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Supporting Employees Working Past 65

Today’s workforce is diverse culturally, financially, and generationally. As more employees continue working beyond age 65, employers need clear guidance to support them without confusion or compliance risk.

We help employers and employees understand how Medicare coordinates with group benefits, HSAs, income considerations, and long‑term planning needs.

Understanding IRMAA (Income‑Related Monthly Adjustment Amount)   

IRMAA increases Medicare Part B and Part D premiums for individuals and couples with higher income. Most people don’t learn about IRMAA until they receive a notice—by then, planning opportunities may be limited.

We provide clear guidance on: 

• How IRMAA is calculated • How income from two years prior determines premiums 

• How retirement or reduced income can lower IRMAA • How to file an IRMAA appeal 

• How IRMAA fits into long‑term retirement and Medicare planning

IRMAA awareness and planning are essential for employees transitioning from employer coverage.

Medicare Supplement (Medigap)

Predictable costs. Nationwide access. Long‑term stability.

We help you understand:

• How Medigap works with Original Medicare

• Differences between Plan G, N, and other options

• Why premiums vary by age, state, and carrier

• When you have guaranteed issue rights

• How to evaluate long‑term rate stability

Ideal for individuals who want freedom to see any doctor who accepts Medicare.

Medicare Advantage (MA)

All‑in‑one coverage with local provider networks.

We help you understand:

• HMO vs. PPO vs. regional plans

• How networks and referrals affect care

• How out‑of‑pocket maximums work

• How drug coverage is included

• How to evaluate annual plan changes.

Ideal for individuals who want managed care and lower premiums.

Coordinating Medicare With Employer Coverage

We support employers with diverse, multigenerational teams by explaining how Medicare interacts with group health plans.

For Employers:

• How Medicare coordinates with group benefits

• How to support Medicare‑eligible employees without discrimination

• How Medicare can reduce group plan costs

• How to communicate Medicare options to a diverse workforce

• How to reduce HR confusion and compliance risk

For Employees:

• Whether to stay on employer coverage or enroll in Medicare

• How Medicare works with HSA‑eligible plans

• How income affects IRMAA

• How to transition smoothly from group benefits to Medicare

• How to build a long‑term Medicare plan while still working

A Medicare Plan That Supports You for Years to Come

Your health, income, prescriptions, and lifestyle will change over time. Your Medicare plan should support you through every stage.

Our long‑term planning includes:

• Reviewing health and lifestyle needs

• Evaluating income for IRMAA impact

• Comparing Medigap vs. Medicare Advantage

• Reviewing prescriptions annually

• Preparing for life events (retirement, moving, income changes)

• Ensuring your plan aligns with retirement goals

• Year‑round support and annual reviews

We help you build a Medicare strategy that is cohesive, stable, and financially sound.

Your Medicare Partner for the Long Run

What you can expect:

• Clear, unbiased education

• Personalized plan comparisons

• IRMAA guidance and appeal support

• Annual Medicare reviews

• Year‑round access for questions

• Support during life changes

We walk with you through every stage of your Medicare journey.

Get Medicare Guidance You Can Trust

Whether you are an individual, a family member, or an employer supporting a diverse workforce, Swindell Agency provides the clarity, compassion, and expertise you need to make confident Medicare decisions