ICHRA AND MEDICARE SERVICES
How can you complete the Medicare side of your ICHRA experience?
ICHRA gives employees more control over coverage. Medicare eligibility introduces a different set of questions. Exact Benefits gives participants a connected path to education, individual guidance, enrollment support, and ongoing service.
WHAT IS ICHRA HEALTH INSURANCE?
What is ICHRA health insurance, and why does Medicare need a different path?
An Individual Coverage Health Reimbursement Arrangement allows an employer to reimburse eligible employees for qualifying individual coverage instead of offering one traditional group health plan.
Most ICHRA experiences are built around individual-market education, quoting, enrollment, and reimbursement. Medicare-eligible participants follow different rules and often need more personal support. Without a defined Medicare workflow, they can be sent to an unrelated call center with little continuity or visibility. Review the IRS overview of Health Reimbursement Arrangements.
ICHRA SUPPORT BY ROLE
Which ICHRA support path fits your role?
Administrators and platforms
Add a Medicare pathway that works alongside your existing administration, enrollment, and reimbursement experience. Explore ICHRA support for administrators and platforms.
Brokers and PEOs
Protect the client relationship while giving Medicare-eligible employees one reliable national resource. Explore ICHRA Medicare support for brokers and PEOs.
Employers and HR
Give employees a clear referral path without asking HR to become the Medicare expert. Explore ICHRA support for employers and employees.
Employees
Get individual guidance shaped around coverage timing, providers, prescriptions, budget, and family needs. See how ICHRA Medicare support works for employers and employees.
ICHRA MEDICARE JOURNEY
What does a connected ICHRA Medicare journey look like?
ICHRA education before Medicare eligibility
Help participants understand how an ICHRA works and when Medicare may become part of their coverage decision. Read what employees working past 65 need to know about Medicare.
Individual Medicare consultation
Review coverage timing, doctors, prescriptions, budget, and household needs with a licensed specialist.
Medicare enrollment support
Coordinate the participant's selected Medicare path and explain the information needed for ICHRA reimbursement. See how to apply for Medicare Part A and B online.
Ongoing participant service
Give employees a named resource for questions after enrollment while keeping partners informed at the appropriate level.
NATIONWIDE MEDICARE SUPPORT
How do you support a distributed ICHRA population without regional referral gaps?
A distributed workforce should not require a patchwork of regional Medicare referrals. Exact provides one support model for Medicare-eligible participants across the country, subject to approved licensing and carrier language.
Dedicated Medicare scheduling
Phone and video consultations
Named partner contacts
Co-branded participant education
Approved status reporting
FAQs
What should you know about ICHRA and Medicare?
Can an ICHRA reimburse Medicare premiums?
Certain Medicare premiums may be eligible when the arrangement is properly designed and the participant meets applicable requirements. The plan administrator and current guidance control the final determination. Review the official CMS guidance on ICHRA eligibility and Medicare.
Does Exact administer the ICHRA?
No. Exact supplies the specialized Medicare education, consultation, and enrollment-support layer alongside the administrator or platform.
Does a participant have to use Exact?
No. Exact provides a voluntary education and support path while the participant remains in control of where they receive licensed guidance.
What can partners see after a referral?
Partners receive only the status information and workflow visibility approved by product, privacy, compliance, and contractual requirements.
Partnerships
Our Medicare Partnerships
CHOICE/ICHRA Administrators
PEOs
Employers & HR
Health Brokers
Insurtech Platforms
HRIS
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