At Horvath Insurance Consulting, we help employees understand how Medicare works alongside their employer's health plan.

We assist individuals who are:

• Approaching Medicare eligibility (turning 65 or qualifying through other means).

• Already enrolled in Medicare but unsure how new legislation impacts their benefits.

• Comparing their employer coverage to Medicare options.

• Uncertain whether their current prescription drug plan (Part D) is Creditable under the new 2027 73% standard.

• Seeking to avoid Medicare late enrollment penalties and protect their retirement income.

• Have a spouse, domestic partner, or dependent who may be Medicare-eligible through age, disability, or a serious health condition.