A Connected ICHRA + Medicare Experience
ICHRA meets Medicare.
Without the confusion.
Benefitbay simplifies individualized health benefits. Allsup can extend that experience into Medicare—giving eligible employees personalized guidance from education through enrollment.
Partnership concept — illustrative experience shown for demonstration
Your Benefits
SMCurrent Coverage
Individual Health Plan
Employer Contribution
$650 / month
Medicare transition coming up
You’re approaching Medicare eligibility.
We’ve made it easier to understand what happens next.
Medicare guidance provided with Allsup
One connected journey
From individual coverage into Medicare.
Personalized support
One-on-one Medicare guidance.
Less work for HR
Specialized questions go to Medicare experts.
Built for employee choice
Help employees understand coverage options.
How It Could Work
One transition. One guided experience.
As an employee approaches Medicare eligibility, Benefitbay can connect them with specialized Medicare support at the right time—without leaving them to navigate the transition alone.
- 01
Benefitbay identifies the transition
An employee is approaching Medicare eligibility based on their benefits profile.
SMTransition approachingSarah Miller
Medicare eligibility: Jan 1, 2027
- 02
Guidance begins early
The employee receives a clear introduction to Medicare support before important enrollment decisions need to be made.
Your Medicare transition is coming up
We can help you understand what happens next.
- 03
Allsup provides personal Medicare support
A licensed Medicare specialist helps the employee understand Medicare, timing, coverage choices and how the transition affects their current benefits.
Parts A & BMedicare AdvantageMedigapPart DEnrollment timing - 04
The employee chooses coverage
The employee can review available Medicare coverage based on their individual situation, including providers, prescriptions and preferences.
Medicare Advantage
Bundled coverage option
Original Medicare + Medigap
Flexible provider access
- 05
The transition is completed
The employee receives enrollment assistance while Benefitbay maintains a cleaner benefits experience.
Medicare transition completed
Coverage effective January 1, 2027
The Experience
What if Medicare support lived inside the Benefitbay journey?
Instead of sending Medicare-eligible employees off to figure out their next step, Benefitbay could provide a clear path directly from the benefits experience.
Medicare Transitions
3
Upcoming transitions
2
Employees connected
1
Enrollment completed
Conceptual workflow shown for demonstration purposes.
Why It Matters
Extend the Benefitbay experience into Medicare.
Medicare creates a specialized benefits transition. A partnership with Allsup could give Benefitbay a dedicated path for these employees without requiring Benefitbay teams or employers to become Medicare experts.
For Benefitbay
Extend the platform
Create a Medicare transition experience without building a full Medicare advisory and enrollment operation internally.
- Extend the employee benefits journey
- Add specialized Medicare expertise
- Create another reason for employers and brokers to stay within the Benefitbay ecosystem
For Brokers & Employers
Reduce Medicare complexity
Give HR and benefits teams a defined resource when employees begin asking Medicare questions.
- Clear transition pathway
- Less HR involvement in individual Medicare questions
- Specialized employee support
For Employees
Get personal guidance
Give employees a real person who can help them understand an unfamiliar and often confusing transition.
- Medicare education
- Coverage guidance
- Enrollment support
- Individualized assistance
From a handoff to a connected experience.
Without an integrated path
Employee approaches Medicare
Employee contacts HR
HR/broker explains Medicare resources
Employee searches independently
Employee contacts outside resources
Employer loses visibility into the transition
With Benefitbay + Allsup
Benefitbay identifies upcoming Medicare eligibility
Employee receives proactive guidance
Employee connects with Allsup
Specialist helps employee understand options
Enrollment support is provided
Transition completed
“The goal isn’t to add another vendor. It’s to remove another point of friction.”
Personal Support
Medicare is different. Employees shouldn't have to figure it out alone.
Medicare enrollment timing can depend on individual circumstances and existing coverage. A specialist can help an employee understand their personal enrollment window and avoid gaps or penalties.
Additional Expertise
Medicare eligibility doesn’t always begin at 65.
Some employees become Medicare eligible earlier because of disability. Allsup’s experience supporting people through disability-related transitions creates an opportunity to provide specialized guidance for these employees as well.
One partner capable of supporting more complex Medicare journeys.
The right support at the right time.
Illustrative Partnership Workflow
12 Months Out
Transition identified
Employee enters Medicare transition pathway.
6 Months Out
Education begins
Employee receives introductory Medicare resources.
90 Days Out
Personal consultation
Employee can meet with a Medicare specialist.
Enrollment Window
Coverage decision
Employee receives plan guidance and enrollment assistance.
Effective Date
Transition complete
Employee begins Medicare coverage.
The Opportunity
Benefitbay has already simplified individualized health benefits.
Together, we can simplify what comes next.
A Benefitbay + Allsup partnership could create a defined Medicare transition pathway for eligible employees while extending the guided experience employers and brokers already expect from Benefitbay.
Extend the member lifecycle
Support employees as their coverage needs change.
Strengthen broker relationships
Give brokers another specialized capability through Benefitbay.
Reduce employer friction
Provide a defined destination for Medicare questions.
Create a differentiated experience
Connect ICHRA and Medicare through one coordinated journey.
Let’s make Medicare one less thing employers have to manage.
Explore how Benefitbay and Allsup could create a more connected transition for Medicare-eligible employees.
Partnership concept prepared for Benefitbay