Does BennieGuide move Medicare-eligible employees off the employer plan?

No. Under Medicare Secondary Payer rules, active Medicare-eligible employees are never steered off the group plan. BennieGuide provides Medicare awareness and coordination — age-in tracking, Part D creditable-coverage support, and HSA/Part A coordination — and credits employer savings only where federal law makes Medicare the primary payer.

Which coverage programs does BennieGuide screen for?

Secondary Medicaid, Medicaid/CHIP, Marketplace (family glitch), spousal waivers, TRICARE/VA, pregnancy programs, Tribal/IHS, and Medicare coordination.

Guide every employee to the coverage that fits them best.

Q: How is BennieGuide priced?

Pricing is tailored to group size, census complexity, and scope of advocacy services. There are no success fees or percentage-of-savings. Contact BennieGuide for a proposal.

BennieGuide finds the Medicaid, Marketplace, spousal, and military coverage your people already qualify for — plus the right Medicare coordination for those near or over 65 — and walks them all the way through. Lower plan cost, without cutting anyone's coverage.

Request a savings estimate → See how it works

Built for employers with 500+ employees — and the brokers who serve them.

The pressure you're under

Health costs keep climbing — and you're paying to cover people who qualify elsewhere.

$18,500

total health benefit cost per employee in 2026

+6.7%

cost increase this year — the steepest in 15 years

~50%

of all claims come from just the top 5% of members

Sources: Mercer 2025 National Survey of Employer-Sponsored Health Plans (2026 projection); RAND analysis of U.S. health-spending distribution.

How it works

A guided path — from enrollment to confirmed coverage.

We run the whole journey so your HR team doesn't have to. Every employee gets the same review, and every employee decides for themselves.

Screen

A short, neutral questionnaire rides into your open enrollment. Answers flow in as a census file.

Identify

Our engine flags employees and dependents who may qualify for better-fit, lower-cost coverage.

Enroll

Our licensed agents reach out, lay out the options, and — if the family chooses — walk them all the way through enrollment.

Report

You get confirmed enrollments and documented savings, ready for your renewal conversation.

Where we find coverage

Secondary Medicaid

NICU, preemie & special-needs children — the group plan stays primary, Medicaid wraps secondary.

Medicaid / CHIP

Children who qualify by household income move to no-cost public coverage.

Marketplace (family)

Dependents shift to a subsidized exchange plan via the family-glitch fix.

Spousal coverage

A spouse with their own employer offer moves to that plan.

TRICARE / VA

Military-connected families use the benefits they've already earned.

Medicare

Age-in tracking, Part D creditable-coverage and HSA/Part A coordination for employees near or over 65 — with employer savings only where Medicare is the primary payer. No active employee is ever steered off the plan.

…and more

Pregnancy programs, tribal (IHS), and state programs for special circumstances — all screened the same way.

The return

Guaranteed ROI
in Year 1.

A well-run screen typically returns several times its fee in identified, capture-adjusted plan savings — on the order of a few percent of total health spend for a median-wage group. We model conservatively and stand behind the capture-adjusted number.

Where the savings come from

Secondary Medicaid
Medicaid / CHIP
Spousal waivers
Marketplace (family)
TRICARE / VA
Medicare coordination

Illustrative mix of where savings come from — relative, not to scale. Actual results depend on wage profile, dependent mix, state, and group size. Self-funded sees savings now; fully insured sees it at renewal. Request a quote for your specific number →

For employers

Real savings, zero lift, and your people come out ahead.

You offer this as a benefit — not a cost-cut. Families genuinely save money and often get more specialized coverage, and you carry less risk on the plan.

Hard-dollar savings. Self-funded plans see avoided claims now; fully insured plans see a better renewal.
No work for HR. We handle screening, outreach, and enrollment end to end.
Compliant by design. Every conversation is voluntary, uncoached, and documented.
Good for employees. Lower out-of-pocket and better-fit coverage — you're the hero, not the penny-pincher.

Differentiate your book. Bring clients a savings lever most brokers can't.
Deepen retention. A documented, renewal-ready savings story makes you stickier at renewal.
Near-zero lift. We run the program; you stay focused on advising.
You stay the trusted advisor. BennieGuide works alongside you — the relationship stays yours.

For broker partners

A value-add your clients will thank you for.

Hand your employer clients a real, defensible saving without adding to your workload — and look great doing it. We do the work; you keep the relationship.

Partner with us →

Pricing

Straightforward, and tailored to your group.

Pricing is tailored to group size, census complexity, and the scope of advocacy services. There are no success fees and no percentage-of-savings — just a simple per-employee rate we'll quote for your group.

Request a quote

A clear, fixed proposal for your specific group — usually within a couple of business days.

Request a quote →

No success fees. No percentage-of-savings. No surprises.
We do the screening, outreach, and enrollment — your team doesn't.
Works for self-funded, level-funded, and fully insured clients.

Get started

Request your savings estimate.

Tell us about the group and we'll turn the illustrative model into your specific number — before you commit to anything.

Ready to send a census? Email it to Proposals@BennieGuide.com and we'll return a specific estimate. We treat all data under HIPAA.