At Horvath Insurance Consulting, we specialize in guiding employers and employees evaluating the financial impact of healthcare legislations.
Our role is to provide clarity, compliance, and cost-efficiency, not replace your existing team, but enhance it with expert insight.
For employees, we offer personalized Medicare guidance to ensure timely enrollment, avoid penalties, and maximize the value of their healthcare coverage.
Cost Management: Transitioning Medicare-eligible employees, reduce group morbidity risks and lower premium costs.
Regulatory Compliance: Ensuring compliance with federal Creditable Coverage and Medicare Secondary Payer (MSP) rules updated by the Inflation Reduction Act of 2022.
Personalized Employee Guidance: Knowing when and how to enroll in Medicare - avoiding missed deadlines, loss of coverage, late enrollment penalties and non-Creditable drug plans.
Partnering with Horvath Insurance Consulting enables your business to offer robust employee benefits while maintaining financial prudence and regulatory adherence, ultimately enhancing employee satisfaction and organizational success.
Our Services
We help employers:
• Transition Medicare-eligible employees and spouses to Medicare.
• Lower group plan premiums and average age of the covered population.
• Reduce compliance risk tied to Creditable Coverage and Medicare rules.
• Analyze cost-saving strategies and support over-65 transitions.
We assist individuals who are:
• Turning 65 or qualifying for Medicare through other means.
• Already on Medicare but unsure how new laws impact their benefits.
• Comparing employer insurance with Medicare options.
• Unsure if their drug plan is Creditable.
• Looking to avoid penalties and protect their retirement income.
• Navigating spousal coverage, retiree plans, or COBRA.
Schedule your appointment
Schedule your consultation today to leverage our expert insights and drive your business forward. Our dedicated team is ready to provide tailored solutions to meet your organization's unique needs.
Contact Us
Contact Form: Submit your name, business info, and inquiry.
Expect a reply within 1-2 business days.
Email: Send questions or documents to our consulting email. Expect a reply within 1-2 business days.
info@horvathinsuranceconsulting.com
Call: Talk to a certified consultant Monday–Friday, 9 AM–5 PM for immediate answers or to schedule.
(470) 336 3123