At Horvath Insurance Consulting, we help employers navigate Medicare Secondary Payer and Creditable Coverage compliance with confidence.

🏢 For Employers

We partner with employers and their existing benefits teams-not to replace your broker or HR team, but to add independent, compliance-focused expertise. Our fee is flat and never tied to how many employees choose Medicare, so our only incentive is helping you make an informed, well-documented decision.

This strategy benefits both employers and employees in several key ways:

  • Creditable Coverage assessment: whether your drug plan(s) meet the new 73% threshold mandatory in 2027 (CMS Final Rule 4208-F3), and what it costs to close any gap.

  • Neutral employee education: voluntary, factual sessions on enrollment timing, penalty risk, and IRMAA - open to 65+ employees, employees with Medicare-eligible spouses, and employees with disabled dependents.

  • MSP & ADEA safeguards: understanding which plan pays first (by employer size) and the legal boundaries employers must not cross.

  • ICHRA guidance: understanding affordability requirements and Medicare interaction if you are evaluating an Individual Coverage HRA.

  • Independent, licensed referrals: employees who want enrollment help are connected to independent brokers not compensated on your plan's outcomes.

We also provide:

  • Annual compliance support: we help you meet your October 15 employee notice deadline and CMS online disclosure requirements, and build a documented record of your education and decision-making.

  • General plan-cost modeling: how your costs shift at different participation levels, presented as standard benefits-consulting analysis.

  • Communication templates for your HR team to deliver neutral, compliant Medicare education to eligible employees.

  • Ongoing regulatory updates: we monitor changes to Creditable Coverage, MSP, and ICHRA rules so your plan stays current year to year.