.

02

Discuss Your Options

A Medicare expert will walk you through available plan options, coverage types, costs, and enrollment periods specific to your situation and location.

03

Enroll the Same Day

Enroll by phone in the plan of your choice - often the same day. Your advisor will handle the paperwork and ensure you have seamless coverage.

What Our Licensed Advisors Provide

When evaluating Medicare options, there's a lot to consider beyond just premiums - deductibles, copays, provider access, drug coverage, and extra benefits all play a role. Our advisors simplify the process.

For Employees

Our licensed advisors guide employees through every step of the Medicare process - from understanding eligibility to enrolling in the right plan.

1-on-1 consultations with a licensed Medicare advisor
Review of all available plan options in your area
Explanation of enrollment periods and deadlines
Same-day telephonic enrollment support
Help understanding extra benefits (dental, vision, gym, OTC)
No cost to the employee - ever

Connect with an Advisor

For Employers

HRDelivered makes it easy to support employees transitioning to Medicare without adding administrative burden to your HR team.

Employer coordination for employees turning 65
No cost or liability to your business
Nationwide coverage - advisors in every state
Seamless transition from group plan to Medicare
Available as part of your HRDelivered PEO service
Reduces HR complexity around Medicare-eligible employees

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Learn What Types of Medicare Coverage Are Available

Medicare has several parts, and each serves a different purpose. Understanding how they work together helps you choose the right coverage for your health needs and budget.

A

Part A - Hospital Insurance

Covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people pay no premium for Part A if they've worked and paid Medicare taxes for at least 10 years.

B

Part B - Medical Insurance

Covers outpatient services, doctor visits, preventive care, lab tests, durable medical equipment, and some home health services. Parts A and B together make up Original Medicare.

C

Part C - Medicare Advantage

An alternative to Original Medicare offered by private insurers. Combines hospital, medical, and often drug coverage in one plan. Many Advantage plans include extra benefits like dental, vision, hearing, and gym memberships.

D

Part D - Prescription Drug Coverage

Adds prescription drug coverage through private plans approved by Medicare. Helps lower the cost of medications and protects against high drug expenses. Available as a standalone plan or included with Medicare Advantage.

Medigap - Supplemental Insurance

Sold by private companies to fill gaps in Original Medicare. Medigap helps pay costs like copayments, coinsurance, and deductibles that Parts A and B don't cover, providing more predictable out-of-pocket expenses.

Frequently Asked Questions

Common questions about Medicare support through HRDelivered.

When should an employee start thinking about Medicare?

Employees should start exploring their Medicare options about three months before their 65th birthday. The Initial Enrollment Period (IEP) spans seven months - three months before the month you turn 65, the month of your birthday, and three months after. Missing this window can result in late enrollment penalties that last for as long as you have Medicare, so early preparation is important.

Can an employee keep their employer group health plan and also have Medicare?

Yes - in some cases employees may have both. However, whether Medicare or the group plan pays first (known as "coordination of benefits") depends on the size of your employer. For employers with fewer than 20 employees, Medicare typically pays first. For employers with 20 or more employees, the group plan generally pays first. Our licensed advisors can help employees understand exactly how their specific situation works and which option makes the most financial sense.

Is there a cost to employees for the Medicare advisory service?

No. The Medicare advisory and enrollment support service provided through HRDelivered is completely free to employees. There is no cost, no obligation, and no pressure. Licensed advisors are compensated by Medicare insurance carriers - not by employees or employers - so employees can get expert guidance without paying anything out of pocket.

What is the difference between Medicare Advantage (Part C) and Original Medicare?

Original Medicare (Parts A and B) is government-administered and covers hospital and medical services. Medicare Advantage (Part C) is offered by private insurers approved by Medicare and typically combines Parts A and B coverage - often with Part D drug coverage included - into a single plan. Many Advantage plans offer additional benefits like dental, vision, hearing, gym memberships, and over-the-counter allowances not available with Original Medicare. Our advisors can compare both options based on your location and health needs.

Can HRDelivered help employees in any state?

Yes. Licensed Medicare advisors are available nationwide, so regardless of where your employees are located, they can receive the same quality of personalized guidance and enrollment support. This is especially valuable for businesses with employees spread across multiple states, where available plan options and costs can vary significantly by region.

Medicare Supportfor Your Employees