Medicare T65 Education for Employers | Medicare Shield Program
NPN 21133205 · Carrier-Neutral · Georgia · Independent
(470) 470-8709 · [email protected]
For Owners, CEOs & Founders

Your most experienced employees are losing work hours to Medicare confusion — and your HR team is absorbing it.

A 45-minute, compliance-aware T65 session that takes the Part B questions off HR's plate, lets your senior employees retire with confidence, and keeps you out of MSP/ADEA territory. Complimentary. Zoom or in-person across Georgia.

Book a Free 15-Min Discovery Call See How It Works
45 minutes
$0 to the employer
MSP & ADEA-aware
One vendor, one session

The math we usually walk into

Illustrative · placeholder data
7.2hrs
HR time per T65 employee, per year Phone calls, forms, follow-ups, "what does this letter mean?"
10%/yr
Lifetime Part B penalty for late enrollment Permanent. No make-good. Falls on the employee — and the conversation falls on you.
$0
Cost to the employer for the session Educational only. Carrier-neutral. No commitment.
Where the Cost Hides

Three line items that don't show up on a P&L — until they do.

You'll never see "T65 confusion" on a budget. It shows up as HR overhead, distracted senior staff, and unforced retention risk. The session is built to address all three in one sitting.

7+hrs / employee

HR time, quietly absorbed.

The same Part B / Part D / IRMAA questions get asked every quarter. None of them are HR's job — but they all land there. A single session resolves the bulk of it up front.

Where it lives · HR overhead
~$5K/ T65 hire

Replacement cost when they leave early.

Senior employees retire 6–18 months ahead of plan because Medicare felt confusing and the group plan felt risky. A clear briefing keeps the timing honest.

Where it lives · Retention risk
∞no penalty cap

MSP exposure with no ceiling.

Civil penalties for Medicare Secondary Payer violations have no statutory cap. The session is structured so nothing said on premises could be construed as steering.

Where it lives · Compliance risk
How It Works

Three steps. None of them on your calendar after step one.

1Discovery

15 minutes with you.

A short call to understand your headcount, your group plan, and what's actually been landing on HR. You see the agenda before anyone else does.

~ 15 min · Zoom
2Session

45 minutes with your team.

General Medicare education. No carriers, no plans, no enrollment forms. Q&A is for the room, not the individual. HR receives the deck and notes for their file.

~ 45 min · Zoom or on-site
3Off-Premises

Employees who want more, schedule directly.

Anything plan-specific happens off company premises, on the employee's time, by their own choice. The employer is fully removed from the individual conversation.

Optional · Employee-initiated
"
The goal isn't that your employees pick Plan A or Plan B. The goal is that they walk into 65 informed, retire on the timeline they planned, and your HR team gets their week back.
Victor Napier · Medicare Shield Program
Victor Napier — independent Medicare broker, Georgia
About Victor

Former Pharmacy operator. Former officer. Medicare beneficiary himself.

Most Medicare agents come from insurance. Victor came from running two independent pharmacies in Georgia and from the U.S. military. He's also on Medicare himself. That stack matters more than it might sound.

  • Two-pharmacy ownerDrug coverage, formulary changes, COB at the dispensing counter.
  • Former U.S. military officerBriefings start and end on time. Notes get distributed after.
  • A Medicare beneficiarySame Part B paperwork, same enrollment window. Talks from inside.
  • Carrier-neutralAppointed with multiple carriers. No incentive to push one plan.
CMS-Licensed · NPN 21133205
Compliance, briefly.

Designed so your counsel doesn't have to audit it.

The session is informational. No plan names, no carrier logos, no enrollment forms on company property. Individual conversations happen off-premises, on the employee's own time, by their own choice. A full disclaimer is in the footer.

MSP-aware format ADEA-aware invitation Education only on-site Individual conversations off-premises Carrier-neutral CMS marketing rules Written agenda & deck shared with HR
15 minutes, one call

Get HR's Medicare hours back.

A short discovery call to see if there's a fit. If not, we close the file and you keep your inbox. If there is, you'll have a date and an agenda within the week.

  • 15-minute discovery call
  • Agenda delivered to HR before the session
  • Complimentary — no carrier obligation
  • Cancel anytime, even after we're booked

Book a discovery call

We reply within one business day. Victor handles every inquiry personally.

By submitting you agree we may contact you about the session. We never share employer information with carriers.

Medicare Shield Program Victor Napier · NPN 21133205

Independent, licensed Medicare insurance broker serving employers across Georgia. Carrier-neutral. Pharmacy and military background. Group educational sessions for employees approaching age 65.

Direct
Service area
State of Georgia · Statewide via Zoom

Victor Napier is an independent, licensed Medicare insurance broker in the state of Georgia. This page is intended for HR professionals and employers only and does not constitute a solicitation of Medicare beneficiaries. The educational session described herein is informational in nature and does not involve plan-specific recommendations during the group setting. Individual Medicare plan discussions are conducted separately and in accordance with CMS marketing guidelines. Not affiliated with Medicare, CMS, or any government agency.

© Medicare Shield Program. All rights reserved.