Direct employee support
Your employees get a direct line to a Medicare Account Manager. No more HR becoming the middleman for complex questions.
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.
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.
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 | Typical Group Plan | Medicare Advantage |
|---|---|---|
| Monthly Premium | $200 – $600+/month | As low as $0/month—plans vary by location and carrier |
| Annual Deductible | $1,000 – $5,000+/year | $0 on many plans—varies by plan and service type |
| Out-of-Pocket Max | Often $6,000 – $10,000+ | Capped by federal law—annual limit set by CMS, contact us for current year maximum |
| Dental Coverage | Separate / Very Limited | Included in most plans |
| Vision & Hearing | Rarely included | Included in most plans |
| Prescription Drugs | Varies widely by plan | Part D built-in |
| Fitness Benefits | Rarely included | SilverSneakers® & more |
| Specialist Access | Restricted to plan network | Access to broad networks—varies by plan type (HMO vs. PPO) |
Why Exact?
The obvious choice for internal HR teams.
Dedicated medicare account team
Non-commissioned agents who act as an extension of your HR department, focused solely on employee outcomes.
Plan analysis & comparison
Personalized reviews of Medicare options based on individual health needs, providers, and prescriptions.
Educational workshops
Live webinars and on-demand resources that prepare employees months before their Medicare eligibility.
Enrollment coordination
We manage the entire transition process—from tracking deadlines to ensuring proper plan selection and enrollment.
Ongoing support
Live webinars and on-demand resources thatprepare employees months before their Medicare eligibility.
The Medicare Employer Guide
The most trusted newsletter in Medicare.
From coordination of benefits and compliance risks to retiree coverage strategies, this newsletter helps HR leaders and business owners make confident decisions. Join hundreds of employers who rely on The Medicare Employer Guide for clear, practical insights.
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.
Save $7,300 per employee.
Each year.
Helping employees transition to Medicare delivers immediate, measurable financial impact for your organization.
Lower Premium Costs
Medicare Advantage and supplement plans typically cost 40-60% less than continuing group coverage for 65+ employees.
Reduced Plan Spend
Every employee who transitions to Medicare removes high-cost claims from your group plan, lowering overall premiums for remaining employees
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
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.
Partnerships
Our Medicare Partnerships
CHOICE/ICHRA Administrators
PEOs
Employers & HR
Health Brokers
Insurtech Platforms
HRIS
Featured Articles & Resources
IRMAA: How Income Impacts Medicare Premiums
When “We Didn’t Know” Doesn’t Fix the Problem
Documentation: What HR Should Keep on File
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.
Ready to transform your medicare?
Speak to a trusted team of experts who will learn your situation and clearly lay out next steps.
- Save $7,300+ per year per 65+ employee
- Zero cost to your company
- Set up in 2-4 weeks
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