Group Medicare AND RETIREE SERVICES

“Your company's dedicated Medicare resource"

Finally retiree healthcare options at NO COST to your employer or union. Partner with Agona Insurance Services to become your company's dedicated Medicare resource, simplifying the transition from employer-sponsored coverage to individual health plans.

Retirement and legacy benefits can be a tough burden on a company's bottom line. Agona Insurance Services an affiliate of TLC Insurance Group & Wealth, can help ease that burden, potentially moving your company back into the black. From zero-subsidized to fully-subsidized plans, we have options available for all groups of retirees, their spouses, and surviving spouses.

What We Bring to Your Organization…

A woman in a beige blazer giving a presentation to a group of elderly adults in a conference room, with a large window showing a cityscape in the background.

We eliminate the HR and administrative burden of managing Medicare-eligible retirees so your team can focus on what matters most.

  • We provide a free and valuable service to your retirees, their spouses, and surviving spouses — at no cost or obligation to the employer or union.

  • Flexible group plan options available for as little as no cost to the employer or union — from zero-subsidized to fully-subsidized arrangements.

  • Agona Insurance Services handles all Medicare-eligible retiree calls, questions, and services — removing Medicare complexity entirely from your HR team's plate.

  • Retirees are serviced nationally through TLC's Call Center and Concierge Service, with options for 1-on-1 meetings or full phone support.

  • We assist HR with employee retirements and Medicare age-ins, ensuring a seamless transition every time a retiree becomes Medicare-eligible.cription

  • Your company logo is used on all retiree marketing materials upon request — keeping communications consistent with your organization's brand.cription

COverage OPTIONS

A full suite of group coverage options designed to meet your retiree population’s needs, budget, and long-term preferences

A black and gold shield badge with the words "Medicare Supplement" written across it, featuring three gold stars at the top and vertical gold and black stripes at the bottom.

MEDICARE SUPPLEMENT

Covers costs original Medicare doesn't pay — copayments, coinsurance, and deductibles — giving retirees predictable, low out-of-pocket expenses.

Medicare Advantage logo with a shield design, three stars, and a stethoscope at the bottom.

MEDICARE ADVANTAGE

An all-in-one alternative to original Medicare that often includes prescription drug coverage and additional benefits through approved private carriers.

Medicare Part D emblem with a shield, stars, and medication bottles.

MEDICARE PART D

Stand-alone prescription drug coverage that helps retirees manage medication costs and avoid the Part D late enrollment penalty.

A gold and black shield emblem with a tooth in the center, stars above, and the words 'Dental Plans' in bold letters across the shield.

GROUP DENTAL

Supplemental dental coverage to round out your retirees' benefits package and protect their overall health and well being in retirement.

A shield-shaped emblem with a black and gold color scheme, featuring an eye at the bottom and the words "Vision Plans" in bold letters across the top.

GROUP VISION

Supplemental vision coverage for routine eye exams, prescription eye wear, and contact lenses — helping retirees maintain their quality of life and independence.

Common HR Challenges We Addresss

HR representatives face real difficulties when supporting Medicare-eligible employees and retirees. We eliminate every one of them.

Limited Medicare Expertise

HR teams may not have in-depth knowledge of Medicare eligibility, enrollment periods, and plan options. We become your organization's dedicated Medicare expert.

Complex Rules & Regulations

Staying current with Medicare's evolving rules is a full-time job. We monitor changes and ensure your retirees always receive accurate, up-to-date guidance.

Coordination with Other Benefits

Understanding how Medicare coordinates with existing health coverage is critical. We manage this for every retiree to avoid gaps and lifetime penalties.

Communication Challenges

Medicare information is complex. We communicate clearly with retirees so they understand their options and make confident, informed decisions.

Limited HR Resources

HR departments are stretched thin. We take Medicare support entirely off your team's plate, saving time, reducing stress, and improving retiree satisfaction.

Legal Compliance

Medicare compliance errors can result in penalties and legal issues. We ensure every retiree transition meets all applicable laws and Medicare regulations.

A man and a woman are sitting at a table, smiling and talking. The man is wearing a beige cap, a denim shirt, and a white T-shirt, holding a mug in front of him. The woman is in a black blazer, sitting in front of a laptop, with a clipboard and pen. They are in an office setting with large windows and a bookshelf in the background.

HOW IT WORKS

1

Free Employer Consultation

We review your current retiree benefits, headcount, and goals to identify the best group Medicare approach.

2

Plan Design & Proposal

We present employer-sponsored plan options tailored to your budget and retiree population — from no cost to fully subsidized.

3

Retiree Education Meetings

Group or individual sessions on-site, virtual, or by phone — walking retirees through their options clearly and without pressure.

4

Enrollment & Ongoing Support

Agona Insurance and the TLC team handle enrollment, answer ongoing questions, and provide concierge support to retirees and their spouses.

No Cost. No Obligation. No Reason to Wait.

There are no fees for our services & no obligation to your organization. Let us show you how Group Medicare can relieve your HR team and benefit your retirees.