Hylant

HR professionals aren’t expected to be Medicare experts — but understanding the basics can help employees make more informed retirement decisions. Here’s a simple breakdown HR teams can share during pre-retirement conversations: Original Medicare (Parts A & B) Accepted nationwide by providers who accept Medicare No network restrictions Flexibility when traveling ✗ No built-in annual out-of-pocket maximum for medical costs Medicare Advantage (Part C) Often includes dental, vision, hearing, and prescription coverage Includes annual out-of-pocket maximums for covered services May offer lower upfront premiums ✗ Typically uses provider networks and regional coverage rules The “best” option depends on each employee’s: Healthcare needs Prescription usage Budget Travel habits Local provider access Another area HR teams should help employees understand: Medicare Part D prescription coverage. Many retirees are surprised by how drug costs work under Part D plans. Key concepts employees should know before enrollment: Deductible phase Initial coverage phase Coverage gap (“donut hole”) Catastrophic coverage phase The good news: Recent Medicare changes created a new annual cap on out-of-pocket prescription drug costs, helping make expenses more predictable for retirees. But choosing the wrong Part D plan can still lead to: Higher medication costs Pharmacy restrictions Formulary surprises Increased annual spending Benefits education remains one of the most valuable ways HR can support employees approaching retirement. Disclaimer: This post is for general educational purposes only and should not be considered legal, tax, or Medicare plan advice. Medicare plan options, costs, provider networks, and drug formularies vary by individual and location. Employees should consult a licensed Medicare professional before making enrollment decisions. #Medicare #MedicareAdvantage #OriginalMedicare #MedicarePartD #HR #BenefitsEducation #RetirementPlanning #HealthcareCosts #EmployeeBenefits #PreRetirement #Hylant

Hi All! We have an exciting opportunity within my team here at Hylant. Our Commercial Claims team is growing, and we're looking for experienced professionals who enjoy helping clients navigate commercial claims. Specifically, we are looking to bring onboard a new Claims Advocate who will be responsible for supporting clients and service teams located in our Ohio offices. The position is fully remote with minimal travel requirements. Join a team that values collaboration, integrity, and client success. We’d love to hear from you! Nick Fratalonie ; Yvette Alvarez, SHRM-SCP, CEBS ; Terri Mohler, SHRM-CP 👉 Apply today: https://lnkd.in/gN5UZ_77

Your employee retires at 67. Do they know their Medicare clock has already started? One of the most overlooked HR compliance and benefits education issues involves Medicare Special Enrollment Periods (SEPs). When employees lose active employer coverage after age 65: They generally have an 8-month Special Enrollment Period to enroll in Medicare Part B They typically have only 2 months to enroll in Medicare Part D prescription coverage or a Medicare Advantage plan with drug coverage Here’s the critical detail many employees misunderstand: COBRA is NOT considered active employer coverage for Medicare enrollment purposes. That means employees who delay Medicare enrollment while on COBRA may face: • Lifetime late enrollment penalties • Coverage gaps • Delayed access to care HR and benefits teams play a key role in helping employees navigate this transition before retirement or separation occurs. Clear communication today can prevent costly mistakes tomorrow. Disclaimer: This content is for educational purposes only and is not intended as legal, tax, Medicare, or employee benefits advice. Medicare enrollment rules and timelines may vary based on individual circumstances. Employees should consult the Social Security Administration, Medicare, or a licensed benefits professional regarding their specific situation. #MedicareEducation #HR #EmployeeBenefits #RetirementPlanning #COBRA #SpecialEnrollment #Medicare #BenefitsAdministration #Hylant

Working on several environmental insurance matters for clients today, so timely that Hylant released this blog post recently.

See you in Philly. Space is limited. RSVP to the email below. saracoleman@s7risk.com #RISKWORLD #HYLANT

There are a ton of great service providers, but I also see a bunch that miss the mark. If you're on an M&A deal and your overarching thought isn't "how do I make my client successful, the way they've defined success", you're doing it wrong. Everything else is noise. None of it matters if the client doesn't get to the finish line they drew. The mechanics of our job is complicated, but the holistic idea is simple. Help them close. Help them win; on their terms, not yours. Then have them want to call you on the next one. I love what Walt Disney said, "Do what you do so well that they will want to see it again and bring their friends." #Hylant #PrivateEquity #IndependentSponsor #Insurance

Hylant Global Captive Solutions is proud to sponsor and share expertise at the upcoming Captive Review 2026 USA Conference. Please look for team members and we are excited to schedule a meeting during the conference! #hylant #globalcaptivesolutions #consulting #riskmanagement #captivereviewconference

Over the last half decade, lower middle market deals have gotten significantly more competitive. And while price might get you to the final round, structure is often what closes the deal. RWI allows buyers to eliminate or significantly reduce escrow, which means sellers walk away cleaner and faster without the buyer giving up any downside protection. For a founder who's spent 20 years building a business, the difference between a clean exit and 18 months of escrow anxiety is not a small thing. The buyer who understands that and structures accordingly has a real edge over equally-priced competition. #RWI #Hylant #PrivateEquity #IndependentSponsor