Solutions for Employers
Provide Medicare benefits to Medicare-Eligible Employees and Retirees as a strategic alternative to traditional employer healthcare costs.
A Smarter Medicare Strategy for Business Owners, Employer Groups & Medicare-Eligible Employees
Employers are looking for ways to reduce healthcare costs while still offering meaningful benefits to Medicare-eligible employees, retirees, spouses, and dependents.
We help employers evaluate whether a Group Medicare Medical Savings Account (MSA) may fit their benefits strategy.
Why Employers Are Looking at a Group Medicare MSA
Employer group Medicare Advantage MSA options are designed for Medicare-eligible employees and retirees. These plans are built to provide affordable, flexible coverage with $0 member monthly premium, no provider network, no referrals, and no prior authorizations.
Who This May Be For
This strategy may be a good fit for:
- Idaho business owners age 65+
- Sole proprietors and self-employed professionals
- Small employer groups
- Medium and large employer groups
- Associations
- Retiree benefit programs
- Employers with Medicare-eligible employees, spouses, or dependents
What Is a Medicare MSA?
A Medicare Medical Savings Account (MSA) combines a high-deductible Medicare Advantage plan with a medical savings account. The plan deposits funds into the member’s account, and the member may use those funds for qualified healthcare expenses.
Unused funds may remain in the account and can potentially roll over year after year.
Potential Advantages
- $0 member monthly premium
- Nationwide provider access
- No provider network
- No referrals
- No prior authorizations
- Medicare-participating providers are generally available
- Member-controlled healthcare spending
- Potential employer cost-containment strategy
- Options for groups and self-employed business owners
Employer Benefits Strategy
For employers, the opportunity is simple:
Help Medicare-eligible employees understand their options while exploring ways to reduce long-term healthcare cost pressure.
OnPoint Management can help your business review:
- Current group health plan costs
- Medicare-eligible employee population
- Retiree benefit obligations
- Group MSA eligibility
- Employee education needs
- Enrollment support
- Communication strategy
Common Employer Questions
Please reach us at keith@onpointmgmtllc.com if you cannot find an answer to your question.
In some cases, yes. A Group MSA strategy may provide a more cost-effective alternative to traditional retiree medical coverage or other Medicare group options.
There are options for self-employed Medicare beneficiaries and sole proprietors when eligibility requirements are met.
No. MSA plans are designed differently than many Medicare Advantage plans and generally operate without a traditional provider network.
No. Members must be enrolled in Medicare Parts A and B and meet eligibility requirements.
Schedule a No-Obligation Employer Medicare Review
Find out whether a Group MSA strategy may fit your business.
OnPoint Management LLC
Keith Paduch | Licensed Broker | NPN: 5695086
Phone/Text: (208) 573-1250
Email: keith@onpointmgmtllc.com
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