01
Medicare Secondary Payer rules
Employers can't steer employees off the group plan toward Medicare. Even well-intentioned guidance can read as steering.
Civil penalties · no cap
For HR Directors & Benefits Managers
The Medicare gap your group benefits broker doesn't cover — and the MSP and ADEA exposure that comes with it.
When an employee turns 65, your group plan keeps going — but Medicare paperwork, Part B deadlines, and coordination of benefits land on HR's desk. A complimentary, compliance-aware education session for your T65 employees. No plan recommendations made on company premises.
CMS-licensed · NPN 21133205
MSP & ADEA-aware format
Written agenda provided
Zoom or in-person (GA)
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HR was fielding Medicare questions every week from our pre-retirees, and we had no good answer. This filled the gap.
Illustrative · placeholder testimonial
The Quiet Liability
Five things sitting on HR's desk that no one is paid to solve.
Your benefits broker built the group plan. Your payroll team runs the deductions. But the moment an employee approaches 65, a different set of rules applies — and the exposure tends to land on whoever is closest. That's usually HR.
02
Age Discrimination in Employment Act
If a 65+ worker appears to be nudged off coverage, ADEA exposure follows — even when the intent was helpful.
Federal claim · fee-shifting
03
HR isn't licensed to answer
Part A vs. Part B, IRMAA, COB, creditable coverage — these are licensed-broker questions, not HR questions.
Knowledge gap · weekly time cost
04
Group brokers don't handle individual Medicare
The group renewal cycle is its own job. Individual T65 enrollment falls outside the contract — and so falls on HR.
Coverage gap · industry standard
05
The Part B penalty is permanent
A missed enrollment window means a 10% lifetime premium penalty for every 12 months of delay. There is no make-good.
Penalty · lifetime, +10%/yr
How the Session Works
A written agenda, an educational tone, and a clear line between "general" and "individual."
The session itself is 45 minutes, on Zoom or in your conference room. It's general Medicare education — Parts A through D, deadlines, common pitfalls — and nothing else. Individual plan discussions are scheduled separately, off company premises, on the employee's own time.
Session Agenda
45 min · Q&A-
0:00
Welcome & what this is (and isn't) Why HR brought us in. What we will not discuss in the group setting.
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0:05
Parts A, B, C, D — without the alphabet soup What's automatic, what isn't, and what costs money.
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0:15
The enrollment windows that matter IEP, SEP, GEP — and the 10%/year permanent penalty for missing them.
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0:25
Coordination with your group plan Working past 65, HSA rules, when group is primary, when Medicare is.
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0:35
Drug coverage from a pharmacy-owner's lens Formularies, donut hole, generic vs. brand strategy, COB at the counter.
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0:40
Q&A — general questions only Individual scenarios are handled off-premises by appointment.
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Agenda delivered to HR in advance
You see exactly what we'll cover — and what we won't — before the session ever happens. You can redline or veto any slide.
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No carrier names, no plan comparisons
The group session is education only. Plan-specific conversations happen one-on-one, off company premises, on the employee's time.
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No cost to the employer — and no obligation for employees
Employees who don't want a follow-up never speak with us again. The session itself is the deliverable.
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Carrier-neutral
Victor is appointed with multiple Medicare carriers. There is no financial incentive to push one plan over another, and that is explicit in the materials.
About Victor
Not a typical Medicare agent. By design.
Most Medicare agents come from insurance. Victor came from pharmacy and the military. That matters more than it might sound.
Former owner of two independent pharmacies in Georgia
Coordination of benefits at the prescription counter, formulary shifts, donut-hole math, brand-vs-generic strategy — Victor has lived it from the dispensing side, not the sales side.
Former U.S. military officer
Structure, agenda, on time, written follow-up. The session runs like a briefing because that's how Victor runs them.
A Medicare beneficiary himself
Victor went through the same Part B paperwork, the same coordination questions, and the same enrollment window his audience is staring at. He talks about it from inside, not above.
Carrier-neutral — appointed with multiple carriers
No single-carrier loyalty, no captive contract, no financial reason to recommend Plan X over Plan Y. The recommendation that wins is the one that fits.
CMS Licensed · NPN 21133205
Compliance Posture
A format designed so HR can sign off — and so legal doesn't have to.
The structure of this session was built around the specific rules HR worries about. Each line below maps to a known exposure and how the format addresses it.
- MSP-aware. The session never suggests an employee leave the group plan. Coordination of benefits is taught, not advised.
- ADEA-aware. The invitation language is neutral. Nothing in the materials implies the employer would prefer the employee transition off coverage.
- Education-only on premises. No plan names, no carrier logos, no enrollment forms in the room.
- Individual conversations are off-premises. By the employee's choice, on their own time, away from the workplace.
- CMS marketing guidelines. All individual conversations follow CMS rules for Medicare marketing — including the required scope-of-appointment.
- Written record. A copy of the deck and agenda is left with HR after the session for your file.
Next Step
Start with a 15-minute employer briefing.
We'll walk through your employee headcount, what your group plan covers, and the format that fits your team — Zoom, in-person, or a hybrid. No sales pitch. If there's no fit, we'll tell you.
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15 minutes, on your calendar
Send a Zoom link or your preferred video tool. We'll match it.
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You receive the agenda first
Before any employee sees a single slide, HR signs off on every line.
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Cancel anytime, no obligation
If your group broker would rather handle it, or it isn't a fit, we close the file. No follow-up emails.
Request a 15-minute briefing
We respond within one business day. All inquiries are handled by Victor directly.