The Medicare Employer Guide Newsletter
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Featured Articles
Medicare
Medicare Insurance Coverage Explained: What’s Covered and What’s Not
Medicare insurance coverage helps pay for hospital, medical, and preventive care, but it doesn't cover every healthcare expense, making it important to understand your benefits.
employer medicare guide
When a Spouse Under 65 Complicates the Decision
You’ve been helping an employee who's turning 65 sort through Medicare. So far, everything is going according to plan: Medicare enrollment, employer coverage, maybe COBRA. Then they casually mention, "Oh, and my spouse is 58 and covered under my plan."
Medicare
Do You Need Medicare If You Still Have Employer Coverage?
If you have employer health insurance when you become eligible for Medicare, you may not need to enroll right away. The right choice depends on your employer size, coverage type, and Medicare eligibility rules.
employer medicare guide
COBRA vs Medicare: What Every Employer Needs to Know
The 8-month Special Enrollment Period that Medicare allows doesn’t run from the moment COBRA starts. It runs from the moment the person loses active employment status.
employer medicare guide
How Employer Size Misclassification Creates Liability
Your employee headcount isn't just an HR number—it's a Medicare compliance trigger. If you've grown past a key threshold and haven't updated your MSP classification, your plan could be paying claims in the wrong order right now.
employer medicare guide
Medicare Late Enrollment Penalties: What Employers Need to Know
Medicare late enrollment penalties are permanent premium increases that may apply when eligible individuals delay Medicare enrollment without qualifying coverage.
employer medicare guide
The Most Common Medicare Mistakes Employers Make
Employer Medicare mistakes cost time, money, and trust. Learn the five most common compliance errors Ohio employers make with Medicare coordination and how to avoid them
employer medicare guide
Coordination of Benefits: How Employer Plans and Medicare Decide Who Pays First
Coordination of benefits determines whether your employer plan or Medicare pays first. Learn how COB works, common mistakes, and what Ohio Medicare employers need to know.
employer medicare guide
Medicare Part B Late Enrollment Penalty: What HR Teams Need to Know
The Part B late enrollment penalty doesn't warn you before it applies. It just shows up in an employee's premium—permanently. Here's what HR needs to know before someone turns 65.
employer medicare guide
Medicare Part A and HSA Conflicts: What Employers Need to Know
The moment an employee enrolls in Medicare Part A, their HSA eligibility ends. Most employers don't find out until a tax deadline or audit question makes it unavoidable.
employer medicare guide
When Medicare Should Have Been Primary for Employers
Learn what happens when Medicare should have been primary and how HR teams can fix MSP mistakes before CMS recovers.
employer medicare guide
The 20-Employee Rule: What Ohio Medicare Compliance Means for Employers
Learn how the 20-employee MSP rule works, how to calculate your headcount correctly, and what happens when employers get it wrong.
employer medicare guide
Do Employees Still Working Past 65 Actually Need Medicare?
I'm still working. Do I actually need Medicare?" It sounds like a yes-or-no question. It almost never is.
employer medicare guide
What Employers Need to Know When Employees Turn 65
When an employee turns 65, Medicare becomes available to them. What happens next is rarely as straightforward as either the employee or the employer expects — and the cost of assuming otherwise tends to show up later.
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