Medicare through HSA Insurance

At HSA Insurance, we are providing guidance and solutions for individuals, small groups, and those exploring Medicare under the Individual Coverage Health Reimbursement Arrangement (ICHRA). Here's everything you need to know about our Medicare practices and support:

Medicare is federal health insurance primarily for individuals aged 65 and older, and for certain younger people with disabilities. It comprises several parts:

• Medicare Part A: Covers inpatient hospital care, skilled nursing facility care, hospice care, inpatient rehabilitation services, and some home health care services.
• Medicare Part B: Covers physician services, outpatient hospital services, certain home health services, durable medical equipment, and other medical and health services not covered by Part A.
• Medicare Part C (Medicare Advantage): Offers an alternative way to receive Medicare benefits through private insurance plans approved by Medicare. These plans often include Part A, Part B, and sometimes Part D coverage.
• Medicare Part D: Helps cover prescription drug costs.

Small Group Medicare Coverage:

Our small group Medicare coverage is designed for groups of 19 or fewer employees. We offer plans for Tufts Health Plan, Harvard Pilgrim, HNE, and Fallon. Our dedicated HSA Sales Team is ready to assist you in finding the best solutions. Contact us at sales@hsainsurance.com or call 781-228-2222 to explore our small group Medicare products.

You can also find our HSA small group Medicare products on our HSA Products Page, click here.

Individual Medicare Coverage:

For Massachusetts individuals seeking Medicare enrollment, our Medicare specialists are here to help. Whether it's Medicare Advantage, Medicare Supplemental, Part D plans, or hospital indemnity insurance, we provide personalized guidance and support. Reach out to our individual Medicare team at massmedicaresales@nfp.com or call (781) 954-5639 to get started.

Medicare under ICHRA:

Navigating Medicare under the Individual Coverage Health Reimbursement Arrangement (ICHRA) can be complex, but we're here to simplify the process. Employees eligible for Medicare can be reimbursed through ICHRA, provided they have Part A and B, or Part C coverage. We recommend designing ICHRA to accommodate Medicare coverage to comply with Medicare Secondary Payer (MSP) and ICHRA rules. When transitioning from traditional group plan to an ICHRA, employees will need to ensure they

have both Medicare Part A and Part B. Employees that are Medicare eligible will likely have Part A.

Losing their group plan will qualify them to register for Part B as a Special Enrollment Period.

For assistance with Medicare for ICHRA groups or individuals, contact our ICHRA support team at ichra@hsainsurance.com.

Support:

We always inform our brokered clients to check with their assigned broker first for their Medicare needs. If it is stated their broker does not provide those services, we will work with the client to support them with their Medicare needs.

At HSA Insurance, we're committed to simplifying the Medicare journey and ensuring our clients receive the coverage they need.