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Comparing Medicare To Your Employer Plan:
What Should I Do When I’m Medicare Eligible?

We’re here to help you get started with free services offered by your employer.

We get this question a lot during health benefits enrollment season. In our 42+ years of experience with benefits programs, we’ve answered many questions about Medicare. You might be surprised to find that Medicare offers extensive coverage at an affordable rate when compared to other health insurance. You have options for how to spend your hard-earned money beyond your employer’s health plan.

What our customers are saying

Patient. Very clear. Made sure plan included all our Dr's and medications. Pleasant to work with. Said I could call back anytime to answer questions or assist with moving to a Medicare plan.

Josephine B.
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Impressed by their professionalism, expertise, and the clarity of guidance they offered throughout the Medicare enrollment. The Allsup team was knowledgeable, patient, and made what could have been a confusing process much easier to navigate. Their assistance gave me confidence that I was making the right decisions for my healthcare coverage during this transition.

Elizabeth N.
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She reviewed my current employer plan and found a Medicare Advantage plan that was actually better than my company-sponsored plan.

Monica W.
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My Benefits Specialist was great. Explained everything fully. Made me feel like she cared about what was going on. One of the best customer experiences I’ve had in a while.

Keith T.
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I have avoided this task. The Allsup representative was pleasant, helpful, answered all questions and very informative. She made an unpleasant task easy and I feel very confident with my decision. Also, she contacted me and followed up with all questions that I had.

Heidi D.
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How Medicare Works Video Thumbnail

What Is Allsup Benefits Coordination Service?

Medicare can be confusing, but not when Allsup Benefits Coordination (ABC) is by your side. Frequently, your employer will cover the cost of this service for you, so our service is free to you. This video introduces Allsup Benefits Coordination service and how we can help you.
You become eligible for Medicare when you turn 65. Your Initial Enrollment Period (IEP) lasts for 7 months, starting 3 months before the month you turn 65 and ending 3 months after. For example, if you turn 65 in July, you are eligible to enroll from April 1 to October 31.

It's crucial to enroll during this period to avoid late enrollment penalties and gaps in coverage. If you miss your initial enrollment period, you can enroll during Medicare’s Open Enrollment Period (OEP). This runs from Jan. 1 to March 31 each year with coverage going into effect the following month of enrollment.

Watch this video to hear Allsup experts explain Medicare enrollment periods.
Part A (Hospital Insurance): Covers inpatient hospital care, skilled nursing facility care, hospice and some home health services. Most people don’t pay a premium for Part A.

Part B (Medical Insurance): Covers outpatient care, doctor’s services, preventive services and some home health care. Part B usually has a monthly premium.

Part C (Medicare Advantage): A private insurance alternative to original Medicare that typically includes additional benefits like vision, dental and prescription drug coverage.

Part D (Prescription Drug Coverage): Covers the cost of prescription drugs. Offered through private insurance companies.

Watch this video to hear Allsup experts explain the parts of Medicare.
There are two different paths to Medicare after Medicare Parts A and B. These plans help pay for the out-of-pocket expenses that Medicare doesn’t cover. Both paths are in addition to Medicare Parts A and B.

The first path is a Medigap Supplement plan, also known as Medigap, and a Part D prescription drug plan. Medigap offers plans that typically have a slightly higher premium, but after you meet the Part B deductible, you have little to no out-of-pocket cost. You then pick up a Part D plan for your prescriptions.

The other path of Medicare is a Medicare Advantage Prescription Drug plan, also known as an MAPD. These plans are most similar to an employer plan where you may have a lower premium and then pay a co-pay or co-insurance as you use the plan. These plans have premiums that begin at as little as zero dollars; they also have drug coverage built in.

Watch this video to hear Allsup experts explain the paths of Medicare.
For many people, the primary reason is much lower costs for health insurance, which you can put toward other financial needs. Compared to employer plans, Medicare premiums can be lower, with some plans available with zero additional premium. This means after you pay your Medicare premiums, you may not have any additional premium cost. You may save on prescription drug costs, depending on your health needs. Medicare also tends to have a broader provider network. Most employers offer plans by one carrier with a few options, while Medicare has many carriers, covering many doctors and dozens of different plan options available, depending on where you live.

Watch this video to hear Allsup experts explain the value of Medicare.
With Medicare, there are so many things to think about. Allsup Benefits Coordination service offers education on all things Medicare. We’ll walk you through your Medicare options based on your doctors, hospitals and medications, as well as personal healthcare needs and budget. We’ll even compare the healthcare plans offered through your employer to help you decide which option works better for your situation. Often, your employer will cover the cost of the service for you, so our service is free to you.

Watch this video to hear Allsup experts explain the value of Allsup Benefits Coordination service.

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Comparing Medicare To Your Employer’s Health Coverage

Health Plan Features

Your Allsup specialist will help you compare:

 Medicare Your Employer’s
Group Health Plan (GHP)

Co-Pays

 Yes May cost more

Deductibles

 Yes May cost more

Networks

 Yes May have limited providers

Premiums

 Yes May cost more

Custom & Special Services

 Yes Generally unavailable

40 Years experience in benefits coordination.

Over 150,000 people just like you enrolled in Medicare.

Personalized healthcare that fits your lifestyle and budget.

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Medicare is a comprehensive, trusted program designed to support you in living a healthy, secure life.

Watch This Video To Learn About Medicare Basics.
Allsup Explains The Parts of Medicare

Allsup Explains The Parts of Medicare

In this video, we will discuss the parts of Medicare. There are two parts of Medicare: Medicare Part A, which is premium free if you worked and paid into FICA taxes, and Medicare Part B, which has a standard monthly premium. You may pay more if you’re a high wage earner. Medicare has 80/20 coverage, meaning Medicare pays 80% of the cost of the claim and the beneficiary is responsible for the remaining 20%.

Allsup Explains The Paths of Medicare

Allsup Explains The Paths of Medicare

In this video, we will discuss the paths of Medicare. There are two different paths to Medicare after Medicare Parts A and B. These help pay for the 20% that Medicare doesn’t cover. The first path is a Medigap Supplement plan, also known as Medigap, and a Part D drug plan. Medigap offers plans which typically have a little higher premium, but after you meet the Part B deductible, you have little to no out-of-pocket cost. You then pick up a Part D drug plan for your prescriptions.

Allsup Explains Medicare Enrollment Periods

Allsup Explains Medicare Enrollment Periods

In this video, we will discuss Medicare enrollment periods. These enrollment periods are covered:

  • Annual enrollment period (AEP).
  • Initial enrollment period (IEP).
  • Special enrollment period (SEP).
  • General enrollment period (GEP).
Allsup Explains The Value Of Medicare

Allsup Explains The Value Of Medicare

In this video, we will speak about the value of Medicare. You might ask yourself, “Why would I enroll in Medicare if I have other coverage available to me?” Compared to employer plans, Medicare premiums can be lower, with some plans available with zero additional premium. This means after you pay your Medicare A and B premiums, you may not have any additional premium cost.

Learn The Value Of Allsup Benefits Coordination Service

Learn The Value Of Allsup Benefits Coordination Service

In this video, we will discuss the value of Allsup Benefits Coordination service. It can be an extremely valuable service for someone looking to understand more about Medicare and their personal situation.