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.

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.

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.