Medicare Transition Support for Employers & HR Leaders

Whether you have 5 employees or 5,000, FTJ Senior Insurance partners with HR teams to design, educate, and implement a clear, compliant path from group health benefits to Medicare.

Reduce risk & ensure compliance

• Clear guidance on Medicare enrollment timelines, creditable coverage, and required notices.

• Coordination with your plan administrator to avoid penalties or gaps in care.

• HIPAA aware processes and secure communications.

Lower costs & improve benefits alignment

• Identify when Medicare becomes a better fit than the group plan.

• Streamline retiree or late career coverage while protecting continuity of care.

• Optimize employer contributions, HRA/HSA considerations, and COBRA transitions.

Improve employee experience

• Dedicated support for employees turning 65 or working past 65.

• Plain language education, 1:1 consultations, and hands-on enrollment help.

• Ongoing service—because questions don’t end at enrollment.

1) Strategy & Policy Setup

• Review your current benefits, retiree policies, and agein workforce realities.

• Create a Medicare transition framework: eligibility checkpoints, notice timing, and documentation standards.

• Align plan rules with Medicare to prevent coordination issues (e.g., primary/secondary payer rules for large vs. small employers).

   

2) Education & Communication

• Employee seminars (virtual or onsite at 2600 Grand, Kansas City) tailored for: 

1. Turning 65 in the next 12 months

2. Working past 65 with employer coverage

3. Retiring soon and considering Medicare Advantage vs. Medigap + Part D

• Toolkits for HR: 

1. Email templates and timeline checklists

2. Creditability and enrollment FAQs

3. Step-by-step guides for dependents and spouses

3) Individual Guidance & Enrollment Support

• Personalized plan comparisons (Original Medicare + Medigap + Part D vs. Medicare Advantage).

• Drug list and doctor network checks, cost projections, and benefit optimization.

• Full assistance with applications, effective dates, and ID card activation.

4) Transition Administration

• Coordination with payroll/benefits teams on coverage end dates, COBRA, and Part B start dates.

• Documentation for HR records; secure storage of employee approvals/declines.

• Post enrollment follow-up to verify access to providers, prescriptions, and supplemental benefits.

• Turning 65 while still working: Determine whether the employee should stay on the group plan, enroll in Medicare Part A only, or move fully to Medicare (considering company size and primary/secondary payer rules).

• Retiring midyear: Align termination date, COBRA eligibility, and Medicare effective date to avoid gaps.

• Spousal coverage transitions: Coordinate timing for spouses who may be eligible for Medicare before or after the employee.

• Prescription drug creditability: Confirm whether your plan is creditable to avoid Part D penalties; provide model language for annual notices. 

• HSAs & Medicare: Advise on stopping HSA contributions at the right time (to avoid tax issues) and maximizing existing balances for qualified expenses.

• 1:1 Medicare consults (phone/virtual/in-person)

• Plan comparisons with total out-of-pocket estimates

• Network & formulary checks (doctors, hospitals, medications) 

• Enrollment & activation support

• Ongoing service for claims, billing, and benefit questions

6–9 months out

• HR sends “About Medicare” notice + invites employee to seminar.

• FTJ Senior provides personalized consult scheduling links.

3–4 months out 

• FTJ Senior checks creditable coverage status, explains penalties/waivers, and confirms best path (stay on group vs. transition).

1–2 months out

• FTJ Senior completes applications, coordinates effective dates, and aligns with group plan termination/COBRA (if applicable).

Go Live (Month 0) 

• Employee receives ID cards; FTJ Senior verifies provider access and Rx pricing.

• HR records updated; welcome materials sent.

• Email & letter templates for employees (Turning 65, Working Past 65, Retiring)

• Seminar materials & slide decks

• Creditability notice language and distribution checklist

• Medicare enrollment timeline posters for breakrooms/intranet 

• FAQs for HR, employees, and dependents

• Small Businesses (1–99 employees): Simple seminar + consult package; oncall enrollment help.

• MidMarket (100–999): Branded communications, quarterly seminars, and dedicated agent team.

• Enterprise (1,000+): Custom workflows, reporting, executive dashboards, and onsite office hours.

FTJ Senior Insurance is your partner for seamless, compliant Medicare transitions. We’ll educate, coordinate, and enroll—so your employees feel supported and your HR team feels confident.