Blog Article
What Employers Need to Know When Their Employees Become Medicare-Eligible
Medicare For Employers
How Medicare Impacts Your Business and Team
Helping employers understand Medicare requirements and guide Medicare-eligible employees through coverage choices
Understanding Your Role
Turn Medicare Confusion into Strategic Clarity
OneDigital Advanced Health partners with HR and benefits leaders to simplify Medicare guidance, empower employee decision-making, and support broader group health strategy goals. With our support, employers can:
- Provide education to Medicare-eligible employees
- Align Medicare with broader healthcare cost strategies
- Help reduce confusion and support employer understanding of Medicare-related requirements.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
What Employers Can Expect
Ensure your team members approaching Medicare get the help they need with:
- One-on-one consultations tailored to employee needs
- Education around dependent coverage and enrollment timing
- Guidance on integrating Medicare with employer coverage
Medicare education can complement your long-term benefits strategy through:
- Evaluating cost implications of Medicare-eligible participants
- Designing thoughtful transition strategies for retiree coverage
- Enhancing employee satisfaction while managing risk
Speak with a licensed insurance agent for Medicare guidance. We offer:
- Free consultations with no obligation to enroll
- Step-by-step support throughout the enrollment process
- Guidance on integrating Medicare with employer coverage if needed
- Insights on how plan availability, carrier networks, and coverage can vary by state
Connect with an Agent
(312) 238-0680 | TTY/TDD: 711
We're here to assist you in navigating your options.
Hours of operation (M-F 8am CST – 6pm CST)
By calling this number, you will be connected with a licensed insurance agent.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Why Medicare Matters for Your Workforce
19.5%
of Americans age 65+ are still in the labor forceAs more Medicare-eligible employees remain working, it's critical for your business to plan how their healthcare and benefits needs will change.
$1,000/day
maximum CMS penalty for Medicare non‑reportingFailing to comply with Medicare Secondary Payer reporting rules can result in penalties of up to $1,000/day. CMS.gov
Medicare Guidance for Employers
Answers to common questions about supporting Medicare-eligible employees.
We recommend beginning conversations 6–12 months before an employee turns 65. This timeframe allows employees to understand their options, compare employer plan integration, and avoid late enrollment penalties. Employers benefit by proactively planning for coverage transitions, understanding how Medicare eligibility may impact group benefits, and providing clear guidance so employees can make informed decisions about their healthcare.
Plan availability and benefits vary by carrier and service area.
Yes, but it depends on factors such as company size and how Medicare coordinates with your plan. Employers with more than 20 employees may allow individuals to stay on the group plan, while smaller employers (with less than 20 employees) may see Medicare as primary. Our advisors help evaluate each situation and determine the best approach for both your business and your employees. Learn more by reading: What to Know About Medicare-Eligible Employees and Your Group Health Plan
Plan availability and benefits vary by carrier and service area.
Consultations are provided at no cost to your organization or employees. OneDigital’s team of experts helps you navigate complex rules, educate staff, and support informed decisions. Offering guidance proactively can improve employee satisfaction, prevent costly mistakes, and demonstrate that your organization values healthcare clarity during this important life transition.
Plan availability and benefits vary by carrier and service area.
Employers must follow Medicare Secondary Payer rules and report accurately to avoid penalties. Responsibilities include understanding coordination of benefits, tracking Medicare eligibility, and submitting required notifications. OneDigital works with your team to clarify employer responsibilities, support understanding of Medicare rules, and provide guidance on reporting and eligibility processes. Learn more by reading: What Employers Need to Know When Their Employees Become Medicare-Eligible
Plan availability and benefits vary by carrier and service area.
Speak to a licensed agent today.
We're here to assist you in navigating your options.
1-888-530-2586 | TTY/TDD: 711
Hours of operation (M-F 8am CST – 6pm CST)
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Plans are insured or covered by a Medicare Advantage (HMO, PPO and PFFS) organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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