Our role is to provide clarity, compliance, and cost-efficiency - not to replace your existing broker or HR team, but to enhance it with independent, expert insight. We are not a carrier, TPA, or agency, and our fee is never tied to how many employees choose Medicare.

For employees, we offer personalized Medicare guidance to ensure timely enrollment, avoid penalties, and maximize the value of their healthcare coverage. 

• Compliance Protection: We help you determine whether your plan meets the new 73% Creditable Coverage threshold (effective 2027, CMS Final Rule 4208-F3) and document your decision-making to protect against Medicare Secondary Payer and age-discrimination exposure.

• Neutral Employee Education: Voluntary, factual Medicare education for eligible employees and their families - never incentivized, never mandatory, never steering anyone off your plan.

• Personalized Employee Guidance: Knowing when and how to enroll in Medicare - avoiding missed deadlines, late enrollment penalties, and non-creditable drug plan pitfalls.

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.