01Employer size
Medicare for Small Employers
Understand why the under-20 rules can change who pays first, what employees need to consider at 65 and which facts HR should identify before offering general guidance.
Free, on-demand education
Medicare for HR Professionals
Practical guidance for the Medicare questions that eventually land on an HR or benefits desk—without asking HR to become the Medicare help desk.
Presented by Nick Woog, MBA, RSSA® · Licensed Insurance Agent & Registered Social Security Analyst
Why this series exists
“Go to Medicare.gov” is a reasonable answer. It just cannot be the entire process.
Nick has enrolled thousands of employees in group and supplemental benefits and has worked with employers to help put benefits together. He also knows what happens when an employee walks into HR and announces a retirement: Medicare and Social Security questions appear almost immediately.
Medicare is outside the normal role of most HR departments. This series helps HR recognize when Medicare has entered the situation, ask a few better questions, document the employment and coverage facts it controls, and know when the decision has become individual.
Recognize. Ask. Document. Refer.
The best place to begin
00Flagship: Medicare for HR Professionals
A broad introduction to Medicare Parts A, B, C and D; turning 65 while working; delaying Medicare; retirement; COBRA; HSAs; IRMAA; Social Security and the moments when HR should make a handoff.
This presentation establishes the framework used throughout the series. Start here, then choose the deeper module that matches the employer or employee situation.
Open the NW Insurances channelChoose the situation
Use the module that matches the question.
The programs stand on their own, so HR professionals can watch the entire series or return to one topic when a real employee situation develops.
02Active coverage
Employers With 20+ Employees
See how active group coverage generally coordinates with Medicare, when employees may be able to delay Part B and what changes when employment or coverage ends.
03Reimbursement
Medicare, ICHRA and QSEHRA
Separate three different questions: who pays first, how the employer reimburses eligible expenses and which coverage arrangement fits the individual.
04Special situations
When Something Doesn’t Fit
Recognize the complications created by a younger spouse, COBRA, returning to work, HSA timing and other situations that do not follow a simple retirement timeline.
05Planning
What to Do Before You Enroll
Work backward from the transition date, gather the right information and examine Medicare and Social Security as related household decisions rather than isolated forms.
Built to be used
Watch it now. Bookmark it for later. Share it with an employee.
No registration is required to view the public videos. HR professionals, office managers, benefits administrators and business owners can use the series when an employee is approaching 65, planning retirement, losing active coverage or facing a situation that does not fit the usual timeline.
The presentations provide general education. Individual enrollment timing, coverage coordination, plan selection and Social Security decisions still depend on the person’s circumstances.
When the question becomes individual
Make the handoff.
Nick offers individual Medicare consultations without a consultation fee and can also help employers bring practical Medicare education to their workforce.