Federal MSP rules explicitly prohibit employers from offering financial or other benefits as incentives for Medicare-eligible employees to waive or terminate group health coverage. Violations carry a penalty of $11,524+ per instance, indexed annually. This is why most employers avoid the Medicare conversation entirely.

​Structured, documented, legally required Medicare education. When employees have complete, accurate information about their options, they make informed decisions. Educated employees consistently choose Medicare at high rates — not because they were pushed, but because the information made the choice clear. And every session is documented.