Employee Consulting
Helping employees and their dependents reduce premium and deductible costs.
Medicare Transitions
Many employees approaching age 65 are faced with an important decision: remain on their employer-sponsored health plan or transition to Medicare. The right choice depends on a variety of factors, including the size of the employer, plan costs, provider access, prescription drug coverage, Health Savings Account (HSA) eligibility, retirement timeline, and long-term healthcare needs. We provide an objective analysis of every available option, helping employees understand the financial and coverage implications before making an informed decision.
Once a strategy has been selected, we guide employees through every step of the implementation process. From Medicare enrollment and coordination with employer benefits to selecting supplemental coverage or prescription drug plans, we manage the details to ensure a smooth transition and help avoid costly enrollment mistakes or coverage gaps. Our goal is to make the Medicare transition simple, seamless, and fully aligned with each employee's healthcare and retirement goals.
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Strategic Planning That Gives You The Step By Step Process To Get Clarity and Confidence In Your Medicare Health Plan ...
Most people leave their health coverage in the hands of a salesperson, a friend, or an internet search.
Your unique situation, unlike any other person or website can relate to, requires careful planning and implementation so you have the care you need when you need it.
Your strategic plan can be developed simply and quickly with the right planning and processes in place.
"The Perfect Medicare Strategy" will show you how to develop and implement the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Premium Subsidies
Recent changes to the “Family Glitch” rule may create new opportunities for employees and their families to reduce healthcare costs through the individual Marketplace. Previously, affordability was determined based only on the cost of employee-only coverage through an employer plan. Under the updated rule, affordability is now based on the cost of covering the employee and their family members together.
As a result, many families who were previously ineligible for Marketplace subsidies may now qualify for significantly reduced premiums and lower overall healthcare costs. Our Strategic Employee Cost Reduction process helps evaluate these opportunities and determine whether alternative coverage structures could create meaningful savings while maintaining quality healthcare coverage.
Learn More >>
Strategic Planning That Gives You The Step By Step Process To Get Clarity and Confidence In Your Medicare Health Plan ...
Most people leave their health coverage in the hands of a salesperson, a friend, or an internet search.
Your unique situation, unlike any other person or website can relate to, requires careful planning and implementation so you have the care you need when you need it.
Your strategic plan can be developed simply and quickly with the right planning and processes in place.
"The Perfect Medicare Strategy" will show you how to develop and implement the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Open Enrollment Advisory
Open enrollment is more than an opportunity to compare the health plan options offered by your employer—it's a chance to evaluate your family's overall healthcare strategy. We help employees analyze premiums, deductibles, provider networks, prescription coverage, and out-of-pocket costs while comparing every available option. Rather than simply renewing the same plan year after year, we ensure employees understand the financial and coverage implications of each choice before making an informed decision.
In many cases, the most cost-effective solution extends beyond the employer's health plan. We evaluate whether spouses or dependents may benefit from individual marketplace coverage, including eligibility for premium tax credits and subsidies that can significantly reduce overall healthcare costs. By looking at both employer-sponsored and individual coverage options, we develop a comprehensive strategy designed to maximize benefits, reduce expenses, and ensure each family member has the coverage that best fits their needs.
Learn More >>
Strategic Planning That Gives You The Step By Step Process To Get Clarity and Confidence In Your Medicare Health Plan ...
Most people leave their health coverage in the hands of a salesperson, a friend, or an internet search.
Your unique situation, unlike any other person or website can relate to, requires careful planning and implementation so you have the care you need when you need it.
Your strategic plan can be developed simply and quickly with the right planning and processes in place.
"The Perfect Medicare Strategy" will show you how to develop and implement the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Our Process
Our Employee Consulting sessions are relaxed, no-pressure conversations designed to answer your questions, explain your options, and simplify the cost reduction process. We’ll help you understand your next steps so you can move forward with clarity and confidence.
Strategic Planning That Gives You The Step By Step Process To Get Clarity and Confidence In Your Medicare Health Plan ...
Most people leave their health coverage in the hands of a salesperson, a friend, or an internet search.
Your unique situation, unlike any other person or website can relate to, requires careful planning and implementation so you have the care you need when you need it.
Your strategic plan can be developed simply and quickly with the right planning and processes in place.
"The Perfect Medicare Strategy" will show you how to develop and implement the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Medicare Q&A Call
Get the foundational information and answers you need to understand your options and determine the right time and place to begin. Whether you’ve been doing your own research, speaking with friends and family, or attending educational seminars, we’re here to help bring clarity to the process and guide you in the right direction.
STRATEGY SESSION
We’ll take a deep dive into your specific situation and provide clear, actionable steps to help you build your ideal Medicare strategy. This includes a full review of your healthcare options including Original Medicare, Medigap, Part D coverage, and Advantage plans. You’ll leave with a customized, easy-to-follow blueprint designed to help you confidently move forward and put your plan into action.
Schedule Your Free Coverage Consultation Today!
services
Our Services
MEDICARE
MEDICARE
Strategic Planning That Gives You The Step By Step Process To Get Clarity and Confidence In Your Medicare Health Plan ...
Most people leave their health coverage in the hands of a salesperson, a friend, or an internet search.
Your unique situation, unlike any other person or website can relate to, requires careful planning and implementation so you have the care you need when you need it.
Your strategic plan can be developed simply and quickly with the right planning and processes in place.
The Perfect Medicare Strategy" will show you how to develop and implement the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Featured Guide:
Strategic Process:
- Comprehensive Options Review
- Medicare Options Analysis
- Cost/Benefit Comparison
- Election / Enrollment
- Usage and Maintenance
HEALTH INSURANCE
HEALTH INSURANCE
Strategic Planning That Get's You The Right Coverage And Saves You Thousands...
Most people who aren't confident in their health coverage policy have a strategy problem.
A coverage strategy is the process you go through to understand, analyze, and enroll in the right plan for you and your family. Everyone has a strategy (whether you realize it or not)...and yours is either enhancing your care and savings, or costing you quality care and money.
During our free Strategy Session you will come away with the perfect coverage strategy for you and your family's situation. We don't sell insurance, we give expert advice.
Strategic Process:
- Plan Options Review
- Cost Reduction Strategies
- Network Coordination
- Selection and Enrollment
Our Clients
We recognize that each each family is different. Our practice areas are designed to meet the specific needs of various families and individuals, including but not limited to:
Individuals & Families
Strategic Health Insurance Planning That Is Tailored To Your Specific Situation.
Everyday, hundreds of people enroll in new health insurance plans, only to regret their choice when they need their coverage the most. This is the result of lack of information, process, and planning.
Guessing when you buy health insurance is not a strategy. You need to strategically plan, both medically, and financially.
Our Free Strategy Session gives you the exact process you need to take to develop and implement the right health coverage strategy.
SEparating Employees
A Step By Step Process That You Need To Take Now, To Secure Your Immediate Health Care Future.
Leaving your job?... We'll walk you through COBRA, private, and alternative coverage options so that you get the very best coverage for you and your family... AT THE LOWEST POSSIBLE PRICE!!
This is no time to leave you health care in the hands of a salesperson, or an internet search, or even your HR Specialist.
Our Free Strategy Session gives you the exact steps you need to take to develop and implement the right health coverage strategy.
Medicare Eligible Employees
Strategic Health Insurance Planning That Takes The Guesswork Out Of Your Health Coverage Decisions.
Everyday, tens of thousands of employees become eligible for Medicare, and just about all of them don't know what to do about Medicare because they have coverage with their employer.
You need plan that provides you with the coverage you need at the lowest net cost. Don't leave it up to a salesperson or an internet search. You need expert advice.
Our Free Strategy Session gives you the exact steps you need to take to determine the right coverage path for your future.
Self-Employed / Small Business Owners
As a business owner, you have many options on the table.
Whether you're a one-man shop or you have a few employees, you have unique opportunities with your health coverage.
Ready to get your health coverage figured out and out of the way? Want to talk to someone that will give you advice... not a sales pitch? We'll work with you step by step to help you understand, develop, and implement a coverage strategy that is perfect for the situation that you are in right now.
Our Free Strategy Session gives you the exact process you need to take to develop and implement the right health coverage strategy.
Benefits
Employees and their dependents may qualify for valuable healthcare savings through Premium Tax Credits and cost-sharing reductions that can lower deductibles, out-of-pocket maximums, and overall healthcare expenses. In addition, individuals gain access to multiple insurance carriers and a wide range of benefit levels, creating greater flexibility to choose coverage that best fits their healthcare needs and budget.
Tax Credits
Automatic Premium Tax Credits (APTCs) are federal subsidies that directly pay insurers to lower monthly health insurance premiums for eligible individuals. They are advanceable, with final amounts reconciled on tax returns based on income.
Cost Sharing Reductions
Cost-sharing reductions (CSRs) are Affordable Care Act (ACA) subsidies that lower the amount you pay out-of-pocket for health services—deductibles, copayments, coinsurance, and annual out-of-pocket maximums. They are often called "extra savings".
Multiple Plan Options
Eligible individuals have access to a wide range of health insurance options from multiple insurance carriers, along with various benefit levels and plan designs from each provider. This flexibility allows for a more personalized approach to coverage, helping individuals select a plan that aligns with their healthcare needs, provider preferences, and financial goals.
Medicare Q&A Call
Get the foundational information and answers you need to understand your options and determine the right time and place to begin. Whether you’ve been doing your own research, speaking with friends and family, or attending educational seminars, we’re here to help bring clarity to the process and guide you in the right direction.
STRATEGY SESSION
We’ll take a deep dive into your specific situation and provide clear, actionable steps to help you build your ideal Medicare strategy. This includes a full review of your healthcare options including Original Medicare, Medigap, Part D coverage, and Advantage plans. You’ll leave with a customized, easy-to-follow blueprint designed to help you confidently move forward and put your plan into action.
Schedule A Call
Contact Us
Mailing Address
2401 S Bryant, Suite 100
Edmond, OK 73013
Phone
(405) 286-0882
Email
contact@aicstrategy.com
Map
FREE RESOURCES
- Inpatient care in a hospitall: Medicare Part A (Hospital Insurance) covers inpatient hospital care if you meet both of these conditions:
- Skilled nursing facility care: Medicare Part A (Hospital Insurance) covers skilled nursing facility care for a limited time (on a short-term basis) if you meet all of these conditions
- Nursing home care: (inpatient care in a skilled nursing facility that’s not custodial or long-term care): Medicare doesn't cover custodial care, if it's the only care you need. Most nursing home care is custodial care, which helps you with activities of daily living (like bathing, dressing, using the bathroom, and eating) or personal needs that could be done safely and reasonably without professional skills or training.
- Hospice care: You qualify for hospice care if you have Medicare Part A (Hospital Insurance) and meet all of these conditions: 1) Your hospice doctor and your regular doctor (if you have one) certify that you’re terminally ill (with a life expectancy of 6 months or less). 2) You accept comfort care (palliative care) instead of care to cure your illness. 3) You sign a statement choosing hospice care instead of other Medicare-covered treatments for your terminal illness and related conditions.
Medicare Part B (Doctors)
- Medically Necessary Services: Services or supplies that are needed to diagnose or treat your medical condition and that meet accepted standards of medical practice.
- Preventive Services: Health care to prevent illness (like the flu) or detect it at an early stage, when treatment is most likely to work best.
- Clinical research
- Ambulance services
- Durable medical equipment (DME)
- Mental health
- Inpatient
- Outpatient
- Partial hospitalization
- Intensive outpatient program services (starting January 1, 2024)
- Limited outpatient prescription drugs
FREE REPORT
2024 MEDICARE COSTS
This fact sheet provides the premiums and deductibles for Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). It also includes information about the income-related monthly adjustment amounts for Medicare Part D (prescription drug coverage) and for Part B.
FREE REPORT
CHOOSING DRUG COVERAGE
Once you become eligible for Medicare, even if you don’t use a lot of prescription drugs, you may want to consider getting Medicare drug coverage to help lower your drug costs and avoid a late enrollment penalty. You can join or switch drug plans between October 15–December 7 each year, with your coverage beginning January 1 of the following year.
FREE REPORT
CHOOSING A MEDIGAP POLICY
Original Medicare pays for many, but not all, health
care services and supplies. Medicare Supplement
Insurance (Medigap) is extra insurance you can
buy from a private health insurance company
to help pay your share of out-of-pocket costs in
Original Medicare, like copayments, coinsurance,
and deductibles.
GUIDES
FEATURED GUIDE
PERFECT MEDICARE STRATEGY
Develop your Medicare strategy with the exact steps, processes, plans, and efficiency that we use with our private clients.
CONSULTING
CONSULTING AND ADVISORY
CONSLTING CALL
Get professional advice to help you create and implement your perfect Medicare Strategy… in a simple phone call!
FREE STRATEGY SESSION
Let us help you develop your Medicare strategy with the exact steps, processes, plans, and efficiency that we use with our private clients.
Next Step:
Schedule Your Free Coverage Strategy Session...
Let's cut to the chase and get your Coverage Strategy developed now... let's work together and get it done in less than an hour! All you need is a guide... we're here to guide you for free!
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