Employer Medicare Savings

Medicare support
for employers

Give employees trusted Medicare guidance, lower healthcare costs, and remove the burden from HR—all at absolutely no cost to the employer.

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AVERAGE HR SAVINGS
$7,000+
per employee, per year.
Many employers reinvest those savings directly back into their workforce: meaning better candidates for your team.
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Significant savings

Companies often spend over $7,000 per employee, per year on group premiums alone. Transitioning eligible employees to Medicare can lead to substantial savings while improving coverage and lowering employee out- of-pocket costs.

Are Your Employees Paying More for Less?

Most employees 65+ stay on the group plan, assuming Medicare is inferior — but the data tells a very different story.

Coverage Feature
Monthly Premium
Annual Deductible
Out-of-Pocket Max
Dental Coverage
Vision & Hearing
Prescription Drugs
Fitness Benefits
Specialist Access
Typical Group Plan
$200 – $600+/month
$1,000 – $5,000+/year
Often $6,000 – $10,000+
Separate / Very Limited
Rarely included
Varies widely by plan
Rarely included
Restricted to plan network
Medicare Advantage
As low as $0/month—plans vary by location and carrier
$0 on many plans—varies by plan and service type
Capped by federal law—annual limit set by CMS, contact us for current year maximum
Included in most plans
Included in most plans
Part D built-in
SilverSneakers® & more
Access to broad networks—varies by plan type (HMO vs. PPO)
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WHY EXACT?

The obvious choice for internal HR teams.

Direct employee support

Your employees get a direct line to a Medicare Account Manager. No more HR becoming the middleman for complex questions.

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Dedicated medicare account team

Non-commissioned agents who act as ancextension of your HR department, focused solely on employee outcomes.

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Plan analysis & comparison

Personalized reviews of Medicare options based on individual health needs, providers, and prescriptions.

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Educational workshops

Live webinars and on-demand resources that prepare employees months before their Medicare eligibility.

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Enrollment coordination

We manage the entire transition process—from tracking deadlines to ensuring proper plan selection and enrollment.

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Ongoing support

Live webinars and on-demand resources thatprepare employees months before their Medicare eligibility.

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Direct employee support

Your employees get a direct line to a Medicare Account Manager. No more HR becoming the middleman for complex questions.

Smiling woman with wavy blonde hair in a cream sweater and man in dark blue suit with light blue shirt.

Dedicated medicare account team

Non-commissioned agents who act as an extension of your HR department, focused solely on employee outcomes.

Smiling woman with long curly blonde hair wearing a dark top and light jacket against a white background.

Plan analysis & comparison

Personalized reviews of Medicare options based on individual health needs, providers, and prescriptions.

Senior individual in a grey cardigan and blue shirt observing a younger person in a denim shirt reviewing documents

Educational workshops

Live webinars and on-demand resources that prepare employees months before their Medicare eligibility.

Smiling man wearing earbuds, gesturing while looking at a laptop on a wooden desk with papers and a notebook.

Enrollment coordination

We manage the entire transition process—from tracking deadlines to ensuring proper plan selection and enrollment.

A man in a light blue blazer and a woman in a white blouse looking at a laptop screen together discussing work in a focused and collaborative setting.

Ongoing support

Live webinars and on-demand resources thatprepare employees months before their Medicare eligibility.

Smiling woman wearing a striped shirt and black headset sitting in a chair looking at camera.
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Medicare has changed.

Most HR teams we see simply aren’t aware of the advantages they could be receiving if they qualify. Do any of these sound familiar?

“employees ALREADY KNOW.”

Assuming employees will figure it out.

Medicare is getting increasingly complex. Without guidance, employees make costly errors that can haunt them for decades.

“IT CAN WAIT.”

Waiting until 65 to start the conversation.

Medicare decisions require 3-6 months of preparation. Late starts lead to missed deadlines and rushed, suboptimal choices.

“ALL PLANS ARE SIMILAR.”

Treating all employees the same.

Each employee has unique health needs, prescription requirements, and provider preferences. Cookie-cutter advice fails.

“IT’S HR’S JOB”

Relying on HR to be Medicare experts.

HR has enough on their plate. Medicare is a specialized field that demands dedicated expertise and continuous education.

Medicare is changing.

Most HR teams we see simply aren’t aware of the advantages they could be receiving if they qualify. Do any of these sound familiar?

“employees ALREADY KNOW.”

Assuming employees will figure it out.

Medicare is getting complex. Without guidance, employees make costly errors that can haunt them for decades.

“IT CAN WAIT.”

Waiting until 65 to start the conversation.

Medicare decisions require 3-6 months of preparation. Late starts lead to missed deadlines and rushed choices.

"ALL PLANS ARE THE SAME!"

Treating all employees the same.

Each employee has unique health needs, prescription requirements, and provider preferences.

"ALL PLANS ARE THE SAME!"

Relying on HR to be Medicare experts.

HR has enough on their plate. Medicare is a specialized field that demands dedicated expertise and continuous education.

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Better for employees, too.

Your employees get white-glove Medicare support that makes a complex, stressful transition simple.

Simplicity.

Simple, unbiased guidance—not government confusion.

Premium Options.

Medicare plan comparisons based on their  budget.

Transition Assistance

Help with  transitioning off group coverage.

Clarity.

Confidence and clarity during a stressful process.

Education.

Educational webinars and digital Medicare 101 tools.

Save $7,300 per employee.
Each year.

Helping employees transition to Medicare delivers immediate, measurable financial impact for your organization.

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Lower Premium Costs

Medicare Advantage and supplement plans typically cost 40-60% less than continuing group coverage for 65+ employees.

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Reduced Plan Spend

Every employee who transitions to Medicare removes high-cost claims from your group plan, lowering overall premiums for remaining employees

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Better Benefits

Employees often receive superior coverage on Medicare with lower out-of-pocket costs, prescription savings, and additional perks like dental and vision.

Savings Calculator

See your potential savings

10
Estimated Annual Savings
73,000
per year
Employees (65+) 10
Avg. savings per employee $7,300
Total Annual Savings $73,000

Based on average annual premium savings when transitioning from employer group plans to Medicare. Actual savings vary by plan type, location, and employee health needs.

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Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Logo for Humana Inc., a large American health insurance company.
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The logo for Devoted Health, a company offering Medicare Advantage plans and personalized healthcare services.
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Logo for Anthem, Inc.
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Logo for Humana Inc., a large American health insurance company.
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Aetna company logo in purple text with a registered trademark symbol.
Smiling man wearing a pink shirt and blue blazer with a teal circular background.
Logo for Anthem, Inc.
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Logo for WellCare Health Plans, a company specializing in healthcare insurance and managed care services.
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Logo for Heartland National Life Insurance Company
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Cigna logo with a blue human figure forming a tree with green leaves and an orange circle for the head.
Smiling man wearing a pink shirt and blue blazer with a teal circular background.
Logo for Anthem, Inc.
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Logo for Heartland National Life Insurance Company
Smiling man wearing a pink shirt and blue blazer with a teal circular background.
The logo for Devoted Health, a company offering Medicare Advantage plans and personalized healthcare services.
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Logo for Humana Inc., a large American health insurance company.
Smiling man wearing a pink shirt and blue blazer with a teal circular background.
The logo for Devoted Health, a company offering Medicare Advantage plans and personalized healthcare services.
Smiling woman with wavy blonde hair wearing a light knitted sweater against a lime green circular background. Employer Medicare Benefits & Transition Support | Exact Benefits
Logo for Anthem, Inc.
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Connect with our team to simplify your Medicare complexity.

FAQ's

We’ve got the answers.

What happens if an employee delays Medicare?

If an eligible employee delays Medicare, your group plan usually becomes the primary payer until they enroll. This can increase your plan’s cost exposure and may lead to higher premiums. We help you review each employee’s situation to make sure the timing is right and no one loses coverage or pays penalties.

Does this cost the employer anything?

There’s no added fee for working with Exact Benefits. In many cases, employers actually save money because Medicare becomes the primary payer for eligible employees, reducing claims on your group plan. Our advisors guide you through the process so you stay compliant and financially protected.

What if we’re a small group and Medicare pays first?

For groups under 20 employees, Medicare usually becomes the primary payer. That means your group plan acts as secondary coverage. We help you structure coverage correctly, avoid compliance issues, and make sure your employees understand how their benefits work so there are no surprises.

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Ready to transform your medicare?

Join hundreds of employers who have removed the Medicare burden by switching to Exact Benefits.

Save $7,300+ per year per 65+ employee
Zero cost to your company
Set up in 2-4 weeks
4.9/5

on 5,026 reviews

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